Fiancé & I splitting reno costs 50:50. I can pay my 50 while he can’t.

Fast way - Focus on the investments and use the revenue / margin generated for the Renovation costs. Try to take a "family loan" from parents if can, so that you can save on the interest accural with a "Renovation loan" from financial institutions (ie. banks), which can go up to avg 5% for the loan duration.

Possible To get a repayment plan for the balance 50%?

If can delay Reno will be better. Save up first then Reno according to what u both can afford. And most importantly, keep within the budget. Remember still need to factor in the purchase of some essential furniture and appliances. If cannot wait then do the essentials first.

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Some ways to reduce Reno cost:

• Prioritise essentials first eg. Window grills esp if u plan to have kids soon. Cooking stove, your flooring if the flat doesn't comes with it, main lightings etc.
• Reduce or avoid built in and hackings. Carpentry and hacking are usually the most expensive.
• Related to the above is to use those loose furniture which u can change in future according to family needs and finance. I built in a big wardrobe and regretted cause I started to strive towards a minimalist lifestyle now.
• Plan in advance and aim for sales. Esp 11-11 sales to buy things like lights, appliances
• Avoid having too many lightings eg. Those mood lighting or cave lights? All those bulbs cost money. After having kids also no energy for any mood lighting.
• Furniture if u don't mind 2nd hand like tables, TV console, try carousell or look out for those that people bless online. Just don't take 2nd hand bed and mattress incase of bed bugs.

Just some suggestions 😊

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If u cannot manage how much to loan, do you have confidence in managing the investment that you intend to do?