To spend all of our savings on refurbishing both bathrooms

[Loosemoosegoose]

We have two bathrooms that are both in absolutely appalling condition. The ensuite is actually not usable as the toilet leaks and the shower drain is misaligned so can't actually drain so we've just closed that door and ignored it completely since we moved in. The main bathroom is just old and horrible but functional.
We bought everything we needed so DH could remodel the ensuite himself however, he's just got a new job which will involve more hours and we have a toddler and we just both feel taking on this massive project would be taking too much time away from us as a family as he's not a professional and would have to work very slowly to be sure he got it right. He can do it, but just not quickly.
DH thinks it would be better to continue ignoring the ensuite and be able to better enjoy the main bathroom even though we already have everything we need for the ensuite, it just needs fitting where the main bathroom needs supplying too. I disagree and think we should get the ensuite working because then we would have two bathrooms that are at least functional even if we still hate main bathroom. DD has baths, not showers so wouldn't benefit from us having the ensuite done really but also, she doesn't give a damn about the aesthetics of the main bathroom either.
So we got quotes for both bathrooms to be done and they've all come back about the same price and we can actually afford to do both one after the other but it would use all of our savings. We don't have any debt other than mortgage and we wouldn't need to take any on for this as the saving would cover it but would essentially take us back down to nothing (we have allowed for £1000 in case the quote is off slightly with unexpected costs)

WWBU to just say sod it and get both done? DH has had a small pay rise with his new job and we do save a little each month between us anyway so we could just focus really hard on getting our savings back up after again though obviously it would take a while. It would make such a difference to our enjoyment of this house to have two nice (not in anyway fancy) and functional bathrooms. But is it foolish to have no savings just in case.

Can you get a 0% purchase credit card that lasts a year.

If you can, I would do both bathrooms. Pay one up front (£4.5k) and put the other on the 0% card (£4.5k). (Leaving you with £4.5k savings in bank).

Set up a direct debit from savings account to credit card so you are making the minimum payments and have no chance of losing the deal.

You say you save £500 a month, keep doing that. By the end of the year, when the deal ends you should have approx £10.5k saved (the 4.5k in there + 12x£500 a month).

(Figure will technically be slightly lower as it is less minimum credit card payments, but that anomaly disappears in the next bit of maths.)

Pay off the £4.5k on the credit card (actually slightly less as you've made some min payments). No interest needed as 0% card.

That leaves you with £6k (the £4.5k that was there, plus what's left of the £6k new savings after paying off the CC debt) saved at the end of it all.

That's a decent buffer, and makes it much easier to make up the savings shortfall. It also means you can get both bathrooms done now, but you'll still have a savings buffer throughout.

As long as you 1) get a 0% card that lasts the year, 2) set up a DD for min payments so you can't accidentally miss one 3) don't use the card for anything else and 4) pay the balance at the end - it'll leave you much better off over all.