Congrats on deciding to have a home darkroom!! It's so great to be able to develop your film and make your own prints.
If you're only going to develop film for the time being, you don't need a complete darkroom for that, so you should be able to take your time in setting it up for later, when you do want to purchase the enlarger. All you need for the film developing is a tank, film reels, thermometer, and appropriate film developing chemicals with graduates to measure them in. You can load your film from the camera onto the reels sitting on your living room couch if you want to, using a changing bag. The rest of the developing can be done at the kitchen sink.
Meanwhile, study
lots of darkroom plans. Figure out where you'd put everything and how you'll move about in your room. Make sure there are outlets where you'll hang your safelights, for instance.

Sounds like you've given yourself a lot of time to figure it out, and that's terrific since as Hertz pointed out, you want to do it the right way. I use black plastic trash bags taped over my windows in an upstairs bedroom, and it works just fine. I've not heard of needing black around the enlarger, but if you follow that advice, no reason to paint a wall black when you could hang a black dropcloth behind it. There are lots of ways to do things that aren't too labor-intensive and still save some money! Look at everything and figure out what suits you best.
You ought to have a blast, it's fun to plan it out and watch it come together! You'll probably get lots more advice on this as you go, too. Good luck!
