Firstly i want to say great work on the saving!! I had to get a loan for when me and Dp moved into our place, only because it was a last minute decision to move out on our own, we were living in a group house and we got sick of them so decided it was that or continue living with selfish slobs.

I'm not sure how expensive it is where you live but i took out a 10 grand loan and it wasnt enough, after paying for the bond, buying the white goods (fridge, washer & dryer), kitchen goods and an entertainment unit, oh also paid for a months shopping.

Thankfully getting your gas & electricity connected the payment is added onto your first bill, same with the line fee, though my house is a brand new house we had to pay $300 where as in a house with a phone line already installed its only about $30 (dont quote me on that).

Salvos are really good at getting sheets and kitchen goods though i just went to kmart and grabbed everything we needed for under $100 yes some of the items are cheap and some have broken its a start. And being a young mum salvos will be really helpful they helped my mum out heaps when she left my step dad they got her a cheap lounge, dining table even decked out her whole kitchen so talking to them wouldnt hurt.

I wish you all the luck in moving out!! its a big step and its soo scary!! BIG