Would you get a small loan for some re-plastering?

[3chunks]

We moved into our first home earlier this year. The walls definitely need some painting/wallpaper but we feel we shouldn’t do this until we replaster the ceilings.

There are cracks all over the place, you can see the lathe in some small areas. Clearly people before us have tried again and again to fill the cracks but the ceilings are shocking.

The thing is we are skint! So in a catch 22. Would you get a small loan (say £1k) to replaster the ceilings?

I possibly would, yes. The repayments could be low-ish.

I'd be working extra shifts in my second job tho. When I did up my last place, I worked, got paid, saved up and then did the jobs one by one. That's what I recommend. Live with it for now, then do jobs one by one when you have the money.

How long would it take you to save a grand?
And are you sure that's all the plastering would cost? That's under a days labour round here, and we are in a cheep area.

I'd try and save it. But that's how I've always worked things.

No, I wouldn't personally. I'm too near to retirement and worry about what interest rates are doing. I save up as I go and do one room at a time when I have saved the money. Let's face it we don't have to have everything we want right now.
I remember On Black Monday in 1987 I'd just taken out a loan to do house repairs and the bank decided, due to the financial crisis, to whip half of that back out of my bank account leaving me with 3k to find that they were now not loaning me. It was a disaster, the builder took me to court and I had to pay it in installments. I was totally skint for a year until it was paid off.
We are officially in recession - I wouldn't advise borrowing any money right now.