I absolutely love the summer beach look. Yes I am on the water however the soothing feel of the room will be a sanctuary of peace and happiness all year no matter where you live. I did Nantucket blues and sandy earth tones. Works for me.
I really like farmhouse style right now with bright and airy neutrals. You can find some inexpensive but decent bedding at Target, I just got a white tufted comforter. You can look on Pinterest and find a lot of farmhouse ideas.
What is your preferred style? I like to look around and find inspiration and go from there. Macy's has fantastic buys on comforters and they do store pick up free, shipping is inexpensive.
Here are some bedroom ideas. I painted my furniture https://www.homeroad.net/2015/08/master-bedroom-painted-furniture-reveal.html
My bedroom needed some updating and I added a headboard and some sconces using shutters. I still love it. Just an idea! https://michellejdesigns.com/diy-shutter-headboard/