<prompt> Human: Hi Personal Finance, Longtime lurker, first time caller,I just started my first job post college and last week moved into my first apartment that is my own. And I am wondering what the best way to furnish it is to a point where I am happy with it. Particularly how stupid would it be to take out a loan for around 3,000-5,000 to get it furnished in the next month rather then over the course of a year.The apartment is a three bedroom that I am getting for 600month It is usually 850 but they were willing to go lower since it is only me in it and utilities and internet are another 100. Im making roughly 2,400 a month after taxes in a pretty low cost of living area if you couldnt already tell with what my rent is. I dont have any savings to speak of and will start making payments on my student loans in November. But I have high job security for the next 2 years at least more if I choose and am planning on being in this apartment for all of them. I recognize that it would probably be wiser to take it slow with furnishing it, but having my apartment be a place where I can host other people in and that is comfortable for me to come home to is something I value pretty highly. Either way though I am new to all of this so I was wondering what your thoughts were on if that would be a reasonable course of action?Thank you!Edit: Hello Everyone thank you for the replies!! I think I will take it slow, thank you for reminding me of the benefits of that!  <response>: Conservatively you can put 1,000 a month away based on your bills and income. You could furnish that apartment completely in a few months. Do that. 