You can negotiate the price of flooring at most places that sell it. Appliances can be purchased low cost via craigslist in the moving section. The furnace was probably an unavoidable cost, and I am willing to bet that it is the majority of your cost.
I agree with everything Glenn said, and I would also replace the sink. There are a couple of places here in Columbus that sell discounted countertops/windows/etc., look into them. Good luck, you're doing well so far.