Woman sitting on couch at home using tablet

I lived in a one-bedroom apartment in New York last year. I had never been living alone before. I had no furniture, but it was exciting. I used to sleep on an air mattress that was mostly deflated when I woke up.

When I lived with roommates, I wanted the new space to feel like my own. I wanted my items to say something about me.

I was intimidated by the high cost of furniture and contemplated going into debt. I spent a lot of time scrolling through things I couldn't afford.

Personal finance says that inflation forces older Americans to make tough financial choices.

Many people are finding it hard to decorate at a reasonable cost because of inflation. The consumer price index shows that household furnishings and supplies were up over the summer.

The author of the design book " Live Beautiful" said there are ways to use your budget.

It can be hard to decorate on a small budget, but the good news is that there's more to it than meets the eye. They're the source of true creativity.

There are some tips for saving money.

The designer at Decorist told people to tune out the trend cycles and follow their hearts while buying furniture.

They won't want to redecorate every few years.

She said that it was fine to buy lower-cost, trendy accessories to refresh your space, but keep the larger pieces classics.

Experts say it's easier to tell when core items, like your couch and dining room table, were cheap.

Robot furniture transforms small spaces into five-room apartment

The furniture you want to keep is here.

Becki Owens told them to think long-term. You will have items that you can build on if you invest in quality pieces when you can.

There are pieces in my house that are 20 years old.

Owens says to buy your core furniture pieces in neutral colors and durable materials if you want to last a long time.

As the trends change, you can change the decorative layers.

The best way to find bargains on these sites is to use the right words. She recently wrote an article on the phrases to plug in when looking for vintage vases online.

She said to play around and have fun.

She said to be willing to negotiate on price. It's a good idea to submit lower offers on auction sites.

I have been known to offer as much as 50% less on items.

The handmade nature of artwork makes it more expensive.

She says she finds amazing art from emerging artists on social media. Art by Lana and Aliyah Sadaf are two of her favorite works. Some works by newer artists, who tend to charge less because they are just starting out, are available at websites.

On websites such as Art Finder, you can find original art in your price range.

Art in Res was founded by John Sillings, a former equity researcher, after realizing how much people struggled to make a big one-time purchase on artwork.

Over time, the company can pay off the art on the website. A 6-month payment plan will allow you to pay $150 a month for a painting on the website.

The mission is to make art more accessible.

Since I have been in the apartment for more than a year, it is filled with furniture and I can't remember the last time it was empty. I am already running out of space.

When I first moved in, my mother gave me some advice. She said that it was a good thing that it would take me a while to decorate the place.

She said she would like to do it again when it was done. I have a little more room to spare.