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Tell The National Lottery what you’d do with a fantasy £20,000 - £250 voucher prize draw! NOW CLOSED

(464 Posts)
MichelleMumsnet (MNHQ) Thu 08-Aug-13 10:20:32

You may have heard recently that The National Lottery's Lotto game is changing this autumn and is introducing a new Raffle where 50 players will win £20,000 in each draw. To celebrate this, The National Lottery have asked us to find out what Mumsnetters would do with (a fantasy) £20,000.

Here's what The National Lottery say: "As of 5th October, Lotto is changing, offering more ways to win more money. The prize for matching three numbers will be increased from £10 to £25, the jackpots will be bigger (£2.5million on Wednesday and £5million on Saturdays) and there's a new raffle where 50 players will win a guaranteed £20,000 each draw. Tickets for the new game go on sale on 3rd October and cost £2 per line. We would love to hear about how Mumsnetters would spend £20,000 if they were to win the raffle prize!"

So what would you do if you were to win £20,000? Would you go on a huge spending spree, or would you be more careful with your winnings and put it aside for a rainy day?

What have you always wanted to do, but have never managed to justify the cost of? Dine at a Michelin-starred restaurant? Buy a piece of designer jewellery? Maybe you'd splash it all on a round the world holiday? Or perhaps you'd save it to make life easier for you and your DCs if they decide to go to university? Or would you take the opportunity to clear (some) debts or pay off a chunk of the mortgage?

Whatever it is, The National Lottery would love to hear about it.

Everyone who shares their thoughts on this thread will be entered into a prize draw where one MNer will win a £250 Love2Shop voucher.

Thanks and good luck,

MNHQ

Tee2072 Thu 08-Aug-13 10:26:55

Down payment on our dream house. That would use the whole thing up.

orangepudding Thu 08-Aug-13 10:29:52

I would love to spend it on a really big holiday, Disney and American road trip.
Would probably put it towards buying our forever house.

Lilyloo Thu 08-Aug-13 10:34:03

We would use some of it to take us all on a dream holiday to Disneyland. Then we would put some into savings and use the rest to put down a deposit for a newer car for dp.
How nice , we no longer do the lottery after never winning even ten pounds. I have always said it should make more smaller prize winners.

ShatnersBassoon Thu 08-Aug-13 10:40:59

I'd spend £10k on a holiday, then put the rest in a rainy day account.

EauRouge Thu 08-Aug-13 10:47:17

Boring things- get the car fixed, pay off a couple of debts, put some away for the DDs.

Frettchen Thu 08-Aug-13 11:04:24

I'd use it to TTC (need a fertility clinic to do that thanks to a couple of minor complications, and simply cannot afford to do that) and the rest would go to house-moving costs; moving van, new furniture and the costs of selling up and transferring the mortgage etc.

I'd use it to buy DS1 a physiotherapy vest from America, no more wars over physio would be grand! The rest I'd use to get someone in to do up the house room by room.

What ever was left I'd persuade DP to elope to Gretna Green and get hitched over a weekend wink

escape Thu 08-Aug-13 11:06:55

Torn between saving for property purchase or just a fab daily holiday - which would be 10k gone - haven't had a holiday since 09, and the kids deserve it, it's been a 'challenging' 3 years for all!

We'd spend it on ivf to try and give dd the sibling she's desperate for. £20,000 should be enough for 3 goes!

moonbells Thu 08-Aug-13 12:12:41

I'd use it to get the builders in and sort out our utility room, which is, frankly, a ghastly mess. We've been in the house 15 years and it was a ghastly mess (uneven or flaking pasterwork, peeling paper behind the loo) when we moved in, but we've been gradually fixing everything else. Just this left, now, and it's a biggy.

Be nice if we could finally fix it.

Faithless12 Thu 08-Aug-13 12:15:43

Much needed extension and a holiday.

Puppypoppet Thu 08-Aug-13 12:18:21

I'd use half of it to clear credit card and loans - would be great to be debt free!!!
The other half I would use to sort out our driveway (possibly block pave or similar) as currently it is gravel which is rapidly thinning with loads of weeds growing through...not a good look!

GirlWithTheDirtyShirt Thu 08-Aug-13 12:20:24

I think after the usual dullness of settling a few debts we'd be off on a dream holiday.

DP has always wanted to drive from Vancouver down the West Coast and in to visit Seattle and Portland before heading down to San Francisco. So with £20k we'd make that our honeymoon.

Glitterfairys Thu 08-Aug-13 12:24:00

Definitely a big tour around America. I would hire a motor home and spend the summer travelling wherever we liked, my boys would love it and would be an amazing experience for them. If I won the lottery it would be the first thing we would do grin

HairyPoppins Thu 08-Aug-13 12:29:47

We need new central heating and a replacement flat roof for the 'new to us' house we bought a few years ago - dull but it would make a massive difference to our quality of life. Maybe a tiny bit left over for some lovely local days out.

trikken Thu 08-Aug-13 12:36:33

Do this house up as we have to sell it but parts of it need a lot of doing up, and we cant afford it.

EeTraceyluv Thu 08-Aug-13 12:40:51

I would spend £12000 paying off our debts which would mean we cold actually afford to start repaying the mortgage! With the £8000 that would be left I would pay £6000 to give dd the operation she needs to be able to hear which the nhs won't do sad

Ooh I like this idea!

We haven't managed to travel anywhere near as much as we'd like yet, so I'd use a chunk of it to take our teenage dds to New York, which is their dream destination. I suspect we'd spend a fair bit of it on cheesecake whilst there!

With the rest, we'd put it towards getting the loft converted in order to add an extra bathroom (with two teenager girls, one bathroom can be a bit of a problem!) and a small library room for me to fill with lots of lovely new books.

EeTraceyluv Thu 08-Aug-13 12:41:08

oh and the £2k would take us on a reasonable holiday..

babybearsmummy Thu 08-Aug-13 12:41:09

I'd put half into savings for my daughter for when she's older for funding a new car or university etc.

The rest I would use to redecorate and update the house a bit and to have a lovely, worry free Christmas with lots of nice presents and yummy food for all the family!

I'd also give my in-laws a couple of thousand to help their business get off the ground as it's always been my mother in law's dream to have her own business and I'd love to see her have something she wants for a change as she's always scrimping and saving to help others smile

AtYourCervix Thu 08-Aug-13 12:43:52

Little presents for everyone.

And it would go a long way in South Sudan, training midwives, where I'm going next month.

iwanttoscream Thu 08-Aug-13 12:44:52

With £20,000, we would get a nice second hand estate car as our last car went to scrap yard. Have a nice holiday, as we haven't been away for 10 years. Any money left would spruce up our kitchen, as we still have the same units from when we moved in 22 years ago!

lisad123everybodydancenow Thu 08-Aug-13 12:46:44

Message withdrawn at poster's request.

mummylovescakes Thu 08-Aug-13 12:47:59

I've always wanted to go to the Cayman Islands, so I'd splash out on a luxury holiday for my family and then probably save the rest for my children (and possibly a gorgeous pair of shoes and a handbag for me!)

thefirstmrsrochester Thu 08-Aug-13 12:48:39

Finnish BBQ hut without question!
And I'd take the kids on holiday to Cuba.
Off to dream......

dontputaringonit Thu 08-Aug-13 12:50:23

I would use it to buy a home. Without a windfall DP and I will never be able to own a home.

DatsunCogs Thu 08-Aug-13 12:50:38

Actually - pay off debts and finally finish doing up our house. Fantasy - buy a campervan and drive round the UK and Europesmile

ParkerTheThief Thu 08-Aug-13 12:54:09

Finish the work on our house - all the essential bits are nearly done but it would be lovely to have money to do the extra things like decorate and move the oil tank

Pay a landscape gardener to come and revamp the garden so it was lovely and lower maintainance

Save the rest as a holiday fund so hopefully we could go on a nice,but not overly extravagant holiday for the next few years.

Lazycoon Thu 08-Aug-13 12:55:45

IVF cycles smile

gazzalw Thu 08-Aug-13 12:56:44

£20,000 seems like a lot of money in theory but it really doesn't go that far.....(and I'm not being greedy either!). Hmmm..options:

a) pay off a big chunk of fast-diminishing (but not fast enough) mortgage whilst our interest-rate remains relatively low to play the long game

or

b) build a proper conservatory at the back of our house to make a bit more space.....

or

c) go on a proper family holiday (we haven't had a decent, no expense spared holiday since being a family) to remember

d) Bank it to help the children with either their university fees or with a deposit to buy their first flat/house.....

e) Invest it as a pension pot as we are not going to be flush on the basis of current pension predictions...

chicaguapa Thu 08-Aug-13 12:56:51

I would use part of it to go on holiday, either a cruise or to New York. And buy myself a second hand VW Beetle.

Then I would probably use the rest to pay a bit off the mortgage.

LaVitaBellissima Thu 08-Aug-13 12:59:56

I would buy my partner a Breitling watch, and i would love a makeover and shopping spree. I would then spend second car for the family, I have a huge dentists bill coming up and save any left over for Christmas smile

GetStuffezd Thu 08-Aug-13 13:00:26

I would travel France in a camper van and fill it with as much cheap but delicious local wines as would possibly fit in there.
With the remaining I would be more sensible and clear some debts. Finally I would be a bit greedy and buy a few £10 scratch cards....

VeryDullNameChange Thu 08-Aug-13 13:05:24

New car, definitely. The old one is eleven years old, horribly fuel inefficient, smells bad, and has its own ecosystem. I'd love to get a new one with a warranty, that's fuel efficient enough to get cheaper road tax and parking permits (we don't drive it enough for the actual petrol use to be a big deal), and that has an iPhone dock. I'd spend nineteen thousand on that, and the remaining grand would go on a lovely new kingsize bed and mattress to replace our knackered double futon.

manfalou Thu 08-Aug-13 13:06:28

I'd put £2000 into each of the kiddies saving accounts, buy a new (to me) car as its not great having a 3 door clio with a 2 year old, 3 month old and double buggy! Then a nice family holiday somewhere, not after going anywhere exotic, crete or cyprus would be great!

I expect we'd have a (fairly cheap) holiday abroad, somewhere the kids would enjoy. We'd pay a chunk off our mortgage. Dh would buy a Macbook Pro and I'd buy a lot of fabric! Oooh, that's just made me think. I'd buy a Janome Horizon to make quilting easier.

BornToFolk Thu 08-Aug-13 13:32:25

I'd be really dull and probably use half of it to do some renovations to the house (desperately need new carpets throughout!) and the other half would pay off (a tiny proportion) of the mortgage.

I'd probably keep £200 or so back to treat me and DS to a weekened away, or just to blow on cinema trips and pizza! We're easily pleased!

Spend it all on my house. Imagine my house would still look like it is falling down though hmm

MrsGeologist Thu 08-Aug-13 13:38:28

Clear debts, and then the deposit on a house. Bit boring.

I'd secretly want to blow it all an a ridiculously long and expensive holiday.

FEEdec Thu 08-Aug-13 13:44:59

I'd pay £15,000 off the mortgage and then use the rest to stay on site at Disney in Florida (my dream holiday)

nancerama Thu 08-Aug-13 13:51:18

My mum inherited a clock from my auntie, her sister. It's tiny, French and apparently very rare. She would love to have it serviced and repaired and has been quoted £££ to have it done. That's the first thing I would spend the money on.

Next I would take DH and DS on a fabulous holiday. Probably Disney.

Finally I would get our ageing kitchen sorted and install a dishwasher.

PetiteRaleuse Thu 08-Aug-13 13:53:22

I would use most of it on debts and 2000£ to do a training course I want to do but can't afford.

If I were debt free it would go on a nice holiday.

filee777 Thu 08-Aug-13 13:54:46

I would pay off some bills to make my college course easier, I would buy a decent car and I'd go on holiday somewhere fabulous

JustBecauseICan Thu 08-Aug-13 13:57:33

Take dd to Spain where she dreams of going.
Just me and her, for a month.
Move into nicer rented accom than we are in at the mo'

Jux Thu 08-Aug-13 14:11:51

Take DD to Egypt, but do it really properly - best hotel, trip down the Nile, visit all the sites. I've been trying to get the money together for it for years, but something always happens - new boiler, brother dies, yada yada yada. She's wanted to be an Egyptologist since she was 3 or 4 and hasn't wavered (14 now). So many of her school friends have been; mind you, that's to Sharm el Sheikh, slightly different wink

Madratlady Thu 08-Aug-13 14:13:08

£20,000 would be enough to clear off all of our debts, including the car finance so we'd own the car. That'd take about half of it.

The rest would cover most of a deposit for a house.

whattodoo Thu 08-Aug-13 14:14:50

Pay a bit off the mortgage.

Put some in savings.

Honeymoon to Disneyland.

Upgrade car.

Build a summerhouse.

Buy another lottery ticket.

ImTooHecsyForYourParty Thu 08-Aug-13 14:20:49

I'd pay for my mother in law to have an accessible bathroom (she lives in rural kenya and is getting on in years) it upsets me greatly that we can't do this for her.

the rest, buy a new (to me, not new new grin ) car and treat the kids to some new (new new!) clothes instead of charity shop ones for a change!

