And now and then you may want to meet clients who are in from out of town – a lot of these places can rent you a meeting room by the hour too.
There are places that offer such space for free. They're called 'pubs'. 😀
I hear what yer saying, LLBT, and I'd love to be able to afford a proper studio and everything. Direct human contact with others would be ok too. Sometimes…
Art studios that I've seen tend to be in tatty old warehouses, with limited facilities. Chances are you'd have some nutter who likes to make sculptures out of metal using an angle grinder all the time, or something equally noisy.
The cheapest office spaces tend to be in slightly run-down areas, above shops and that. I imagine you're dreaming of some lovely airy waterfront type space, with a great little Italian cafe next door. Mmm.
if I were you I'd use yer money to promote yourself more, on equipment etc. Stuff which will have a direct benefit. You'll be using a laptop for design work? Maybe get a decent larger screen you can plug it into.
Good luck anyway; it's very very difficult out there atm. No-one wants to pay for owt, as they've got a 'nephew with a copy of Paint' who can do all their graphic design work. Sniff.