What items would you pay cash for?
I am trying to get a grasp on what items should be rolled into the loan & what items I should pay cash for. We will have roughly $800k into the build (plus the lot $200k).
The minimum we have to put down is 10%.
I have roughly $250k to play with for the down payment & cash items. Say we put down $150k for the down payment, what should I buy with the $100k? For some background info. DH works for a co. where we get really big discounts on many items that HD or Lowe's would carry.
My thoughts were appliances (around $17k with DH's employee discount), lighting, as I can find some great deals on that (roughly $4k). What about plumbing items (toilets, sinks, faucets, etc.)? Any big chunks like cabinetry?
Also, does anyone have a stellar spread sheet to keep track of all these things? I am totally Excel-challenged. :-/
Thanks for any feedback!