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Saved us 3 grand on our kitchen doing it that way (providing materials - they just provided some of the labour). Which after about 2 months is now sort of finished.
From this:
It wasn't that clean when we exchanged in I can assure you - they left a load of tat everywhere:
Including this impracticably small but annoyingly intrusive pantry:
To this:
(white grout in the end not grey, as that was all he had with him and I didn't want to see him again after he'd delayed us by 3 weeks).
Today:
It needs a few final bits of filling/decorating etc. I'm also going to put up wooden shelves and a pot rack/hanger on the far end above the toasted/kettle. Possibly a small metal shelf/something to the left of the extractor for books etc.
It's not without it's problems but it's a fuck-sight better than it was when we moved in.
Not sure if this has been covered but next builder you get in, offer to provide the materials and they just provide the labour.
That way you can have a full itemised account of all the spending.
It's hard to say whether or not it would save you money though...