No offense but the what the hell is with westerners' obsession with having elevated beds? This isn't the Middle Ages people, we don't need elevated beds to keep up from the hay and mud floor of our hut. Is it seriously too much of a hassle to to stand up from the floor rather than a normal bed? This is the perfect example of western pig-headed thriftlessness, and one of the reasons everything's so damn expensive in our countries- everybody thinks they can live on their own and anything less than middle-class poshness is 'poverty,' and they demand huge salaries for even the most hapless tasks. If society was thriftier, I'm sure someone on the OP's budget would be more comfortable (e.g. there's be more decent low-rent apartments, cheaper foods, better public transport, etc).
I put stuff under my bed, it saves floor space.
I'm shit poor, but dependent, so I get to see how shit poor I'll really be after I graduate. Getting insane bills month after month makes you really value turning off lights, leaky faucets, just little common sense things that annoyed you as a child.