If there was anything left, I'd split it between the kids and put it in a savings account for them

rlouisa Thu 08-Aug-13 14:25:13

i will lay the whole lot out on my carpet and step on it, scold it for not coming sooner and then book one of those celebrity like holidays to the Caribbean with my whole family and splash the rest on her my heart desire. i wouldn't pay a single bill with it.

popelloucla Thu 08-Aug-13 14:27:46

It would probably go on holidays.
A skiing holiday with my sister and her family and SIL and her family. A trip to Disneyland Paris, and a weekend somewhere nice for me and DH.
Any left over I would spend on things the DC want, but we can't afford (ipads, laptops, new beds).

Spirael Thu 08-Aug-13 14:28:33

With £20k, we'd buy a bigger car (second hand, but newer than our current one), stash some into an account so we actually have some savings and use the rest to be able to afford to have a much wanted DC2! smile

hotair Thu 08-Aug-13 14:45:35

hmmmm
1. trip to nz to visit relatives and show dc's their heritage
2.New wardrobe
3. New laptop- this one is not a happy bunny
4. Pay off the carloans
5.New boiler!
6. An item of sparkly jewellery chosen by my dh for me

stealthsquiggle Thu 08-Aug-13 14:54:13

Tackle another 2 rooms in our ongoing project of a house. Wooden floor for the dining room, and a complete strip out and refit for the spare room - replastering, redo the bathroom, fitted wardrobes, better lighting...

(I think I may be over budget already, but I could carry on)

sharond101 Thu 08-Aug-13 14:54:35

I'd buy a baby. Not so much buy it but the treatment I need to have DC2 which the waiting list is horrendously long for.

xenzani Thu 08-Aug-13 15:13:01

I would clear my debt and either decorate my flat or use some as a deposit to rent a house somewhere so my girls could have a garden with what ever they wanted in it.

I would take them on holiday somewhere.

I would use some to give them a fab Christmas.

I would treat myself to a custom built, top of the range gaming computer!

There is so much I could do with 20k, I would feel rich and like all my birthday's and Christmas's had come at once.

Arisbottle Thu 08-Aug-13 15:18:28

I would like DH and I to take a month of work, pack a bag for each of us and the children, go to the airport and get a plain to wherever we fancy and keep travelling until the money runs out

aftereight Thu 08-Aug-13 15:19:57

10k off the mortgage
1k each in the DC's savings accounts
8k on a big family holiday

However, a £250 voucher would also be lovely!

TallyGrenshall Thu 08-Aug-13 15:20:29

Pay off debts, buy a car, take DS to Disney and then save the rest

dancemom Thu 08-Aug-13 15:20:33

Deposit on a house. That's my dream- to own a little home with a garden for dd and myself smile

I would be really boring and use it all to pay off a chunk of our mortgage!

Pay off car, rainy day account and about half in savings for new house.

Faverolles Thu 08-Aug-13 15:39:57

We live in an impossibly tiny house we have a quote to extend to give us a bigger kitchen/dining room plus a small area that dh and I could use as a bedroom (we are currently camping in the lounge to give our dc more space)
The quote for the extension is £20,000 including vat, so that is exactly where it would go grin

ouryve Thu 08-Aug-13 15:42:14

With that, we could afford to rent somewhere else while we replaced the kitchen and bathroom, replaced all the windows and got the house re-rendered.

Or we could accept that his house is a money pit and wouldn't gain as much in value as we had spent, put it on the market at a price to tempt and use the money to add to what we get for it as a deposit for somewhere bigger, newer and less high maintenance.

RunningGingerFreckleyThing Thu 08-Aug-13 15:42:35

£10,000 towards repaying our mortgage, £5,000 towards a bigger car as it's a bit of a squeeze in ours and £5,000 for new windows and rejigging the garden steps so that I don't need stilts to climb them.

Piffpaffpoff Thu 08-Aug-13 15:46:47

Sensible option...
- New (secondhand) car
- new carpets
- washing machine
- get the house painted

Not-so-sensible option
- blow the lot on a VW campervan

BumpyS Thu 08-Aug-13 15:55:35

i would start my own business

HannahLI Thu 08-Aug-13 15:59:40

I would love to do something fun but in reality we would love it for a deposit on a house! We would love our own space.

scripsi Thu 08-Aug-13 16:01:38

I would go self-employed and invest some of it for the DC.

iwillsleepagainsomeday Thu 08-Aug-13 16:03:02

I'd spent 2000 on a nice clothes shopping spree for myself as after 3dc my wardrobe has to be completely renewed. hmm

Another 3000 on the house as we need to redecorate all the bedrooms and would love to put double glazing in.

I would keep the rest for a rainy day.

thornrose Thu 08-Aug-13 16:03:22

Clear debts. Take my dd to Jamaica to meet her extended family. Buy myself gym membership or even better a personal trainer! Put the rest in savings for dd.

DiaryOfAWimpyMum Thu 08-Aug-13 16:06:18

I would buy

A full new wardrobe

Carpets for stair/something for upstairs loo and carpet for my bedroom

Cooker

Freezer

Car

Holiday abroad just me and DC

I would blow it fairly quickly

I would go to Paris for a fortnight, and dine in every single Michelin-starred restaurant (except for Senderens, which is crap). I would drink cocktails every night in my favourite bar, which I'm not going to name, as it would out me in RL.

If I had any change I would visit Chanel and actually buy something, instead of looking and dreaming.

TheFutureMrsB Thu 08-Aug-13 16:07:22

A car would be my first buy, nothing fancy just big enough for the six of us, then passports for the six of us, in one go, no faffing about getting one at a time! And then of course a holiday ... And the clothes for said holiday.

Probably do up the house and garden and too, most of it's done just buy a few nice bits to put in, oh, and carpet for the landing! Definitely carpet for the landing, thinking about it I possibly would go and get that first!

Isitme1 Thu 08-Aug-13 16:08:09

I would like to spend 5k on a deposit for a house as we are currently living with extendes family which is a nightmare when you've got 2 dc.
Would like to take my boys to disney land so 3k there.
I would like to spend 10k kitting out the new house.
I would put the rest away for a rainy day!

Charleymouse Thu 08-Aug-13 16:19:47

If I won £20,000 I would:
pay a lump off the mortgage
get the house deep cleaned and decorated.

I would also probably stop playing the National Lottery in favour of the health lottery.

I would consider my luck to have run its course with the National Lottery.

I do not like the doubling up of the prices from October, regardles of the change in prize structure.

I do not like the 75 different ways of playing, this has diluted the actual lottery to such a point I do not even know why I bother anymore.

I do not like the new "lotto" name.

Grumble grumble grumble. I am a grumpy old woman so bah.

CousinArnold Thu 08-Aug-13 16:29:41

The boring stuff first - paying off debts and putting some into long-term savings. Then a massive shopping spree and a fab family holiday to Hawaii!

Pay £15k off my mortgage
Put £1k away into each of my DC's accounts
Spend £1k on a holiday
Put £1k away for a rainy day.

AllSWornOut Thu 08-Aug-13 16:50:43

Boring, but would spend it on the house extension we're currently having designed.

bamblolo Thu 08-Aug-13 16:50:53

I would take my daughters to New York and shopped
Till we dropped! I would also have a top to toe pamper session. I would get my daughters bedroom a complete makeover. I'm getting excited even thinking about it and have only ever won a few pound on the lottery lol!!!

expatinscotland Thu 08-Aug-13 16:56:23

We live in a rural area of deprivation, but find it nigh on impossible to move due to costs and low-income. As a result, our young children have been unable to access basic services to address their bereavement of their elder sister, who died last year of cancer.

So, with £20,000, we would find a private let willing to take on a family and pay the rent up front in the nearest city to here, get new jobs and hopefully get a fresh start in life, particularly for our children.

bamblolo Thu 08-Aug-13 16:57:42

I would take my daughters to New York we would see all the sights and shopped till we dropped. I would also treat us to a top to toe pamper session. I would give my daughters bedroom a complete makeover. I am getting excited even talking about it and have only ever won a couple of pounds on the lottery but I always think I am going to win!

InvaderZim Thu 08-Aug-13 17:05:51

This is really boring, but I'd pay off a huge chunk of the mortgage. Having the monthly payments go down dramatically would pay off over the long term!

I would also probably funnel a bit into the business I'm starting, though a small amount would make a huge difference.

JeanBodel Thu 08-Aug-13 17:09:23

I would pay off debt.

But not all our debt, because I would also need to buy a new kitchen and re-decorate the sitting room.

kilcrea Thu 08-Aug-13 17:14:20

Pay off a bit of the mortgage, go on a nice holiday and start up that new business I've been thinking about recently!

choccyp1g Thu 08-Aug-13 17:14:47

Some for a serious holiday; think Australia or China..
If anything left save for college funds for DS.

sunnyshine Thu 08-Aug-13 17:18:15

With the cost of holidays going up I would put the money towards buying a motor caravan so we can drive off at a moments notice and see the rest of the uk and Europe smile

Suddengeekgirl Thu 08-Aug-13 17:23:15

I think we'd split it 4 ways.
£8-10k on the mortgage.
£3-4k each for the dc's for uni/ whatever when they're big enough
£2-3k for fun money! grin Probably a few toys at home, a couple of purchases around the house like a new bed/ carpets and a mega holiday to Australia. During term time (!) as we could afford the fine then! wink

mawbroon Thu 08-Aug-13 17:25:59

We would into the school catchment area so that we don't have to stress about whether ds2 will get in or not!

mawbroon Thu 08-Aug-13 17:28:25

move into the catchment area I mean!

themonsteratemyspacebar Thu 08-Aug-13 17:32:39

I have just managed to get a place at uni to do a degree, grin so would use the money to live on and go onto a higher level degree when ive finished, with no money worries.
Buy a new car (2nd hand) and go on holiday to Disney in Florida as it is the place of dreams!

So many things!! Get a new kitchen mine has holes in the ceiling, missing drawer fronts, a non working oven to name but a few. Finally decorate my room I've lived in my house since 1998 both kids have had there room done numerous times mine has never been touched.
Then a 2 week holiday somewhere hot and sunny all inclusive for me and the kids.
If there is anything left I'd spend it on my garden.

I would use it towards having the attic turned into a bedroom, do DC could have a room each.

MrsKwazii Thu 08-Aug-13 17:36:33

We'd probably spend some on a classic VW campervan, give some to charity, put some in the childrens' bank accounts and buy a few bits and pieces for the house.

KnittedWaffle Thu 08-Aug-13 17:37:53

I'd use some of the money to finish off the works at my Mum's house.
Finish off the garden here so it's safe for the DC and so DS2 can go outside with the other two.
The rest of the money I'd use to hire a car and book hotels so I could take my DC around the country to see all the friends and relatives we haven't been able to afford to visit.
(Some of them haven't even met DS2!)

Panzee Thu 08-Aug-13 17:38:27

Buy 10,000 Euromillions tickets. Oh yes. grin

starlight36 Thu 08-Aug-13 17:40:45

We'd save 1/2 of it for children's future. The rest would be used as a holiday treat fund so that we could have a few years worth of nice holidays without having to stress about saving /budgeting.

nextphase Thu 08-Aug-13 17:43:00

Sensible hat: savings account, give up work, and be a SAHM.

Luxury hat - find an interior designer to help me pull the inside of the house from white walls and furniture that pre-dates my marriage to something lovely looking but still practicable.

TiredFeet Thu 08-Aug-13 17:45:04

I'd splash out a little on a holiday somewhere hot and sunny but the rest would definitely go in our house deposit fund!

RVPisnomore Thu 08-Aug-13 17:48:18

We'd have a weekend away somewhere as we've not had a holiday this year. The bulk of it would go on buying blinds and/or curtains for the house as some windows don't have anything just now.
Would also look to buy some dining room furniture and if there was anything left I'd look at buying myself a Mulberry handbag!

LucyWildelovesGru Thu 08-Aug-13 17:49:40

I'd put the maximum I could into my ISA, pay off a chunk of the mortgage and set aside £5k for fun. New bikes for me and the DCs, a weekend away somewhere lovely with them, and a trip to NZ next year to visit the relatives. Plus a shopping trip for me - books, perfume, jewellery, a new stereo. Save 3/4, spend 1/4 is my rule with unexpected money.

MaureenMLove Thu 08-Aug-13 18:02:09

I'd have a holiday straight away and then put the rest towards my retirement home abroad.

Elainey1609 Thu 08-Aug-13 18:07:26

Pay off debts and small bit to put towards a house deposit
Boring I know but responsible I'm afraid
I just can't justify the big holiday I want to Florida with no house and lots of debts at the moment
I can still dream though lol

ClaraOswald Thu 08-Aug-13 18:09:41

Learn to drive, buy a car, have a holiday and treat my mother to a shopping trip.

Anything left would pay bills and go into savings.

NonnoMum Thu 08-Aug-13 18:10:49

Art.

FrequentFlyerRandomDent Thu 08-Aug-13 18:17:11

A donation to WA.

A complete set of Thomas the tank engine complete with sheds and troublesome trucks for the DCs.

A real piano for DD1.

A new bike for DH, with reflective tyres.

A Christmas tree for Christmas.

A big blackboard on the balcony for DCs to draw on.

Pay a childminder to allow me to return to work.

Patilla Thu 08-Aug-13 18:17:55

I would buy a camper van and keep the rest towards funding holidays with it.

