$10k bathroom (rip everything out, re-waterproof, retile floor to wall, new tub, new basin, new toilet - but leave everything in the same location, floor tiles ontop of existing tiles - you do nothing)
$8k - kitchen (you rip out old kitchen, installer comes into to install new kitchen (stone, poly doors), appliances and appliances install extra, everything left in the same location).
$3k paint (thats paying someone, but i recommend doing it yourself if you have the time - if you're lazy, pay someone to do the ceiling, but walls are easy).