יש לנו תקציב קטן לדירה החדשה, ולכן אנחנו קונים רק מה שחשוב עכשיו.

יש לנו literally means there is to us or there exists for us, but in natural English it means we have.

Hebrew often expresses possession this way:

• יש לי = I have
• יש לך = you have
• יש לנו = we have

So:

• יש לנו תקציב קטן = We have a small budget

This is one of the most common Hebrew patterns, and it does not use a verb meaning to have in the present tense.

Because תקציב is a masculine singular noun, so the adjective must match it.

Hebrew adjectives agree with the noun in:

• gender
• number
• sometimes definiteness

So:

• תקציב קטן = a small budget
• דירה חדשה = a new apartment

Here:

• תקציב is masculine singular → קטן
• דירה is feminine singular → חדשה

Not necessarily. In this sentence, תקציב קטן means a small budget, not the small budget.

Hebrew marks definiteness with ה־:

• תקציב קטן = a small budget
• התקציב הקטן = the small budget

Since the speaker is introducing the idea of having a small budget, the indefinite form is natural here.

לדירה החדשה means for the new apartment.

It is made of:

• ל־ = to / for
• דירה = apartment
• החדשה = the new

So:

• לדירה החדשה = for the new apartment

The ל־ is attached directly to the noun. Because דירה is definite here (the new apartment), the ל־ combines with ה־:

• ל + הדירה → לדירה

This is very common in Hebrew:

• לבית = to the house / for the house
• לילד = to the boy
• לדירה החדשה = for the new apartment

Because דירה החדשה is definite (the new apartment), but תקציב קטן is indefinite (a small budget).

In Hebrew, if a noun is definite, the adjective usually becomes definite too:

• דירה חדשה = a new apartment
• הדירה החדשה = the new apartment

In the sentence:

• תקציב קטן = a small budget
• הדירה החדשה is built into לדירה החדשה = for the new apartment

So the adjective חדשה gets ה־ because it describes a definite noun.

ולכן means and therefore, so, or therefore.

It is made of:

• ו־ = and
• לכן = therefore

So:

• ולכן אנחנו קונים... = and therefore we are buying... / so we buy...

It connects the first idea to the result:

• We have a small budget for the new apartment,
• therefore we are only buying what is important now.

It is a slightly more formal or written-sounding connector than plain אז in some contexts.

Yes, קונים alone can often be enough, because Hebrew verb forms usually show the person and number.

• קונים = we buy / we are buying or sometimes they buy, depending on context
• אנחנו קונים makes it clearly we are buying

Adding אנחנו gives:

1. clarity
2. a slightly more explicit or natural rhythm
3. contrast or emphasis if needed

So both can work, but אנחנו קונים is very normal.

It can mean either, depending on context.

Hebrew present tense often covers both:

• we buy
• we are buying

So:

• אנחנו קונים רק מה שחשוב עכשיו can mean
  we only buy what is important now
  or
  we are only buying what is important now

The broader sentence makes it sound like a present situation or current policy, so English could translate it either way.

מה שחשוב literally means that which is important or what is important.

This is a very common Hebrew pattern:

• מה ש... = what / that which ...

Examples:

• מה שאני רוצה = what I want
• מה שהוא אמר = what he said
• מה שחשוב = what is important

So:

• רק מה שחשוב עכשיו = only what is important now

For English speakers, it helps to think of ש־ here as introducing a clause:

• what + is important

Because Hebrew does not need one there.

English often says:

• what is important or
• the things that are important

Hebrew simply uses:

• מה שחשוב

The adjective חשוב means important, and the whole phrase functions like what is important. There is no separate it required.

רק means only, and it usually comes right before the part it limits.

Here:

• אנחנו קונים רק מה שחשוב עכשיו means
• we buy only what is important now

So רק is limiting what we buy.

Compare:

• רק אנחנו קונים... = only we buy...
• אנחנו רק קונים... = we only buy... / we’re just buying...
• אנחנו קונים רק מה שחשוב עכשיו = we buy only what is important now

Word placement affects emphasis.

In this sentence, עכשיו most naturally goes with מה שחשוב:

• רק מה שחשוב עכשיו = only what is important now

That means they are buying only the things that are important at this moment, not necessarily everything they will eventually need.

Because of context, English speakers may also feel a general connection to the whole action (right now we’re only buying...), and that overlap is normal. But grammatically, it is attached most directly to what is important.

Yes, this word order is completely natural.

The sentence is structured like this:

• יש לנו תקציב קטן = we have a small budget
• לדירה החדשה = for the new apartment
• ולכן = therefore
• אנחנו קונים = we are buying
• רק מה שחשוב עכשיו = only what is important now

A Hebrew speaker could rephrase it in other ways, for example by moving some elements for emphasis, but the original sentence is smooth and standard.

A very helpful way to read it is:

• יש לנו תקציב קטן
• לדירה החדשה,
• ולכן
• אנחנו קונים
• רק מה שחשוב עכשיו.

That helps you see the logic:

1. We have a small budget
2. for the new apartment
3. therefore
4. we are buying
5. only what is important now

This chunking is often useful when Hebrew sentences feel dense at first.