Apart from a little bit to buy DH a nice coat as he goes without so much for his family I'd like to let him get something of quality that would last.

Theincidental Thu 08-Aug-13 18:19:17

Move house and stick a chunk in savings for Ds.

Stopanuary Thu 08-Aug-13 18:21:44

I'd buy my husband the cycle he dreams of but won't buy for himself... and I'd enroll myself on a Masters course.

pongping Thu 08-Aug-13 18:22:09

We're just about to move to a house which needs a new kitchen £20,000 would be the difference between a kitchen that does the job and the one that appears in my dreams... <salivates>.

I would buy some carpet to cover my bare floorboards throughout my house, replace my cardboard boxes with a real table,& cupboards,get a modern electric consumer unit fitted, have a new door & window in my kitchen ,buy a sofa to sit on, rather than plastic garden chairs, have a nice bathroom fitted,& if there was any left,the kitchen is 1950s,& in need of updating.

letsgetreadytoramble Thu 08-Aug-13 18:25:51

Pay off debts, put some aside for a deposit on a house and use some of it to spread a bit of happiness amongst family and friends too smile

Kveta Thu 08-Aug-13 18:25:59

We'd probably put some towards a holiday, and the rest towards a loft conversion so that the kids can have their own rooms one day!

Although realistically we'd probably just put it into the mortgage to try and pay it off faster <dull>

Adulthood isn't as exciting as I thought it would be grin

Ethlinn Thu 08-Aug-13 18:30:49

I'd use half of it to pay off our debt.
The other half... My sister is having a baby in October. We (me and OH) were lucky enough to get loads and loads of stuff from our friends and family few months ago when DS was born. My sister and her DH live thousands miles away from here and are totally skint atm. So I would use some of the money to buy stuff for her baby boy (instead of giving her clothes etc used by my DS). She was ttc for 15 years and I know how much this would mean to her.
The rest of it:
Season ticket for OH (can't afford with me still on maternity and he's gutted, football season just started...)
Ridiculously expensive handbag (for myself, of course)
Charity
And perhaps weekend away for us...
And loads and loads of toys for DS

Pay off mortgage, debt, and have enough left for a fab holiday. Maybe to tour America, finishing with a shopping spree in New York? Fun!

FairPhyllis Thu 08-Aug-13 18:53:07

17k for a deposit on a flat. Boring but it would mean I would have a place of my own.

Then I'd go to a really good cosmetic dermatologist to sort out my skin. And with anything left over buy some small treats for my parents and me.

Ah where to begin?

New carpet for the stairs - half the stairs are exposed after it was ripped up to do emergency work last year.

Finish redecorating the hallway.

Stick some in DCs savings.

Get a haircut.

Go on holiday.

Buy new clothes.

£20k only seems a small amount versus the jackpot but actually it would make a huge difference!

theboutiquemummy Thu 08-Aug-13 18:58:20

i'd use the money to travel the world for 12 months with DH and DS so he could gain a world education, trip of a life time

rcs19 Thu 08-Aug-13 19:07:56

I'd like to pay off the last bit of my mum's mortgage so that she can retire.

I'd also do some work on the house. Put in a downstairs loo and shower room for when the dd's are teenagers, so we don't all have to compete for one bathroom.

ohmeohmyforgotlogin Thu 08-Aug-13 19:11:21

Pay off mortgage, car, lots of travelling Inc Australia, Mexico, Canada, Malaysia etc etc till the money ran out!

eteo Thu 08-Aug-13 19:40:44

i want to go back to singapore to visit family and see my twin nephews who born two months ago. Also visit my dad and grandma tomb as they had passed. My dad's anniversary is next month.

QueenandKingMum Thu 08-Aug-13 19:44:14

I would use £20000 as a down payment on a house, it would be the only way I'd be able to get onto the property ladder!

Happiestinwellybobs Thu 08-Aug-13 19:44:22

My dreams are a little dull in all honesty. I would pay the money towards our mortgage or use it to convert our loft, so we can have more room for DD.

Kahuna Thu 08-Aug-13 20:42:06

I would use it to get a loft conversion so that I could foster more children. (only one spare room at the moment, so currently limited to 2 siblings ; would be able to do 2 x siblings or even maybe a larger sibling group.....the possibilities are endless grin )
Anything left over would go into my DS's University fund.

sealight123 Thu 08-Aug-13 20:45:59

I have a small step-by-step list of what I would do-
1. I would tell no one when I first get told...so I can plot and plan
2. I would buy/arrange my families passports and call their workplaces to inquire/request they can have time off
3. I would call them all together to discuss something very important (in a serious tone of course)
4. I would have packed all of their suitcases and have them turn up to the house in a taxi/minibus
5. I would then reveal that we are all off to Florida, revealing a backpack for each of them with personal goodies
6. We would spend 2 weeks in Orlando having the time of our life
7. On our return the rest of the money would be put to good use...a bit towards doing up bits and bobs in the house...some put away in a savings account for my daughter and then some just to sit there quietly in my bank account acting as a little safety net smile

It sounds quite cliched and perhaps a bit boring but, by gosh, if I won, this would most definitely happen smile xx

keepyourselfalive Thu 08-Aug-13 20:52:16

I would spend the money on driving lessons and a car, as I'm expecting DC 4 and I really don't know how I'm going to manage the school runs in the mornings, getting to 2 different schools, a nursery and work confused

GetKnitted Thu 08-Aug-13 20:54:03

for how long could I pay for a cleaner with 20k? thats what I'd treat myself to!

CMOTDibbler Thu 08-Aug-13 20:59:33

I'd buy myself a horse, and a trailer so I could go out and do things. And with what was left over I'd sort the IR car control so driving was easier for me, buy dh the uber expensive knee brace he can never afford, and finally get the garden furniture we actually want.

CaterpillarCara Thu 08-Aug-13 20:59:42

- Take the children to the eight children DH and I have lived in (four each) before we moved here.
- Replace our so old it is uninsurable car

CaterpillarCara Thu 08-Aug-13 21:00:00

Eight COUNTRIES!!!!!

Artijoke Thu 08-Aug-13 21:05:24

I would love to reduce my hours at work so I could spend more time with the kids and get more involved with their schools. I'd use the 20k to enable me to afford to go down to 30 hours per week for two years.

thefirstmrsrochester Thu 08-Aug-13 21:29:55

Actually, I erase my list, I'd would give it all to expatinscotland.
Your post reminded me what's important.

SaltySeaBird Thu 08-Aug-13 21:41:26

We'd have a lovely holiday, have a new bathroom fitted and buy all new pots and pans for the kitchen. After treating family and friends we'd put some into DDs savings and the rest in a TTC fund so she can have a sibling.

al88 Thu 08-Aug-13 21:46:32

I'd buy a brand new, shiny bright blue Mini. Not sure how much change I'd get from 20K but anything left would be for a holiday or to overpay the mortgage.

ThePearShapedToad Thu 08-Aug-13 21:47:23

Buy my dad the classic car he's been wanting for 25 years and never been able to justify due to my school fees / mortgage / everyday life.
And with the final £1000, buy myself a ragdoll kitten as I have been longing for one for ever and ever and cannot wait until I have something to cuddle and love

Raahh Thu 08-Aug-13 21:56:56

Boringly, I would pay off some debts-bank loan/car, so that we would have some money left when payday comesgrin

I'd love to move, but £20,000 wouldn't get us far (we rent).
Put some money aside in accounts for the dcs.
I would get my first hair cut in 18 months.

Then I'd re-new all the passports, and arrange a nice holiday, after I've taken us all clothes shopping.

I have dreamed this dream a lot.

I'd use the £20k to pay for the rent and public liability insurance for one of the empty shop units on our local high street.

Then I'd use the space as a community unit. We have no community hall to speak of and the library is small, it would be nice to have somewhere where the offerings changed from week to week. Pop up shops, pop up craft events, kids events, reading groups, book signings, craft groups, acoustic music nights for the local teenagers etc.

I moved to this area because of the amazing community vibe but find the ruination of our high street galling. If I could contribute to increasing footfall, giving people a reason to stay for an hour or two and maybe pick up a coffee next door, a gift in the shop across the street etc then it would be a great adventure! Just not gambling with my own money! (Or lack thereof!)

mammal Thu 08-Aug-13 22:47:24

We moved three years ago and still have a lot of work to do to the house. We have prioritised the children's rooms and the garden but there is so much left to do.

Apart from that I would plan a family holiday. I would also like to treat my daughter. She has had a difficult year and needs reminding how special she is.

Sensible choice from me, I would use the money to finish renovating my house so it could be sold for the best price, meaning my dream of upping sticks and relocating could come true smile

Summatontoast Thu 08-Aug-13 22:57:14

Holiday of a lifetime, clear debt and treats for those i love.

LoganMummy Thu 08-Aug-13 23:05:06

£20,000 would make a huge difference! The first thing I'd do would be to sort out my (getting on a bit) parents house for them - install a downstairs bathroom and fix the leaky roof and damp patches caused by cowboy builders who took their money and did a shit job.

With a 10 week old daughter id love to have the money to turn our box room into a nursery for her.

With any money left I'd love to treat us all to a beautiful family holiday (10 of us in total) in the south of France - all of us eating croissants and cheese on a warm, sunny balcony overlooking a vineyard would make me very happy!

Mayanbob Thu 08-Aug-13 23:10:17

I'd put half in savings so we could go to Australia when our (currently unborn) baby would be old enough to appreciate it - in order to visit my Sister In Law who lives over there. The other half i'd put towards the deposit for a house we're looking to buy this year.

Cindy34 Thu 08-Aug-13 23:12:53

Pay it off the mortgage. Really boring I know but the mortgage feels like the big chain around our necks, so the sooner that is gone the better.

42day Thu 08-Aug-13 23:37:34

Oh dear, by the time I've reached reading through most of the above I've already spent it in several different ways, so before I change my mind again I would say I would spend £5,000 on home improvements and the majority of the rest on a replacement family car, much needed and then if by any chance a decent amount left I would save it for a really rainy day.

flutterbynight Thu 08-Aug-13 23:38:34

£20,000 would enable us to move from our flat into a house, with a garden. I would love this for DS, to have an outside space and to be able to use things like paddling pools and sandpits! We will get there without a windfall too, but it will be a few years yet!

missorinoco Thu 08-Aug-13 23:46:26

A lovely family holiday, possibly Disneyworld, but if the children were older, South Africa on a safari.

Pay off a loan.

Give my Mum and siblings some money just to enjoy.

Buy some nice clothes, that don't fall apart after five washes, and a pair of decent jeans.

WildThongsHeartString Thu 08-Aug-13 23:58:35

Ooh, a holiday with both of us there at the same time!

A wardrobe-our Ikea temporary rails have done well for 3 years but it would be so nice to have the clothes behind doors

The rest, well I'm not being political but I would help my mil buy her little 2 bed flat so she doesn't get forced to move out of her home.

dygranny Fri 09-Aug-13 07:22:56

I would clear some debts and take the family to Disneyland Florida smile

Chigley1 Fri 09-Aug-13 08:18:55

Hmm, I spend too much time planning what I'd do with a lottery win! Probably take children on their first holiday abroad, then replace battered car and save the rest as we are constantly one month away from financial disaster!

IncaAztec Fri 09-Aug-13 09:45:58

I'm a practical sort so I would probably pay off a chunk of our (hefty) mortgage with £20,000.

But if I didn't do that, well, I would go back to Hong Kong. I loved it there and would like to show my daughter. I have never managed to justify the cost of the flights to get there.

Then if we had some left over, back via India to see a good friend who has moved to Delhi. Then possibly onto Thailand....I think I would end up using it all on travel!

Keep £10k for ourselves and do a bit of work around the house - I would love a new bathroom or a bit of an extension onto the kitchen. Then split the other £10k around the family so everyone could take a holiday or spoil themselves with something - got to spread the love around!!

I would book a luxury family holiday abroad as myself and our three children have never been abroad so far, buy a new car, and put some away in a trust fund for our three boys for the future smile

Fillybuster Fri 09-Aug-13 10:56:54

Gosh....ok, since I'm daydreaming, I don't have to be sensible about it, right? I know that in reality it would go on house renovations (urgent...but would swallow £20 with hardly a trace...) but in my little Fillyworld I would:

1. Buy some lovely sparkly jewellery (without feeling remotely guilty...that's not going to happen in real life for a long time...)
2. A new wardrobe for me, dh and the dcs
3. Horse-riding lesons for me and the dds (I'm nearly 40 and still dreaming of this...)
4. Matilda tickets for all the family and some great gig tickets for me and dh (for example, I've always wanted to see the Rolling Stones but coudn't justify upwards of £200 on the Hyde Park gigs...that sort of thing)
5. Dinner, an overnight stay and the cookery course at Le Manoir with dh; dinner at the Fat Duck with the wine flight; a spa stay at the Grove with my dm and dsis and a dinner with friends at the Oak Rooms.

hmm...I think I may have just blown the budget....grin

SweetLuckyPig Fri 09-Aug-13 11:06:39

I would go on a dream holiday.

Pay off our debts, and spend the rest on treats!! Something we don't have much of these days.

hermancakedestroyer Fri 09-Aug-13 11:40:31

If I was to win 20,000 pounds from the National lottery I would definately purchase a campervan to take my family away on lots of lovely beach and surfing holidays. wine

dahville Fri 09-Aug-13 12:52:13

1/2 into accounts for the boys and the remainder towards a trip to Canada to visit family.

