Home improvements - savings or loan

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We’re about to embark on some much needed home improvements. Expecting it to cost around £35k.

DH has been given some shares via work and we also have a savings plan which is about to mature. We could just about cover the cost between the two but this would leave us with no savings whatsoever. We put a bit away each month but this generally goes in a pot for things like birthdays, holidays, car repair bills etc.
I like to have a bit of a buffer ‘just in case’

I’m thinking we should cover it mainly with savings but take out a small loan £5k maybe? To leave us with some savings.
DH is really against taking out a loan or adding to the mortgage though.

just wondered how others generally finance home improvements?

I wouldn't leave yourself with nothing, things can go wrong with renovations. You could take a small loan 10k or so there are some decent rates about, or if you've good credit pay for materials etc on an interest free credit card and pay off during the interest free period, I know someone who did this with a kitchen, paid for the builder with cash but the actual kitchen units etc on a 0% credit card , you've got to be good with money to do that though and make sure you pay it off

The 0% credit card is a great idea and could be a good compromise - thanks!