it all depends on the finishs you want and if you already have existing rough ins for kitchen and bath plumbing. The plumbing and electrical will cost you the most if nothing is done. Also consider sound proofing the ceiling and putting in fire retardent insulation. You can go to the reuse centres and see if there are any kitchen and bath fixtures you might like/need. Also get at least 3 references for any work done and be aware of the jack of all trades who say they can do everything. Electrical and Plumbing should always be done by a certified professional. Check with the city regarding any permits and you may have to let your insurance company know work is being done in your home. It pays to have a professional install, tape and mud your new walls, but there is alot of work you can do on your own such as painting and flooring installation and baseboards. Just depends how handy you are. Hope these suggestions help.