I thought my own home dreams would crumble after I lost my job

WHEN Tasmin Blaney was made redundant while applying for a mortgage, she feared her dream of buying her first home would crumble.

But the fashion designer-turned-maths teacher is now the proud owner of a three-bed semi-detached home, which she bought with boyfriend Phil Bolger in September 2020.

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Tasmin Blaney and Phil Bolger have added £67,000 to their home’s value

The couple, from Salford, Manchester, added a huge £67,000 to their home’s value in just a year – after teaching themselves DIY on YouTube.

Tasmin, 29, and Phil, 30, bought the doer-upper in Warrington for £173,000 and it is now worth £240,000 — with this expected to rise to a quarter of a million when everything is complete.

The couple, who had no prior DIY experience, taught themselves jobs like tiling and sanding the floorboards.

They spent £19,000 on updates and Tasmin reckons they have saved £9,000 by doing much of the work themselves, as well as scouring Facebook Marketplace, Gumtree and eBay for bargains.

But the pair, who met at school and have been together for nearly eight years, almost lost out on bagging their dream home.

Tasmin says: “Because of Covid, I was made redundant while we were in the middle of buying, which was so stressful.

“We’d planned to buy by September 2020, because the contract was ending on our rental, which was a two-bed social housing flat in Salford costing £600-a-month.

“I found the house just before we went into lockdown in March, but within days I was furloughed from my job at fashion supplier Visage.

“Eventually, I was made redundant in July 2020. I was devastated but that very night, we were told we’d been accepted for the mortgage, so thankfully it was all fine. It was just luck it went through.”

Covid threatened their plans again when Tasmin and Phil, a pallet repairer, were told they needed to stump up a 15 per cent deposit, coming to just under £26,000.

The pair had scrimped to save ten per cent, which would have been enough before the pandemic, but luckily a family friend came to the rescue, lending them the final £9,000.

Tasmin says: “We put a little bit aside every month, by just being really strict with our spending. We haven’t been on holiday since going to Seville in July 2019.”

SCANDINAVIAN-INSPIRED

Realising early on they couldn’t afford to buy in Salford, the pair widened their search to Warrington.

They bought a Thirties house which hadn’t been done up for around five years, transforming it into a Scandinavian-inspired home, “with a modern twist”.

Tasmin says: “The same houses, new, cost between £200,000 and £250,000.

“I’d always wanted a project house, I have a design background and am very particular about what I want.

“I didn’t want to pay for a house that wasn’t to my taste and have to do it up again, it seemed like a waste of money.

“Everything we’re doing is adding value, so to me it’s a no-brainer.”

Being on a budget means that Tasmin and Phil needed to get creative if they wanted to add value to their new home. Tasmin says: “I didn’t have much DIY experience but I didn’t realise how little I knew until we got going.

“I’d always wanted to try tiling. I watched Phil’s dad and YouTube and thought, ‘I’ll give it a go’, saving us £300 on labour costs.

“Before Christmas, we were constantly working on the house — every weekend and after work.

“We’d get up at 8am on the weekend and work until at least 6pm, then we would normally ask mine or Phil’s mum to make us tea, as we were so knackered.”

To transform their home, the pair knocked down a wall to create an open-plan kitchen diner, paying a builder family friend who gave them a £1,000 discount.

They installed a new kitchen and quartz worktops, which they got through another acquaintance to save £3,000, and fitted the wood parquet floor themselves, saving £400.

The pair sourced their bathroom shower, toilet and sink from eBay and bought an ex-display bath, reduced from £600 to £180 as it “had a tiny scratch on one side”, which is hidden by a wall.

They paid professionals to do the plumbing, plastering, gas and electrical work, as the house needed a new boiler and rewire at £3,000 a pop, but did the painting and other jobs themselves.

‘IT WAS TOUGH’

Tasmin sourced bargains like £5 bedside tables from Gumtree and used her design skills to make much of their furniture herself.

She built their dining-room table for £90 by buying the wood, legs and varnish individually, saving around £200, as well as their dining bench with storage for £60, saving £300.

