I am not on site myself yet, but I have spoken with home and the unanimous opinion is that the carpets have to go.
I don’t think it will be 10k of personal contribution.
At most, we will spend a bit more on the kitchen, if at all. We would then move those pieces into the new house. Presumably, the cabinets can then be used in the utility room. And maybe we get a SideBySide fridge instead of a built-in one, since we can then continue using it in the new house.
For the short-term solution for the temporary arrangement, I think we will remove the carpets and put PVC or vinyl or click laminate over it. What would you recommend there?
Otherwise, we won’t do much. Toilets will be partially replaced (but not at our expense), I think I’ll make the rest of the bathrooms cozy with tile paint and bathtub paint. Of course, that is not absolutely necessary. But making the house a bit cozier (gradually, while we are already living there) I count as a hobby. I enjoy that, and you do spend money on other hobbies too. Of course not thousands, but you can achieve a lot with DIY on a small budget.
That was the idea behind this thread as well – whether anyone has good tips or tutorials, or can recommend paints. Less so as a fundamental discussion about our budget. ;)