Mate, I first got married at a young age. I worked out my budget and realised that expenditure exceeded income. I went to the boss and asked for a raise. Didn't get it Instead my shifts were changed so that I worked six days, Saturdays and Sundays with afternoon shifts for the penalty rates. Problem solved but no more Saturday sport
First house was an unfurnished dump that I fixed up in the day time before going to work. Bean bags for seats and mattresses on the floor. Worked my way up from there.