She also fashioned their curtains for £16, saving £50, and a curtain pole for £40, compared to £400 made-to-measure quotes.

Tasmin says: “I had family coming round on Christmas Day and we only finished the kitchen, bathroom and dining area two days before.

“It was really hard. When I first started teaching, we didn’t even have a bathroom or a sink, it was just a pipe out of the wall. We had to spend two nights out of the house when we replaced the toilet — that was the one thing we couldn’t live without.

“We didn’t have a kitchen either, but luckily my mum only lives ten minutes away, so she was making us a lot of meals.

“It was tough but it’s all so worth it now.”

Tasmin had to fit the mammoth task of redecorating their home around starting her new job.

It was really hard. When I first started teaching, we didn’t even have a bathroom or a sink.

Tasmin

The teacher, who has a degree in fashion, design and technology from Manchester Metropolitan University, did an eight-week Subject Knowledge Enhancement course over the summer and started work in a school in September 2020, which coincided with the move.

Tasmin says: “It’s the best feeling when I think about how far we’ve come in one year.

“I think, ‘Oh, my God, this is actually my house’. That’s what keeps me going. The upstairs is not finished at the moment, but I know it will get there because the downstairs looks so good.

“I always wanted to have a house, be married and have a kid by the time I was 30.

“Now I’m just happy with the house. It feels really good to have a nice home in a nice area.”

  • Valuations provided by Ashtons Warrington, arranged through Zoopla, which can arrange valuations or instant price estimates for properties in the UK.
Tasmin and Phil knocked down a wall and installed new worktops in the kitchen

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Tasmin and Phil knocked down a wall and installed new worktops in the kitchen
The pair sourced their bathroom shower, toilet and sink from eBay and bought an ex-display bath

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The pair sourced their bathroom shower, toilet and sink from eBay and bought an ex-display bath
New paving and garden furniture brought their outdoor space to life

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New paving and garden furniture brought their outdoor space to life
Tasmin bought their living room fireplace for £180 and transformed it with spray paint for £8

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Tasmin bought their living room fireplace for £180 and transformed it with spray paint for £8

Save £9,000 with Tasmin’s top tips

  1. Buy secondhand: With Facebook Marketplace, everyone forgets about Gumtree but you often get better deals on there. My best bargains were my £5 filing cabinet and our bedside tables, which cost £10 for two. I also bought our living room fireplace for £180 and transformed it with spray paint for £8 – we were looking at £600 new.
  2. Don’t let defects put you off: Always go for the messy furniture – if no one else wants it, you’ll get a great deal. People will list a cabinet for free just because it’s not got a handle. But most of the time, you’ll want to change all the handles anyway, so it doesn’t matter.
  3. Cash in on sales: We bought our tiles from Topps Tiles but waited until the January sales. We got our kitchen tiles at 25 per cent off which saved us £50. Our bathroom ones were 30 per cent off, saving us £60. I then saved £300 on a tiler by doing it all myself.
  4. Be savvy about searching: Facebook Marketplace can be overwhelming. Be specific about what you want and put filters on. I tend to search ‘past 24 hours’ as if it’s cheap, it’ll go quickly. Or sometimes I set the filter to a really long time, because then you know no one’s been interested.
  5. Don’t accept the first deal: We found the patio doors in our kitchen on Checkatrade for £800. We’d been quoted £2k elsewhere.
  6. Make stuff yourself: I made our dining table because I couldn’t find one to fit the space. It only cost £90 – the cost of the wood, legs, varnish and wax. Similar styles sell on Etsy for more than £300. I also made our dining bench, with storage underneath, for £60. We’d had quotes for upwards of £350.
  7. Try eBay for bargains: Our shower, toilet and sink all came from there, saving us £600 on similar styles in other shops.
  8. Ask for help: If you know professionals personally, ask them to do the work so you get the best price. Our kitchen was the biggest spend, costing £7k, but we got a discount on the worktop from a family friend so saved £3k.
DIY fanatic stuns with IKEA bookcase transformation as she transforms them from boring white into chic built-in alcove units

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