Materials: contractor vs self

Is buying materials yourself worth it

Input

Contractor purchasing pros: he's liable for quality/deadlines, delivers, has supplier discounts (sometimes below retail). Cons: 10–30% markup, risk of cheaper substitutes. Self-purchase pros: brand/quality control, transparent receipts. Cons: logistics, leftovers, your delays = your downtime risk. Hybrid: rough materials — contractor, finishing (tiles, fixtures, lights) — you.

Comparison

Contractor
₴150 000
Self (+time)
₴135 000
Self saves
₴15 000

Excluding downtime risk and quality liability.