Hi Biggie_Robs,
'Failing to Plan is Planning to Fail' (or so my project management training told me
)
Your first step might be to consider having a home energy audit on your new home before you undertake any major improvements. Many local utilities offer them for free. Our's cost around $325.
We learned an aweful lot about home energy conservation in general as well as specific enegy waster areas in our home that we never knew about.
If you tackle the areas where your home is wasting energy and therefore money you can recoup costs to then help to finance the more cosmetic renovations. Start with simple weather stripping and caulking to seal air leaks causing your A/C to run more in the summer and heater in the winter, and then move on to the more costly energy conservation related stuff like attic insullation, energy star appliances, etc.
The report from a home energy audit should provide you with a blue print with which to create your own home reno plan, the sequence you undertake the minor and major projects. It might even tell you of government grants / rebates you could be eligible for. Sweet.
Good luck. Let us know how you progress.