Our house needed loads doing when we moved in, but it was kind of obvious... (wood panelling in the bathroom painted in Matt emulsion, including behind the shower!). We moved in two years ago and only replaced the carpet a couple of months ago. We lived with the bathroom for a year.
My tips are to prioritise. The fabric and condition of the house first, decorating comes after. The messy jobs before clean jobs. So we spent money at first on the roof. And the unexpected mains pipe leak. Then the plastering etc.
Re your house stuff, I’d put cold and damp first because it will make such a difference to your experience of the house.
Work through: are there any issues with fabric of building? Roof, guttering. Is your house a cavity wall or solid wall (if it’s older then prob solid, post war then prob cavity). Do you have cavity wall insulation? Is your lost insulated? You may be able to get some assistance with these measures if not. If your loft is straightforward access, it can be a diy job.
Damp: this is often caused by condensation eg warm moist air hitting cold surface. do you have an extractor fan in the kitchen and bathroom? If you don’t, open the bathroom window and close the door after you shower. Put lids on pans and close the kitchen door/ open window when cooking. You can save to install fans later. Use a dehumidifier if drying washing indoors. You say you’ve done windows, what about doors? A curtain or draft excluder could make a difference.
Heating: is boiler serviced? Have your drained radiators?
Other stuff: this is partly about things you can do, and partly about reframing things. Why is it embarrassing to have a bad bathroom? It wasn’t you that did the lacklustre install! No-one worth bothering about is going to be judging your bathroom in your first home.
Also, cultivate the subtle art of not noticing things you can’t do anything about right now. Our garden is also a project, but I’m not looking at it because we are prioritising the interior. I also just didn’t think about the carpet for two years :)
Things you can do practically in the short term:
Get a rug for the laminate, and slippers!
Think storage solutions. Under beds, over doors. Pinterest can be quite cheerful browsing for this, although sometimes a bit more than you’d want to do. Also review stuff: do you need it? Get rid if not!
Do all you can to minimise condensation
I really enjoy bringing out the house that is there underneath previous owners weird decisions! Would that help, to think of yourself as house rehabilitation after effects of previous ownership? It probably helps me that cosmetic problems were pretty obvious, so other problems were to be expected. But with a bit of patience (and ability to just not see the stuff you can’t change) you might be able to polish up the house to be a cosy and comfortable little home.