I'd get DH to buy me a new wedding ring, since I lost 5st last year the original fits my index finger!
Then I'd get my ebook made into a real print book, with an embossed leather cover and parchment pages.
I'd use the rest to start up an arty-crafty-community hub to kickstart some proper regeneration in my town centre, as currently the charity shops/pound shops/pawn shops are sucking the soul out of the community, and there are lots of highly creative people just looking for an outlet and a market for their skills.

capecath Fri 09-Aug-13 13:33:59

I'd finish doing up our flat, have a family holiday in a log cabin in the lake district, give some to a special place on my heart, Teen Ranch Scotland, and then save the rest for the kids, and especially for them to do more weekly activities, like sports and music lessons.

Raffers13 Fri 09-Aug-13 13:34:33

I've always wanted to fly 1st class!
Holiday of a life time with family would be lovely.

edam Fri 09-Aug-13 13:48:55

I went to Gordon Ramsey Chelsea once (on someone else's money). ds now says he wants to be a chef, so I'd love to go back, and take family and friends.

With the leftovers (apologies for the awful pun, couldn't resist), I'd take ds on a luxury trip to Geneva to see the Cern super-collider - something we've wanted to do for ages but am looking at mega-cheap day trip with budget airline getting up at hideous o'clock. I could get my Mum along if I had loads of money - her mobility's not good and she doesn't do cheap, so first/business class and a 4 star hotel would be good for her.

Babycarmen Fri 09-Aug-13 16:03:03

Pay off debts, holiday, some new clothes etc, decorate the house, new(er) car, we could finally get married! And if there was any left it would be put aside to save for a deposit for a house.

ritagcabrita Fri 09-Aug-13 17:28:59

I would book a week in Madagascar for hubby, dear daughter aged 9 and baby aged 5 months and invest the rest of the money in a zip wire and skate park for the kids in East Timor, where hubby comes from.

clucky80 Fri 09-Aug-13 17:36:40

I would:

- donate some to the 2 amazing hospitals that have saved my life and enabled me to have my son and another baby on the way smile
- pay for my mum and dad to have an amazing holiday to say thank you for all that they do for us.
- get a fab declutterer to clear my house of junk and clutter - this person will be so brilliant that they won't have to keep asking me what to do with things they will just 'know'. They will also eBay all of the things I don't need and bring the rest to the charity shop/tip.
- after the decluttering I will have a team of cleaners in to make my house sparkle.
- if there is any left I would keep some for a lovely holiday and save the rest!

StainlessSteelCat Fri 09-Aug-13 17:42:23

new car, second hand. replaster, new flooring in hall and back room. pay off sets (including tax credit over payment bollocks), clear overdraft.

any left? ideally holiday, or some new clothes, PC, curtains, God it goes fast!

CheeryCherry Fri 09-Aug-13 17:49:23

I'd spend it on a newer car for both myself and DH, and divide the rest up between the 5 of us. What a treat that would be!

WhyIRayLiotta Fri 09-Aug-13 17:49:57

I could daydream for hours over the tiniest details if how I'd spend it! I won't bore you with that though!

Basically - most of it would go on our dream wedding. We would have it in Paris. Small chuch service With friends and family there, then a boat tour of the Seine followed by dinner, drinks and dancing till the wee hours. And an amazing photographer to capture every minute.

We'd pay off all our debts (credit cards etc - sadly it wont help much on the mortgage!) and keep a small amount of it in our savings account for a few treats now and again.

I know it sounds a bit boring but DH was out of work for 9 months a while back and it left us in a little bit of financial mess (mortgage arrears, debt management etc) and if we had £20,000 it would free us from that lead weight hanging around our necks. We could live debt free and have a life...smile

Jptb Fri 09-Aug-13 18:41:00

IVF. If we get lucky first time, the rest would go on decorating the house, and a new bathroom.

MadMonkeys Fri 09-Aug-13 18:48:03

Replace the car, put some away in the dc's accounts then have a lovely holiday without having to scrimp - to the Western Isles, or maybe Norway. Or Italy. And if there was enough left over I'd have some new carpets, ours are pretty manky.

JakeBullet Fri 09-Aug-13 18:49:25

I would simply buy a cheap but new car and use the rest to fund transport costs over the next 10 years. I am a Carer for my son who is autistic and my car cost me £250 on eBay...it is very old but currently running well. I live in fear of it packing up because it is my life line and I cannot afford to replace it.

The senior school my son will attend is not the closest but will definitely be the best for meeting his needs.....it is not on a bus route from me so I will have to use my car to get him there. I just need it to get me through the next 6-10 years (a big ask of it I know lol) so yes...£20k would come n very handy indeed.

GaryBuseysTeeth Fri 09-Aug-13 18:52:16

I'd be boring & put it on the mortgage & give some to charity.

DH would buy a new motorbike & do his masters (and get me some shiny things).

DS1 would want £20k worth of biscuits.

So we'll have to combine the three wishes somehow...

Breezy1985 Fri 09-Aug-13 18:53:49

I'd learn to drive and buy a car, I'd also take the DC abroad, as none of us have been abroad before.

PenguinSalute Fri 09-Aug-13 20:07:25

I'd split it between paying off all personal debts...the relief of being debt free would be just immense, and use the rest to start saving for a house deposit.

polosareverynice Fri 09-Aug-13 20:10:57

that'd be enough to clear all our debts and have a nice uk break somewhere and even have some left for a rainy day
grin

tinypumpkin Fri 09-Aug-13 20:17:41

Buy a 'new' car for DH. I mean 'new' to us, his is feeling very sorry for itself! I would save some to helps the DCs when they are older (half). I would also spend some on a holiday but that would still be pretty frugal. I am trying to stretch this fictional money. A girl can dream can't she ...

BoysWillGrow Fri 09-Aug-13 20:34:53

i would take dp and the dc travelling whilst they're young, new furniture through out our house. Maybe add an extra bedroom, new car so much i could do really.

RichPetunia Fri 09-Aug-13 21:14:01

I'd make donations to the Salvation Army and Zimbabwe's Children; pay off a good chunk of my daughter's debt; same for partner; then pay for a cracking good holidaysmile.

crazykat Fri 09-Aug-13 21:20:27

I'd learn to drive and get a car, keep some for emergencies and send my mum on her last holiday before she loses her fight with cancer. A

Punkatheart Fri 09-Aug-13 21:41:02

A mundane spend would be a new kitchen. But a more adventurous one would be to travel to Romania and work with the wolf conservation project there.

In reality I would treat my daughter. It's been a rubbish two years.

Moonstorm Fri 09-Aug-13 23:04:08

Boring, but I would put it straight on the mortgage to help get a little nearer to paying it off.

pussinwellyboots Fri 09-Aug-13 23:14:26

I'd do boring things like making the house nice as rectifying the diy disasters that the previous owners left! Also would spend some on a trip of a lifetime to Malawi to enable the kids to spend time in a different culture and to work with a charity my aunt oversees.

loopyloou Fri 09-Aug-13 23:23:20

I would pay off some debt, then take my family on holiday, because my dh lost his job in June and we haven't been away and I would love to take my daughter abroad. I would use the rest to cover the time until my dh finds new work and save any left over.

DelayedActionMouseMaker Fri 09-Aug-13 23:27:03

Spend 7.5k on my business, and the remainder towards our house deposit fund, which thanks to the crap interest rates is small and stagnant!

magentastardust Sat 10-Aug-13 00:00:34

A holiday , driving lessons and some bills! Not very exciting , but exciting to us and enough to make a difference!

anniealan Sat 10-Aug-13 00:09:45

I would sit my driving test in an intensive course and buy a car book a family holiday and what's left put towards a deposit for a house.

BlackeyedSusan Sat 10-Aug-13 01:22:02

possibly a new car. the old one is, well old.

deposit for a house. get out of this flat.

possibly go on a holiday.. nothing extravagant. uk based. but in the summer holidays when I can't afford it normally!

LackaDAISYcal Sat 10-Aug-13 03:15:06

I would renovate my very old and tired house; our wiring is probably dangerous, the flat roof to the extension is leaking and we need some "me" space for our almost, but not quite, teen DS. Oh, and several of the double glazed units are filled with condensation, so some new windows.

And I might have enough left ovewr for a new handbag for me, and a parker shadow wave vintage fountain pen for DH.

And a bag of Haribo for the DC if there's owt left over from all that lot grin

LackaDAISYcal Sat 10-Aug-13 03:16:36

Oh and I would be more impressed if one MNer were to win the actual £20k grin

I'd use it to get our cellar converted.

MrsHoarder Sat 10-Aug-13 04:50:22

Its not a life-changing sum of money: I'd use it to pay a chunk of the mortgage off so we can move to a nicer house sooner.

SmilingandWaving Sat 10-Aug-13 07:51:51

If we won £20000 right now we would pay for our wedding (£4000), pay off my overdraft (£2000), buy a newer car (£3000), do up the house with a new kitchen & bathroom (£5000). Then the remaining £6000ish we would use for a holiday and then divide what was left between our savings & DS's. Not that I've thought about it a lot or anything blush

Bumpincharge Sat 10-Aug-13 08:07:37

I'd put a conservatory on the back, or have the most amazing holiday to Disney with out LO - 1st class all the way

Bearandcub Sat 10-Aug-13 11:14:58

£20,000 Hmmm.

Deposit for a mortgage, help pay removal costs to relocate to an area with a better commute and a chance of getting into the local schools.

And some spare change for a batman action figure for DS1 and a Thomas the tank engine toy for DS2.

Jux Sat 10-Aug-13 11:34:00

Of course, if it were millions instead of mere grin thousands, I would do something really interesting!

babster Sat 10-Aug-13 11:38:27

I'd get a new(er) car with a proper seat belt in the middle rather than a lap belt, and do up the bathroom.

Bluecarrot Sat 10-Aug-13 11:46:00

I would put £3k aside to pay for another Habitat for Humanity trip once bump is born and up a bit.

The rest would probably be given to DP to plan the big wedding/honeymoon he wants for us.

farrowandbawl Sat 10-Aug-13 12:02:31

£20,000 would change our lives.

I would learn to drive and buy a car so I can take the kids out. DS has SN and isn't the easiest person to control on public transport. It's getting harder and harder to take him out but will never qualify for a blue badge. We could go to more places a lot easier. Shopping would be a doddle and save a fortune in taxis. I could get a job that still allows me to be back in time after he's finished school. It would mean that I could get to his school in an emergency and not rely on a mate to do it.

It would just mean that I would get more independence, more freedom, more time.

The way things are at the moment, I just can't afford it.

If not the car, then it would be a huge chunk off UNI fees. It's a dream of mine to go to Uni.

If I was clever, I could get a bathroom, one that's not covered in mould, cracked tiles or leaks. There will still be enough for a car and driving lessons.

I'd love to take the kids away. We've never been away. They are desperate to go to New York, I can't afford the train fare to York at the moment, never mind anything else.

I think the biggest thing for me would be to get the passports renewed. New passports that dont have a massive reminder of what I've missed out on in the form of an expired visa to Aus. Exp is now there on his own. He went without us all, just before the expiry date so we couldn't get there.

£20,000 wouldn't be wasted. I would mean the world. Even a £250 voucher would make things easier.

Someone up thread said it isn't a life changing amount of money. It is. You have no idea just how much it is.

insanityscratching Sat 10-Aug-13 12:29:57

I'd probably do a whole family holiday and the rest I'd put into the rainy day fund tbh.
Dh would probably want to spend the rainy day fund money on renovating the garden though.

StepAwayFromTheEcclesCakes Sat 10-Aug-13 13:04:32

send Ds1 and 2 to University without having to take a student loan sad

£20000 wouldn't cover even one through uni, sadly.

farrowandbawl Sat 10-Aug-13 13:08:25

I was thinking that Remus - The course I want to do, i'm looking at 40,000 minimum.

StepAwayFromTheEcclesCakes Sat 10-Aug-13 16:38:50

yup you're right I was wishfully thinking it was 200,000 sigh. oh well new car it is then smile

We could share it and spend it all on wine to take our minds off the fees, maybe? smile

FairyJen Sat 10-Aug-13 16:47:42

Eat more than one meal every other day

farrowandbawl Sat 10-Aug-13 17:10:00

Pay the gas bill seeing as prices are going up again. sad

majjsu Sat 10-Aug-13 19:01:01

Ooh it would be fab. I would give some to our parents and siblings to enjoy. Would buy a pony for my little girl. Then a lovely holiday in Disney Paris.

MickleMe Sat 10-Aug-13 19:03:36

I'd use it to pay off debts and the remaining money would be the deposit towards a bigger house. I can dream grin

id give it all to dh so he can pay off our debts and put the rest in our "house deposit" account.

ldt87 Sat 10-Aug-13 19:23:10

I would use it all towards a house, we are desperate to own our own place but I cant see us being able to for a long time as it stands at the moment.

WitchOfEndor Sat 10-Aug-13 19:24:40

Spend £10,000 on a 3 week top notch, full throttle Disney experience in Florida and use the rest to over pay on the mortgage so we can have breathing space. All quite selfish really.

namechangeforthispost864269 Sat 10-Aug-13 19:29:20

Oh I've spent imaginary lottery wins many times!

