easy
every time first time to make/do something is nervous
just treat the month instalment as rent
(and half of it is capital saved )
after a few years, it doesn;t matter u whenever it up/drop a lot
save the money for decoration
(just paint yourself is ok, or employ some freelance to do, just $1000)
and buy some new but cheap furniture from direct, pricerXXX
and let your GF choose