Your core essentials like aircon, kitchen, wardrobe, white goods is like 30k minimum already. This is needed whether you are rumahwip or 1k psf. If you want a bit better quality or with some design then it’s north of 50k already. I suppose some people can really cheap out and use shopee kitchen racks etc but to me it’s not functional.

Hence partially furnished like kitchen and aircon is very helpful.

20k can cover all if you do the sourcing and ID yourself. Even better if you know how to install the lights and fans.

Basic kitchen: 5k
Aircond: 4k for 3 ac
Grille: 2k for front and yard
Lights and Fans: 1.5k
Blinds and Curtains: 500
Heater: 500 for 2

With 6k left you really have to be careful with the loose furnitures. Cheaper one you need to get from Shopee/Lazada, and you can also aim for second hand items in Facebook Marketplace.

bite the bullet & do it once & for all