I'd buy a camper van and do a tour of the south west coast of Australia (in a camper of course)

You could always give everyone who has posted 20k to prove that's how they really would spend the cash grin

mrscog Sat 10-Aug-13 19:29:23

Use it towards our next house purchase. 20k is the difference between moving into something we'll grow out of again and being able to buy something that will last the next 20 years.

StepAwayFromTheEcclesCakes Sat 10-Aug-13 20:46:32

god plan remus wine

ILoveMyCaravan Sat 10-Aug-13 21:34:52

Pay off debts.

Finish off renovating the house after thirteen very long years waiting for it to be done.

Have a family holiday abroad.

Kikibee Sat 10-Aug-13 21:38:10

Put it towards a swimming pool fund smile

VileWoman Sat 10-Aug-13 22:04:46

Abig chunk of it would go on a new car, ours is limping along at the moment. Then the rest would go toward a new kitchen with a Fab-u-lous oven.

MrsRachelLynde Sat 10-Aug-13 22:33:28

Twenty grand would just about clear our negative equity debts, with enough left over to treat me and dh to a tunnocks teacake each.

damppatchnot Sat 10-Aug-13 22:38:56

Take the children on a long awaited holiday and pay off bills. wink

RubySparks Sat 10-Aug-13 22:42:33

Either camper van or big holidays! Would like to go on safari in Africa and go to ComicCon in San Diego next summer, maybe both if camper van very very cheap..... Would like to do lots of summer festivals so camper van would be great for that.

sabretiggr Sat 10-Aug-13 22:45:12

Would love to get a eco-friendly car (well as eco-friendly as a car can be!). The running costs are usually really favourable and we love that the impact on the environment is so much less - but what makes it prohibitive for us is the initial buying cost. We always try to teach the kids to be more responsible and kinder to the environment yet it is hard to show that when it comes to driving - so that's what I'd do with 20K.

BigGapMum Sat 10-Aug-13 22:53:06

a) Have a beautiful new fitted kitchen

b) Recarpet the house

c) Take the family on holiday to somewhere exotic and exciting

d) Put some away for my sons' futures

e) Invest some in a pension for our retirement

f) Have the garden landscaped

g) Use it to retrain to start a new career or invest in a business

How many times can I spend this money?

Hopezibah Sat 10-Aug-13 22:53:16

We'd build a sensory room for our son! (and open it up for his other ASD friends to use too). Huge lack of resource for this locally and yet so many kids need it. Getting the right occupational therapy and sensory input can totally transform their lives so it would be worth every penny.

VirtuallyThere Sat 10-Aug-13 23:05:48

I would save half and spend half. Of the pot I'd spend I'd have a iMac computer to replace my chugging PC, a trip to Lapland to see Santa and put the rest towards a family holiday in San Francisco. I'd also give 100 - 200 pounds to a small voluntary group where it could make a difference/buy them something needed.

I'd pay £16k off my mortgage and use the other £4k for a lovely holiday smile

janx Sun 11-Aug-13 08:16:09

Deposit for a house so that ds and dd can finally have a bedroom of their own grin

confusedofengland Sun 11-Aug-13 12:43:17

I think I would split the money into a few different pots - one for house purchase/maintenance, one for credit card repayment, one for my DCS' future, one for a newer car & one for a holiday!

bigreddrum Sun 11-Aug-13 12:43:36

Some on a holiday, some on renovating our attic room (currently plaster and wall paper dropping of the walls), and the rest paying off overdrafts and saving…BORING.

bigreddrum Sun 11-Aug-13 12:43:43

Some on a holiday, some on renovating our attic room (currently plaster and wall paper dropping of the walls), and the rest paying off overdrafts and saving…BORING.

MillyMoo1113 Sun 11-Aug-13 13:02:53

Ooh, pay off debts, buy a car that I won't need to worry about repair bills on for a very long time, and a family holiday abroad....

Melawen Sun 11-Aug-13 13:05:36

I think I'd use it as a deposit for a bigger house. Failing that I'd put some into savings - some for DD's future and some for other savings. Have a nice holiday (ooh, I need a new passport!), and possible replace the windows in this house.

mignonette Sun 11-Aug-13 13:23:53

A year out travelling and living the USA. We'd maybe rent an old house in the Appalachians or in a town in the Deep South and live there for a while combining this with drives to other places we want to see in the USA.

Kids have grown up so could leave them at home.

Snowyelephantshavewrinkles Sun 11-Aug-13 13:26:51

I would spend some of it to pay for a house. Oh and a nice holiday.

With £20 000 I'd try to convince DH that we should get a mortgage and stop renting.
Failing that, I'd get a bigger car and save the rest.

Steffanoid Sun 11-Aug-13 13:40:17

I would take my family and my dps family so 23 of is in total away on holiday somewhere fancy all expenses and spend the remaining on treats for my dp and ds

haggisandneeps Sun 11-Aug-13 13:41:52

Buy my daughter her much wanted special needs trike (that would take care of £2400 of the money)

Buy a 3 piece suite that wasn't second hand for the first time in my life (About £1000? I've no idea how much one would even cost!)

Give the kids the Christmas they have always dreamt of for 2013 (proper tree, stockings, lots of yummy treats etc)

Go on a family holiday in the UK somewhere just to get away from it all for a wee while.

Some new clothes for the kids (instead of charity shop/car boot sale/hand me downs)

I would also buy a second hand car for myself that would be a little younger than the 12 year old car I have just now and a bit more reliable and a lot more economical to run!

Any left would go in an account for a rainy day.

What a fab question! I've enjoyed spending my imaginary money grin

FOMOphobic Sun 11-Aug-13 13:46:24

I'd probably take 10K off the mortgage, 8K for a caribbean holiday and 2K kept and frittered away on a few nice treats/days out over the following months.

BringOn2014 Sun 11-Aug-13 13:55:15

Oooh, I could spend about 5k doing up the house, new flooring, lots of new wallpaper, paint, curtains.
2k to pay off credit cards/overdraft/loan from family
2k to get all 4 of us new clothes and shoes and special treats for us all to enjoy as a family.
5k in savings
1k in our rent account so were not left with fees next time tenants don't pay on time angry
The last 5k towards a new car. Would love a Touran, would definitely be second hand!

Indith Sun 11-Aug-13 13:58:32

£20K

Well I'm currently a student and all our savings are vanishing on childcare with very generous support from family to pay part of our childcare costs so £20k would mean we could manage to do it without accepting more help.

Very boring I know but that's pretty much it!

I think we'd probably take a little bit and go to France too to see my grandmother who is in her 90s and who I cannot afford to see often at all. It has been over a year since I last saw her and the thought of not making it out there again before she passes away kills me so if we had the money we'd go. She was very poorly recently and I renewed my expired passport so I could go at the drop of a hat. Thankfully not needed that time but we really are at the point that the next time could be the last.

Debzarella Sun 11-Aug-13 14:08:57

We would use it to get the bits we need for our new baby, due in December, and take our daughter away on holiday as we haven't been able to afford to before. The remainder would be saved for the girls for when they are older to kick start their futures &#55357;&#56842;

partystress Sun 11-Aug-13 14:11:04

Trip to Australia for Christmas to visit niece and watch the Ashes and get some sun. Rest to top up saving fund for DCs' first car/Uni which we had to raid to finish doing up kitchen blush.

Mmmmmm

20k

MMMMMMMMMMMMMM smile

would sort out the boring stuff ie pay off the credit card, get ahead with the bills, pay for next years holiday that we are undecided about. then, sort out the 1 room in our house that keeps being bumped down the list of things to do!! Anything left would go into the rainy day fund, it would be lovely to have some money sitting aside for emergencies

elmarpen Sun 11-Aug-13 14:36:58

Would split in 3 parts of 10k,5k and 5k

10k for savings towards a house and a new car

5k for a visit back home to see DH's family who are yet to meet our DD

and the other 5k for a visit back to my home country so DH and DD can get to know my roots

I'd treat my family to a lovely break away, theres 10 of us so we didnt have holidays abroad when we were kids! An now we some of us have our own children it would be lovely to go together.

Greydog Sun 11-Aug-13 14:50:28

give some to my son and his girlfriend so they can pay their wedding. No on second thoughts pay for it! And have a holiday that DH and I can enjoy to celebrate our silver wedding anniversary next year!

ducklady Sun 11-Aug-13 14:54:16

Ii would pay some bills off, then treat us to a nice holiday because I have a heart condtion and I am making the most of life.

i would buy a good second hand car with 5k, a nice motorbike for dp with another 5k, take my family on holiday to disneyland with 5k, as its dd1's (as and adhd) ultimate dream to go to disneyland to meet buzz lightyear. (of course the rest of us would love it too, and we have never been abroad) and spend the other 5k getting my business on its feet. simples.

DifferentNow Sun 11-Aug-13 15:14:12

Either take our 5 DC to Disney in Florida or buy the bigger car we need.

MothershipG Sun 11-Aug-13 15:19:02

Have a kitchen with the wow! factor. grin

Bespoke kitchen to make the best use of every cm of space, glass splashbacks, fancy feature extractor fan, serious range cooker, built-in bean-to-cup coffee machine...I'm salivating at the thought of it!

lolapops1 Sun 11-Aug-13 15:34:04

I would absolutely love to pay off a chunk off our mortgage. We have struggled the last year or so with various deaths in the family,being made redundant just after going back from maternity leave and our child being ill for months.
It would be great to not to have to worry about bills for a while and then we could do some fun family stuff and just enjoy our time together.

Allthingspretty Sun 11-Aug-13 16:07:15

round the world trip
chanel bag
house

MissStrawberry Sun 11-Aug-13 16:09:19

I would take DD to the biggest book shop we have near by and see if she can find a book she hasn't read and buy as many as she wanted. DS1 and 2 would get a certain amount to spend. At least half would be saved and we would also use it to finish the jobs in the house and garden. I would also buy a good chunk of the local animals rescue's wish list.

MissStrawberry Sun 11-Aug-13 16:17:18

I would also buy DD a marimba and get new flooring for the lounge and dining room. Then I would buy a certain baby some more clothes and keep some for randomly helping out MNters who are in need of a pick me up treat.

Thisvehicleisreversing Sun 11-Aug-13 16:47:32

To be able to buy our own home would be amazing. £20,000 would be a decent deposit.

Or I could just buy loads of chocolate grin

MonstersDontCry Sun 11-Aug-13 16:56:47

Towards a house definitely!

Mumrose Sun 11-Aug-13 16:59:19

Half of it would go to a college fund for DS
Rest for a family trip to America with lots of shopping smile

bumpandbeyond Sun 11-Aug-13 17:27:29

I would donate £20,000 to ageuk - a charity organisation that looks after old people. With the winter soon upon us and the cost of heating and bills set to rise again, I would like to see the money going to help the elderly live in warmth and comfort.

asuwere Sun 11-Aug-13 17:32:23

I know it sounds dull but I would probably pay off a big chunk of my mortgage.

littlemonkeychops Sun 11-Aug-13 18:13:28

Oooo, £20k!

Hmmm, torn between a holiday of a lifetime to disney, or a 2nd hand VW Transporter if webhave a 3rd DC.

In reality i'd probably be dull and save it or put it in the mortgage.

Visadiva Sun 11-Aug-13 18:17:19

I'd hire a top of the range motor home and drive round America till my money ran out!

boatclub Sun 11-Aug-13 18:35:40

I'd pay off my £7k debt, spend £5k on a new secondhand car, keep £3k in savings and spend the rest on a holiday for the whole family.

do my house up and a little holiday for me and the dc.

creamteas Sun 11-Aug-13 18:53:41

Half off the mortgage, a bit to charity and the rest on a fantastic holiday to South America/Asia.

Galapagos and Amazon boat trip, coming home via Indonesian to see Komondo Dragons in the wild.

billybear Sun 11-Aug-13 19:10:23

total make over on our back garden, and a luxury holiday

PickleFish Sun 11-Aug-13 19:19:55

Would add it to my house-deposit fund, where it still wouldn't be enough.

Or I'd buy a musical instrument that I've long wanted, which costs a fortune, and sign up for regular lessons.

Lovescourgettes Sun 11-Aug-13 19:24:00

I would put it towards a loft conversion so both our little girls could have their own lovely bedroom rather than the smallest one being shoehorned into the box room .

weaseleyes Sun 11-Aug-13 19:36:54

Debts plus getting someone in to do the repairs and chores I can't face doing myself. Bliss.

Squirrelface Sun 11-Aug-13 19:50:28

Finish all the jobs that need to be completed on our house - there are more than I like to admit.

Howstricks Sun 11-Aug-13 20:00:34

Very sensible and probably not terribly interesting. I would pay off our debts. That does mean, however, that i would sleep better and feel lighter of spirit...priceless smile

lottietiger Sun 11-Aug-13 20:04:17

There is a small area of woodland for sale near us. I would love to buy it so that so my son can build dens & treehouses with hubby & we can camp out in summer.

