The coulda/woulda/shoulda is don't buy everything up front. Just buy the basics to get by. The house is a life time commitment even if you stay up to five years in your first place. Buy as you go and try to pinch pennies as often as possible. It will never be perfect so take your time nothing is worse than over spending on things you can wait on. Nothing is an emergency unless it interferes with cleanliness of the household, Ie. The water heater is broken. Fix most things yourself to not only save money but to make you feel better.
