I'd hire out the sewer hookup, drain rough-ins, and supply from the house. The rest of the plumbing I'd do myself. I'm a DIYer and frugal, and I'd be doing everything I possibly could on my own. I'd hire out the running of the electrical to the garage, but then do the rest of the electrical myself. Hanging cabinets is no big deal--thurston howell iv is spot on there.
For saving money on materials, fixtures, cabinets, etc, hit up your local ReStore, Craigslist or Bookoo, etc. In my area there's a company that does home demolition and allows the public to come and help out. You remove stuff from the house, they save money on labor and disposal, you get stuff for pennies on the dollar. See if you have a place like that near you.
Building stairs is no big deal, either. You get three 2x12's, measure everything out, mark the cuts, whip out the circular saw, etc. There are TONS of websites and videos showing step-by-step how to do it.
I just read through your blog, and you asked for design comments, so... :)
--I like how you're using vertical space to fit in two levels, and I definitely think you chose the best of the 3 plans.
--If I were you, I'd make sure there's at least 12" on either side of the bed in the master bedroom. Not just for convenience when making the bed, but just getting in and out of bed is gonna be a massive pain in the neck. And it'll be a pain in the neck every. single. day. When you're designing a house for the things you do and use every day, this is definitely part of the daily routine :)
--Have you considered how you're going to get furniture (bed frame, mattress especially) into the upstairs bedroom?
--Have you figured out how you'll get access to the storage area by your daughter's bedroom? I'd avoid having the access through her room, especially as she gets older. Maybe leave it open to the living area, with a curtain to conceal the opening, with a ladder tucked away in a nook?
--You're right to insist on drawers in your base cabinets in the kitchen. They're worth the extra expense.
--It looks like you're going for a traditional tank-type water heater. Is there a reason you're not going for tankless? With a household of only 3 people, and your limited space, it seems out of place.
--Is that a pot filler over the stove? Smart :)
--What's your total height inside the garage? And what's the ceiling height in Anna's bedroom?