AGnu Sun 11-Aug-13 20:17:12

It would probably be a big debate between doing up the house & paying off some of the mortgage. Mortgage would probably win, unless we could find a savings option with a higher interest rate than the mortgage. If we managed to reduce the mortgage we'd increase our donations to the charities we support, regularly pay a little into savings for the DC & start saving up to sort the house out!

bluebump Sun 11-Aug-13 20:27:21

I would find a better car than mine, which wouldn't be remotely hard at all. I want to weep when I think I am going to have to go through another winter with my unrealiable crap car.

I would also use the money to improve my home. I have limited funds to pay for nice new things that I desperately need like carpets and a new sofa.

The rest I would put either put in savings or pay off some of the mortgage and maybe treat myself and my DS to a holiday.

I would finally finish the house off from an extension that the building work was finished on over 7 years ago. Half painted kitchen, smooth plastered but unpainted hallway walls. Chipboard (yes chipboard) floor in the kitchen my nightmare would become my dream. Any left over would take my girls to Disney land florida some thing they would love but we have never managed to justify the expense.

WholeLottaRosie Sun 11-Aug-13 20:48:24

New kitchen and a few quid to a charity very close to my heart.

Assuming all debts were paid off I'd buy DH a campervan, a fixer upper for use on his days offer the DDs and I can get on with doing girly things without feeling guilty about leaving out DH.

In reality, DH and the DDs would probably spend their spare time tinkering with the campervan leaving me to do girly things myself smile

500internalerror Sun 11-Aug-13 20:57:31

A little extension, so ds has room for more than just a bed in his room! And a shower, as this would save us money in the long run.

However, if the extension cost more than that, I'd re think and put half away for emergencies and spend the other half on a shower, a holiday, decorating etc.

I'd also get a mobility scooter for my mum.

Spoil the kids (2yo and 3mo) book a holiday, buy passports for us all grin
Deposit on a house. Spoil DP and let him build his dream computer rig (he's a complete geek but I love it)
Buy myself a new laptop as it died last week. I'd probably have a bit left over, so would pop 2k in each of kid's bank accounts, and put the rest in a savings account.

KingJoffrey Sun 11-Aug-13 21:14:34

I'd use it to help myself get through university. I currently have to work two jobs so I can afford to study, it's a pain! I'd also take my parents on holiday because they deserve it after a really hard year.

poachedeggs Sun 11-Aug-13 21:43:50

Once I'd cleared my small debts I'd use it to fund a move to a house with more room for my children and a utility room and a SHED for our bikes so my kitchen can be just a kitchen, not a storeroom, playroom, office, garage, drying room, kennel and general dumping ground!

HongkongDreamer Sun 11-Aug-13 21:50:17

Deposit on flat
Interrail trip around europe
Fly to japan and explore
Road trip across america
Bungee jump
Go to disneyland
Think I might be stretching this 20,000 abitgrin

Biscuit81 Sun 11-Aug-13 21:57:19

Were are going to start TTC soon for our first child. I'd use it to change the car to something 5 door and more economical to run, redecorate the house as we haven't done anything in the 8 years we have lived here and use the rest for baby stuff/supporting us when I'm on maternity.

JeffActually Sun 11-Aug-13 22:04:58

Pay a bit more of the mortgage...then start looking for a bigger house!

I'd use it as a deposit for a larger house (with an extra bedroom) and a downpayment on a people carrier so that we can TTC our much wanted DC3.

HurricaneWyn Sun 11-Aug-13 22:14:48

I'd have the attic converted & sort out the back garden.

I'd also learn to drive & buy a cheap car to get around in.

Then with anything left we'd go on holiday - we've never had a family holiday with just us since we've had the DCs

is it awful that I want to cry a bit at the thought of this? I'd just pay off debts. I'd love a life where I don't have to think of all the debt all of the time.

tanfastic Sun 11-Aug-13 22:16:18

Pay off some debt, boring but vital !

Weekipper Sun 11-Aug-13 22:57:37

I'd be shocked to the core I'd actually won something then immediately book a holiday to NZ! I love the landscape and would love to show DD it.
After that I'd be sensible and pay off debts.

Cherrygrape Sun 11-Aug-13 23:24:15

Pay off debts, go on a family holiday ( probably spend 2000 on it) then put the rest off the mortgage... It's nice to dream smile

BoffinMum Sun 11-Aug-13 23:29:48

Go to Baltimore to the top hospital there and fix my mobility.

Tangfasticlady Sun 11-Aug-13 23:44:35

I would put it towards my uni fees, might save me from leaving with at least 50k of debt!

AllThatGlistens Mon 12-Aug-13 00:34:41

I'd clear off our outstanding debts and have a fantastic sensory garden designed and created for our Autistic DC.

A family holiday would be next on the list and the rest would go into the DCs savings.

StrangeGlue Mon 12-Aug-13 08:04:43

Aw so many conflicting thoughts. £20k would take a chunk off the mortgage. But I've always wanted to visit Japan so I might well hold back a chunk for that too. Then of course that would also pay for a new kitchen and/or bathroom which would be fab!

Or maybe a red Audi... I'd love a red Audi!

knickyknocks Mon 12-Aug-13 08:09:57

We've been redecorating our house room by room as and when we could afford it. I'd love to finish the house off completely - hall, living room and bathroom still to go and will take us years to afford and complete. With 20k we could get a company in to finish it all off within a couple of weeks. Bliss.

tootssweet Mon 12-Aug-13 08:17:07

So many ideas!
I think pay off debts would be our priority & a massive weight off our minds too.
Then pay the vet bills for our ddog who needs an op (which he will get but will erase our rainy day fundsad)
With the rest my practical head says do up the house so we can try to sell it but my extravagant head says
- take dd to see Matilda & Lion King
- buy ds a bike & some (more) toy cars
- get us all a passport so that we can actually leave the country
- go on a special full of memories holiday where DP might actually relax for the first time in years

tootssweet Mon 12-Aug-13 08:18:20

Oh and if possible (being greedy now!) I would love a massage & some physio for my back & shoulder

melliebobs Mon 12-Aug-13 08:22:55

The state this house is in £20k wouldn't go far!

Not very inspiring but I'd get the kitchen and bathroom done grin

LadyFlumpalot Mon 12-Aug-13 08:22:58

5k would go straight into a rainy day fund.
7k would pay off our debts.
5k would pay for our wedding (don't want fancy fancy). The rest would go on the DC and treats for us all.

i'd get proper testing and prognosis of the carcinoma found in my breast lobes which the nhs says they won't investigate till i'm 40 due to the rules. if risks were high i'd pay for a double mastectomy and reconstruction.

i'd pay to see a consultant about the recurrent pre cancer cells on my cervix and get to have a proper conversation about what the prognosis is when it keeps coming back and if it seemed wisest i'd pay to have a hysterectomy.

whatever was left i'd hide in a hole in the garden ready for the next crisis grin

not very exciting but god would it put my mind at ease and possibly save my life.

honestly health problems and dealing with nhs funding rules are the first things that have actually made me wish i was more materialistic and had a wad of cash.

OneLittleToddleTerror Mon 12-Aug-13 08:44:47

I've got so many things I'd like to do that I don't know what I'll do with it!

I'd like to give DD a private education, but I don't think £20k is enough. I'd need to hit the jackpot and win the big price!

I guess I'll settle for something smaller grin. We can go for a 2-3 months road trip around NZ and Australia. We should have some change from this so the rest can be put aside to buy ourselves a new car.

dolallymum Mon 12-Aug-13 09:03:57

I would:
•buy some new clothes as none of mine fit
•use some of it towards doing our house up
•mini break
•put the rest into savings

avelte Mon 12-Aug-13 09:10:18

i would love a trip around the world with my family...my fantasy is China,the food the people ,the culture,the latest development in the country...would be amazing

AndHarry Mon 12-Aug-13 09:19:39

I'd use it to cover childcare costs so I could go back to university and complete my degree.

BustyDeLaGhetto Mon 12-Aug-13 10:02:17

I would book the first available flight to Mexico and sit in the sun until I looked like a leather walnut. I would learn to tango, make out with a hairy Mexican and sit in a hammock till my eyrs blurred.

Pay off some small debts, finally do my driving lessons and buy myself a nice little car smile

boo97 Mon 12-Aug-13 11:30:33

I would use it to pay off my debts. That would enable me to start saving for my daughter to go to university.

THERhubarb Mon 12-Aug-13 11:34:08

£20k? Well I must admit I am a careful saver. I would top up all our ISAs first of all and put some aside in a savings account which serves as mine and dh's pension pot since neither of us have any pension provisions.

I would then rip out the old council house kitchen we've had since we moved in here and get a lovely new one put in. I reckon that would be £10k gone. Then I would put £5k towards the mortgage and the rest of the money would be used on a lovely family holiday, a trip to visit my dad in the Orkneys and some new clothes for us all.

I'd make sure that £1k went to charity. There is a lovely charity called 3 Angels Nepal which rescues girls and women from sex trafficking, gives them life skills and an education and therefore gives them dreams of a future. They deserve a lovely donation smile

I would use the money to finish a loft conversion that has stalled due to lack of funds. I would install a shiny new family bathroom and the kitchen of my dreams to replace our manky old units

CrumblyMumbly Mon 12-Aug-13 12:12:39

My lovely Mum is in her seventies and is already worrying about the winter gas bill. I"d love to say here's enough money to keep you warm as toast all winter long. My partner is self employed and always worries about taking time off as he doesn't get paid. It would be lovely to have a family holiday with no stress about boring bills. Oh, and a first bike for my beautiful daughter's birthday next month too. One day...

WelliesandPyjamas Mon 12-Aug-13 12:17:46

£5k each in to savings accounts for the dc and the remaining £5k on a family holiday to the country I spent my teenage years in, cocktails included smile

QueenofallIsee Mon 12-Aug-13 12:28:39

I have 4 children & we are renting our forever house while trying to sell our other place and crossing all our fingers that we will save up enough and sell it in time to buy the rented place - this would mean that we could close the deal and buy our lovely home! It would be a miracle for us

jojane Mon 12-Aug-13 12:37:43

big holiday to florida, pay off loan and a lovely xmas for everyone

PixieBumbles Mon 12-Aug-13 12:44:02

I'd put some of it into savings, possibly 5k of it, and the rest would be the deposit on our first home smile. It would be nice to finally be in a position to be able to actually buy somewhere!

ClaimedByMe Mon 12-Aug-13 12:55:27

Pay off debts I see that's a common thing

Get mine and dps bedroom gutted, we haven't been able to afford it since moving in 7 years ago and the carpet is 30 years old, and finish other odd jobs in the house.

LaTrucha Mon 12-Aug-13 13:37:18

If I was being practical, most to pay off the mortgage, the rest to replace the ancient car.

If I was dreaming, a downpayment on a holiday house by the sea in Galicia big enough for us and our inlaws.

chocolateshoes Mon 12-Aug-13 14:30:54

well, DS (8) is desperate to go to India so I'd use £5,000 for a trip to the Golden Triangle. Would have to make sure we coincided with a festival as that is how he imagines India to be - festivals, parades, elephants....Then the rest would go towards the extension that we really want for our kitchen to give it more light and space and put a woodburner in, so we could spend most of our time in there. Didn't take me long to spend that, did it!

mrstalbear Mon 12-Aug-13 14:32:52

boring stuff, I would clear our debts and pay a chunk off the mortgage....

..or.... we could go back to Antigua where we got married and blow the lot on cocktails in the sea!!

KellyElly Mon 12-Aug-13 14:36:54

Pay off all my debts, take me and DD on a shopping spree and go on a lovely holiday.

afromom Mon 12-Aug-13 14:41:09

Deposit on a new house (we live in a flat with no garden - hate it!) new car (I need a new one!) and a holiday with DS and my parents to thank them for all of the lovely holidays they have taken us on! All gone in a couple of weeks I expect!

Gracelo Mon 12-Aug-13 14:59:40

I would buy a car, not new but newer than the one I have and the rest I would use to reduce the mortgage, boring I know.

petalsandstars Mon 12-Aug-13 15:00:31

I'd spend £15000 on a deposit for a bigger house as we are rapidly outgrowing ours, using the remainder to clear our last loan and hopefully have a nice holiday- maybe even take the dcs on a Disney cruise if it would stretch!

lolancurly Mon 12-Aug-13 15:12:43

My eldest son is 23 and getting married in October - he and his girlfriend are setting up home together after finishing university and trying to find jobs in marketing and illustration. It's a tough old world out there, and I would love to give them a lump of cash to buy a decent car to get to work reliably - not like their current old banger which is on it's way out. Meanwhile, back at home with his 6 and 12 year old little sisters, I would love to take them to Disney World - they are desperate to go and it would be the holiday of a lifetime!

stonesteps Mon 12-Aug-13 15:15:45

I would make my Grandparents retirement an amazing one.

tryingforsolong Mon 12-Aug-13 15:28:49

I have my list in my purse, it's been there now for three years.

IVF
Newer car
Skim over the horrendous artexing that covers the house
Tidy up the back garden
Shopping spree with my lovely sister and friends
Shed for my hubby

Babycarmen Mon 12-Aug-13 15:30:27

A car, holiday, shopping spree, buy all the things I see on pinterest :D And best of all... get married finally!!!

stephgr Mon 12-Aug-13 15:30:31

Go to the Maldives for 2 weeks and pay my mother-in-law to look after the children for 2 weeks whilst we're away. I'd use the remainder to take the children to Disney World at Christmas time.

Blatherskite Mon 12-Aug-13 15:31:12

We'd use it to move house. Poor old DD is squashed up in her little box room as it is and things will only get worse once she gets too big for her cot bed!

We did have the money saved but then the old, wooden window frames started falling to pieces so now we're back to square one but finding it impossible to save as everyday costs keep going up and up and up sad

If there were any left, we'd possibly have our first ever holiday abroad.

If I were spending it all on me, I'd have my wobbly tummy chopped off and my eyes lasered. I run 3-4-5 times a week but my stretched out tummy isn't budging at all!

supergreenuk Mon 12-Aug-13 15:32:19

I would have a bit of fun money and pay some off the mortgage with the rest.

RaisingMissDaisy Mon 12-Aug-13 15:38:29

I am counting the days to when my little one gets some nursery hours for free / starts going to school, as sad as it is to be wishing the time away, but the nursery fees are just crippling. I would use the £20,000 to get us through the next couple of years more comfortably, maybe without being constantly in the red.

MrsWeasley Mon 12-Aug-13 15:44:18

It would help pay for DS to go to uni, DD to have drama lessons/go to a drama group and DS2 wants a new Trombone smile

Ooh, I would spend a good chunk of it getting various "men" (or women!) round to tackle all the jobs we never get round to! - painting, fixing the lights and shower, decluttering, sorting out the garden.... would be brilliant to get it all blitzed!

Anything left after that I think would go into the OFRS emergency fund for next time a car/boiler/washing machine died... or into the kids' university/wedding/house funds!

MikeLitoris Mon 12-Aug-13 15:50:38

I would use it a deposit on a house. We wouldn't be able to save it without really going without.

I would like to blow it all on shopping and a big American road trip.

What a lovely thread.

I'd put £12,000 in an account for our 4 DSs so they could have £600 each year towards school trips when they're at secondary school. A luxury that would mean they'd have brilliant memories of having fun with their pals.

The remaining £8,000 I'd use to make us toasty and cosy by making the house a bit warmer for winter .... a new front door that I can't put my fingers around the edge and some double glazing.

NaturalBaby Mon 12-Aug-13 16:16:42

We've just moved into our dream home but it needs modernising including a new roof, double glazing, kitchen and bathroom. My dream is to have a bath I can fully submerge my 6ft frame in, DH's dream is to have a double garage with workshop where he can spend his evenings and weekends.

We would also love to take our 3 boys travelling to experience some of the things we loved to do before they came along (but can't afford now) - starting with a ski/snowboard holiday.

2old2beamum Mon 12-Aug-13 16:17:25

I would buy 2 super comfy wheelchairs for my 2 DC's in whacky colours and a bottle of bubbly

Bunnygotwhacked Mon 12-Aug-13 16:23:39

Oh i love playing this game
Sensibly I would get us sorted in a house hopefully our own but at this point i would be happy with renting then i would take us all on a proper holiday probably to London to see all the sights for at least 2 weeks I would give SiL some money and get myself to pass my test and get an old banger 20k would really be life changing for us

aristocat Mon 12-Aug-13 16:27:50

I would get a car and have a holiday for myself, DH and DCs.

aristocat Mon 12-Aug-13 16:28:51

I would get a car and have a holiday for myself, DH and DCs.

Waswondering Mon 12-Aug-13 17:07:19

Hmmm.

I would use £5k ish to go and visit bil and sil at their home in Canada, and meet our 3yo niece who we've only seen through Skype. We last saw her big brothers when they were 2 and 6 weeks respectively, so cousin time would be very precious.

Then I'd do our bedroom and bathroom, adding bespoke built in wardrobes against one wall.

The rest ... I'd put into an easy access account for wee impromptu trips that make family life fun, eg London or legoland or similar.

Oh to dream!

Solo Mon 12-Aug-13 17:17:08

<sigh> I would be able to sell up and buy a house with three bedrooms so that I could have my room and bed back! I currently have a 6 year old bed mate sad

GameSetAndMatch Mon 12-Aug-13 17:23:21

Buy a decent car for me and disabled child.ours is falling to bits and i wont be able to afford another one. (current one had 4 owners before us)

treat disabled child to a holiday weve never ever been able to have as i cant afford it being a fulltime carer for them, and having to rely on income support and stuff.

have a good break in a quiet place.

help someone similar in my situation have something nice.

have private knee surgery to replace both my knees as nhs wont do it as they say im too young yet im moving like a 1oo year old as it is.

take child to a decent tennis tournament as we cant afford it.

WithASpider Mon 12-Aug-13 17:24:04

Build our extension. There's 5 of us in a 2 bed house and since DH lost his high paying job in the crash we've been struggling. He luckily got a new job quite quickly, but the drop in pay was drastic.

DD1 is nearly 10 and needs to be in a different room to her brother!

A good holiday for us would probably take £2,000 then I'd probably decorate the house and new clothes for the kids and us, then with what was left I'd pay for us to go to all the Rockabilly weekenders next year, it would be great to have them all booked and paid for smile

Oh and dp just reminded me that i've always said that if i had the cash i'd do an intensive driving course and take my test and then get an automatic car big enough for us all smile

SnowyMouse Mon 12-Aug-13 17:40:00

To get a really decent electric wheelchair and a holiday.

Huffpot Mon 12-Aug-13 17:53:14

I'd love a trip home so all my family could meet my DC (niw 4 & 5) and to take all my mummy friends on a cruise for a well deserved break and save what was left

rubycon Mon 12-Aug-13 18:09:02

I live in a non-standard built wooden hut, I'd have outside insulation, replace the hardboard inner walls for plasterboard and replace the lean to as its sinking and the doors are getting harder to open. Raise the sunroom roof so that people taller than 5ft 8" can stand upright in it without having to duck! Apart from that its a wonderful place to live!

SillyTilly123 Mon 12-Aug-13 18:38:11

I would absolutely love to take my kids and nan to Disneyland Florida. I reckon it'd cost about £5000? and then another £2000? for spends. Then after paying my debts, i'd use the rest on buying myself some decent clothes. For some reason i'm always last on the list when it comes to buying clothes, and by the time its my turn, the kids need new shoes again, so the list starts again <sigh>

I most likely would use it on Home and financial maintenance, upgrades, and better adaptions around the home would be the top priority, and then more cushion in the account and savings, then splash out on the kids. Or maybe as a down payment to a better adapted house.

I would like to spend it on wild trip(s), go to a dark park and maybe bring some of my family over here for a visit, and something massive for the kids and the family. I would also want to spend some on body/medical care me and DH.

Funnily enough ds (7) and I were discussing this the other day. I said maybe we could go to Florida. He shot me down in flames with a withering look and said he'd rather go to Italy and Herculaneum. I think we have overdone the English Heritage trips lately grin

I would want a holiday but the rest would be sensibly spent on a new bathroom and kitchen.

Hawkmoth Mon 12-Aug-13 19:23:11

Deposit and renovations on a house, would finally get us out of renting.

vincenta Mon 12-Aug-13 19:32:15

At the moment we are saving for deposit to buy our own home. It is so hard and sometimes looks impossible to get on property ladder. Especially when you live in London and renting prices are sky high. That's why if I would be lucky winner of 19k I would use it to get mortgage and buy house.Also I would buy fish tank with tropical fishes in new bigger house there at last would be space for fishtank.

BoyMeetsWorld Mon 12-Aug-13 19:35:06

Hmmm, I'd put an extra 20k towards upgrading us to a bigger house in preparation for Baby 2. DH, however, would probably rather blow the lot on a jet ski smile

Nerfmother Mon 12-Aug-13 19:37:46

I'd pay for us to go to see my sister and nephews and bil in the Caribbean. Haven't seen her in years as its too expensive and even flights are beyond is for six people grin

minimumeffort Mon 12-Aug-13 20:16:14

I would use it to buy a car so I wasn't always sharing one with dh!

timidviper Mon 12-Aug-13 20:23:31

Well we have just been told that our house needs a new roof, it is over 100 years old so has not done too badly. The first quote we have had is £16k so I would have that done then split anything left over into 5 equal parts for DH, me, DS, DD and charity or a good cause. Just thinking about it makes me happy! smile

zimbamummy Mon 12-Aug-13 20:36:54

I'd create a 'Fun Fund' to do loads of fun things with my two small DS which would hopefully last a while so things like going to the seaside, sailing when they're a bit older, sporting events, music festivals, art classes, nice restaurants; basically given them as many different experiences as possible.

zimbamummy Mon 12-Aug-13 20:39:02

Giving!

Whirliwig72 Mon 12-Aug-13 20:51:17

I'd unleash some of my pinterest decorating ideas including a bright and beautiful playroom for my boys and a luxurious and tranquil master bedroom from which all children, toys, and general daily detritus would be banned! smile Failing that I'd buy a bright yellow Aga!

deepbreath Mon 12-Aug-13 20:51:50

I'd get a basic new bathroom fitted plus a couple of new floorboards... new kitchen ceiling (current one looks like a hammock due to state of aforementioned old bathroom!) Maybe a new back door. I'd also hopefully have enough left to buy dd a trike as she is disabled and something nice for ds too. Poor dh will have to make do with admiring the new bathroom like me!

bessie26 Mon 12-Aug-13 20:57:44

I'd put it towards an extension - another bedroom & a playroom/den for the kids. Dull, but I would love to be able to clear my dining room of toys and actually use it to eat in again!

Manchesterhistorygirl Mon 12-Aug-13 21:13:02

Put half in the mortgage and half on a new kitchen from ikea. I miss my ikea kitchen in my old house. hmm

Cheekybubbles Mon 12-Aug-13 21:24:53

Would love to pay off all our debts and be able to take my family over to Australia to see my brother. He's only seen DD (10 months) when she was just born and if we could surprise him with a visit it would be amazing!

I would extend my kitchen, and make it into a family room, as right now it is the smallest room in our home and impossible to socialise or celebrate family in.

wibblyjelly Mon 12-Aug-13 22:03:30

Deposit for a house, with maybe a bit aside for a holiday grin

canuck43 Mon 12-Aug-13 22:06:29

A trip to see son and family in America, long time since we saw them, its a long story.

TheBakeryQueen Mon 12-Aug-13 22:10:32

I would (boringly) save it, towards a deposit for a much needed 4 bedroomed house.

Lioninthesun Mon 12-Aug-13 22:36:21

I'd buy a new boiler before winter so we have heating. Then I would spend some on driving lessons for me, taking the theory and practical exams and a new car. I'd also love a new pair of Converse grin and DD would love a wendy house for the garden.

Alohomora Mon 12-Aug-13 23:05:06

We have been looking for the perfect house for a while now - we're renting privately at the moment and it is a lovely old house with high ceilings and lots and lots of damp. Last winter was basically one big long fight against mould and when we move we'll probably have to bin half our furniture because we'll never get rid of the smell.

So, yes, £20,000 would be the deposit on a lovely house for us, our dog, two cats and - hopefully in the next year - a dc.

VestaCurry Tue 13-Aug-13 02:00:32

Both my young boys want to go to Lake Garda (we have never visited, so we think they may have seen something on tv or read about it). I'd love to take them there and to Rome, Naples and Pompeii. So that would be an expensive but brilliant holiday.

I'd also like to hire a big cottage over the Christmas break so me, my sis and my brother, plus all our kids could get together and enjoy the festive season in style.

Do some home improvements, our kitchen needs updating.

Then put £2K into ISA's for boys.

jellyandcake Tue 13-Aug-13 06:28:33

Have a second baby and take a full year of maternity leave! Would also pay off a lingering credit card and loan. I often dream about this!

Schumann Tue 13-Aug-13 06:50:31

We'd use it to help us move. Currently pregnant with twins (DC 3&4) so current house no longer big enough!

Chocoflakes Tue 13-Aug-13 07:59:33

I would like to put half towards debts(I know it should be all of it!)
Then half of that towards saving for a deposit for a house.
The remaining 5, 000 treating the children to new clothes and a break away for my husband and me.

Kjeram Tue 13-Aug-13 08:32:47

I would take another year off work and extend my maternity leave!

MrsBartlet Tue 13-Aug-13 08:36:44

I would use it for dd for university. She is starting sixth form this year and how we are going to pay fro university is very much on my mind!

Tallyra Tue 13-Aug-13 09:36:29

I'd use it to build an extension on the house, increasing the toilets to two - 1 is definitely not enough in our house!!!

prakattack Tue 13-Aug-13 09:50:46

I think I'd have to balance my sensible side and my "what-the-hell" side. I'd put half against the mortgage to hopefully make moving to a bigger house a more realistic possibility and then splash the rest on an amazing holiday and some smaller clothes shopping sprees for us all - buy something that's not in the Tesco or Matalan sale for a change!

TheHuffAndPuffALot Tue 13-Aug-13 10:08:04

The first thing I would do is pay off some debts, then pay for a holiday. I would like to celebrate my 40th birthday with all my family and friends and then save whatever's left over to make life a little easier.

Giddypants Tue 13-Aug-13 10:13:51

I'd use it to put towards some house adaptations, so DS can access the whole of the house

daimbardiva Tue 13-Aug-13 10:14:34

I'd use it to finish our house extension so DH can have some time to spend with us, and we can all stop living on a building site!

MissElodie Tue 13-Aug-13 12:31:41

This is what I think I would do....

4k second hand family car that can actually fit us all in, 5k for us to finally get married, 1k things that need doing around house (that probably won't go too far), 2k for a family holiday, 1k for family treats, 7k debts and savings.

hawkeye21 Tue 13-Aug-13 12:32:39

Not very imaginative, but it would go towards moving house. Dc2 has arrived and the current one is suddenly a bit too small.

Neena28 Tue 13-Aug-13 15:20:49

Not exciting either really...would be a new car (well a year or so old one, new to me) a holiday and a bit to charity, I think however much I won I'd have to donate some to a better cause than my wallet for my consciences sake.

Bonkerz Tue 13-Aug-13 15:34:53

I would replace my windows, have my electrics re done (very old and dodgy) and re carpet upstairs and down and treat us all to a lovely holiday and an 8 sweater car!

yourcruisedirector Tue 13-Aug-13 15:42:29

I would spend around £12K decorating and improving our new forever-home, which hasn't been decorated since 1982! My toddler would have a beautifully decorated circus-bedroom with a circus canopy bed. And it would be brilliant to be able to install a new kitchen and bathroom to make it all whizzy and light.

I'd put some aside to ensure that we can take our child on loads of fun UK trips over the next few years (money will be tight because of the house) to museums and farm parks and the beach.

And finally, I'd love to take a family break together with the last £5K and we'd take our child to New Zealand to show her all of our favourite places and do some hiking and travelling.

RabbitsarenotHares Tue 13-Aug-13 15:48:46

If I had 20k I could use it as a hosue deposit and then I'd be able to apply for a small mortgage to buy the house we're currently renting. We've done so much to the place, been there 7 years and totally remodelled the garden (with LL's permision), redecorated etc and it is my home. I'd love to be able to buy it for myself, and for DP who has done most of the work on it. I live with the constant fear at the back of my mind that our LL will ring up one day and say he's selling up, and there'll be nothing we can do about it.

SilverOldie Tue 13-Aug-13 16:34:04

I would buy a new super duper computer; I'm disabled and retired and the computer keeps me in touch with the world.

Update my kitchen which desperately needs it and pay for a chauffeur driven car to take me to visit my best friend who I haven't seen for several years as neither of us now has a car. I would also buy a mobility scooter so I can zoom to places where I currently have to take a taxi.

If there's any left over I would save it for a rainy day and who doesn't have those.

EricNorthmansFangbanger Tue 13-Aug-13 17:07:36

We need a good second hand car, have my test coming up soon, so we'd spend some on that. That would be a life changer in itself - a car would do so much for us. We need some external doors replacing and the porch roof repairing. We also need a fence in the front and back gardens. We have a few debts to pay and would probably use some to make our back garden habitable, as it's a jungle at the moment. If we had any left then we'd put the remainder into savings, but I doubt we would have much left after all that.

mumofboyo Tue 13-Aug-13 17:33:25

Pay off our debts
Get someone in to decorate the house top to bottom
Get someone in to do something with the garden
Get 2 cars that actually work
Have a child free weekend away
Save some for a rainy day

DoubleMum Tue 13-Aug-13 17:48:24

Use half to put toward the mortgage, and the other half to take my sister and parents on a cruise to the Fjords. Heaven.

LauraChant Tue 13-Aug-13 18:06:15

I wouldn't work for a year (I am freelance so I wouldn't lose my job!) and spend the time attempting to write a book. Or, more likely, would do something to the house. Get the weird back room converted into a downstairs shower or something.

Tyranasaurus Tue 13-Aug-13 19:21:57

Use it to do the house up

Turnipvontrapp Tue 13-Aug-13 22:09:07

Round the world adventure for my family, stopping at Vancouver, Australia, New Zealand, Mount Everest base camp, Alderney and Rome.

lagoonhaze Tue 13-Aug-13 23:23:47

Road trip and see how long it lasted

lovestogarden Wed 14-Aug-13 10:30:42

I would go to China. Always wanted to go there! Or buy a new car as ours is on its last legs/wheels.

jenni75 Wed 14-Aug-13 11:00:03

I would clear any outstanding debts, buy a small run a round, and upgrade things round the house, like telly, cooker and washer!

IsItWishfulThinking Wed 14-Aug-13 11:09:30

I would fill an isa, buy a wardrobe of clothes for myself (instead of dd and dp, have about 3 things for myselfconfused) and finish all the jobs that need doing on the house.
The rest I'd put in a second account and use to support us a I'm a SAHM and this could be my 'wage' for a bit.

We would move to Abruzzo finally.

workingmumto1 Wed 14-Aug-13 13:41:05

I would spend it paying off the loan that DH and I got to pay for our wedding, so we can relax a bit more as we try for our second DC. I'd also take DH and DD for a weekend away smile

Sparklesandglitter Wed 14-Aug-13 13:41:58

I would use the money to finish our house as it has been a work in progress for 2 years!! I would also have a holiday if there was any money left over smile practical rather than frivolous grin

Pink01 Wed 14-Aug-13 13:42:45

I would definitely get our laundry room made into a downstairs bathroom, this would finally stop the game of musical toilet we all play every morning!!

Then I would get the house painted, buy the children a playhouse and save anything left over smile

BellaVida Wed 14-Aug-13 13:48:32

I would replace the living room carpet and buy some drawers and storage for the children's rooms. We haven't decorated since we moved in, so that would be good. Then I would pay off the loan and put the rest in the bank for the future.

Not terribly exciting I know, but it would make a big difference!

Clear debts and a new kitchen. I have a fridge that the door is on upside down with no light, and just 2 rings working on my gas hob.

elizaco Wed 14-Aug-13 16:19:00

I'd spend £5,000 of it on a fantastic family holiday, and the rest I'd save - pretty boring I'm afraid!

Buswanker Wed 14-Aug-13 16:34:22

I would use it for a deposit for a house big enough for all of us instead of all being squashed into our house with not enough rooms and storage.
In my mind my dream house is an idyllic rural house with huge garden with chickens, somewhere to grow vegetables - like the Darling Buds Of May Larkin house.

I would use some of the money to make myself look like a young Catherine Zeta-Jones rather than Ma Larkin, although Ma Larkin was also beautiful.

Treat my parents to something lovely because I only realised how much they do for me now I have children.

MrsJohnDeere Wed 14-Aug-13 16:56:59

Put into my moving house deposit fund.

<boring>

Totally boring, but would pay off some more of our mortgage. That way, we'd be a little bit closer to <relative> financial freedom.

katatonic Wed 14-Aug-13 17:04:14

Message withdrawn at poster's request.

DoItTooJulia Wed 14-Aug-13 17:08:50

Build a swimming pool in the garden!

But then i Would have to buy a £40k every year for life scratch card to maintain it!

HappyJoyful Wed 14-Aug-13 17:12:33

Pay for a cycle of IVF to use up our remaining frosties, a holiday and pay off the debt to free us from the worry and stresses of life !!!

ilikesweetpeas Wed 14-Aug-13 17:17:40

I would spend it on IVF, we would so love to have a baby. Then with what was left after our (obviously successful) treatment I would fund a cycle for a couple in a similar postion to us in the hope that their dreams would come true too

Milchardo Wed 14-Aug-13 17:18:19

Clear my debts (£3000) and put the rest aside to pay for me to train as a counsellor.

lovesmellingthecoffee Wed 14-Aug-13 17:30:31

So many things-
an art studio in the back garden with a fab sound system
A camper van
soft top mini with personalised number plate
Family guided tour of the USA/China
Fuck off diamond ring
But in reality would put it into kids college fund.(well maybe would do the mini with out the number plate as could justify that and save the rest)

NorthernFlower Wed 14-Aug-13 17:48:58

I would be very boring and pay off my debts. After that, I'd buy a new car (nothing fancy) and treat my children to some new clothes.

androbbob Wed 14-Aug-13 18:19:41

I would split into four. First portion to pay off debts. Second portion to put towards holidays for the next two years. The third portion for work to the house, shoes and clothes for everyone in the house. The final portion would but into savings for the future.

Sensible options yes, but fantasy would be to splurge it on a shiney nearly new car!

JS06 Wed 14-Aug-13 18:43:50

I'd split the money over 10 years and add an extra £2K per annum to our holiday budget so that we could either stay in a swankier hotel or go further afield a little or treat ourselves while we were away.

This comes from years of just having to make do on holiday, I've often wondered why we've come away when the accommodation isn't as spacious or as well appointed or as clean as home! I've often dreamt of living the high life, travelling in style, having a chauffeur, a translator who could take us to all of the out of the way places where the tourists don't congregate ............

A great initiative National Lottery!

lissieloo Wed 14-Aug-13 18:46:21

I would buy a car and pay for dh's driving lessons. And go on holiday.

snowymum12 Wed 14-Aug-13 19:53:23

A new bathroom, a trip to the ice hotel and a snazzy playhouse for my little girl!

Spottybra Wed 14-Aug-13 20:09:06

A holiday, set some aside for next holiday, do the house up with fresh paint and some new furniture, and employ someone to paint the ceilings. So thats probably £10,000. Get a landscape gardener to redesign the rear lawn area as i dont like it. Refence it too. Maybe redo the kitchen or part of it as the layout is wrong and i cant reach the top shelves, prob swap the sitting and dining rooms around (wiring for tv needs sorting out in the dining room before it can become the sitting room). Then save whatever is left. Or give it to a charity or local food bank. Oh, and an iPad all to myself that DH can't use as he's terrible at picking up viruses on our laptop. There wouldn't be any left would there? Oh, and I would pay my DM's mortgage off. That would be the very first thing. Then our holiday, then new furniture, then the ceilings.

Tubemole1 Wed 14-Aug-13 20:28:14

My windows are rotting, I need a new kitchen, would like a naice fitted bedroom and the flooring is cracking.

So a total refurb of my flat, really.

gloriafloria Wed 14-Aug-13 20:41:42

Would have to be a dream holiday for the family to Disney no expense spared with enough left to pay off bank loan and credit card. On the other hand my ds's bedroom needs redecorating and new bed so would do this first then splash out on a holiday.

serin Wed 14-Aug-13 21:46:29

I would buy a little plot of land nearby and make a wildflower meadow.

gazzalw Wed 14-Aug-13 22:05:08

Serin, love that your idea is so not related to day-to-day life..

My instinct would lead me to do something immediately practical with it, like pay down my US student loans and never hear from them again.

But ideally, I'd look into investment options - figure out what kind of a fund I could put it into and make it earn some money for me.

And very ideally, I'd use it to beef up a down payment - assuming we could sell the current house and still walk away with some money in our pockets - to get a bigger one with another bedroom and more storage space.

And if the house didn't work out, then I'd buy a nice car. smile

grassroots Thu 15-Aug-13 11:44:16

Would absolutely love to go on holiday. DS is 5 and has never had a holiday....bit of a shortage of grandparents so he doesn't even get to go and stay with family. If we won £20,000 we could spend the next year planning a massive round-the-world trip and getting really excited. Then the very first day of the school holidays, that would be us off and away. I reckon we could buy round the world tickets, have loads of spending money and still come in under 10K. We could put the rest of the money into a savings account so that there would never be another year when we couldn't afford to go on holiday. It would be great. Sigh.

beeelaine Thu 15-Aug-13 12:09:44

mmmm been thinking and i think i would buy a campervan or caravan as we always holiday in the UK and it would be nice to have a bit of luxury rather than a tent, then i would treat the family to something nice they want and it would be nice to get some luxury food and not have to add up while round the supermarket

HorseyGirl1 Thu 15-Aug-13 12:11:20

Pay off the rest of the mortgage and use the rest to help buy a second-hand jeep and a fish supper for two with any pennies left over after that. My wants are simple!

skyeskyeskye Thu 15-Aug-13 12:27:03

I would love to pay £20K off my mortgage, but I have a friend getting married in the Carribean in 2015 and I would put aside enough money to go there, maybe £5K. I would also put another £5K aside for other holidays over the next few years and pay £10K off the mortgage.

So be sensible with half of it and treats with the other half

shivs1974 Thu 15-Aug-13 12:40:01

You know how they say you should have 6 mths salary in a "rainy day" fund - well I'd start one of those and put quite a bit in there.
With the rest I'd request some unpaid leave from work and use the money to do some "we'll never forget" type holidays - dh, dds on a trip round the Hebrides (we went on honeymoon to Skye & Mull), do DisneyWorld for the children
Any left over - well I'd buy a piano and start piano lessons for my dds and myself and I'd get rid of all my clothes and have a wardrobe restyle. Think that should do it.

Lent1l Thu 15-Aug-13 14:13:30

Hmm £20,000. Well paying off the car loan would seem sensible and would make things a little easier every month. The other thing to do would be to order the kitchen we had designed earleir this eyar but currently can not afford. We've spent the last three years doing up our first house and so far the kitchen has been neglected. Now we've almost completed the rest of the house it would be lovely to have a kitchen (seriously - we have no cupboards or work surface).

miserablemoo Thu 15-Aug-13 15:17:45

I would want to spend it on something that I would not regret a few years down the line as we would never have that amount of money ever again.
1) Clear debts so we could both sleep at night again!
2) Newer car (over 10 years old)
3) If anything left over it would go into savings for our children and we would treat close family to what they would like.

Not exciting but I would not have one single regret. I would also have to change my username on here as I would no longer be a miserable moo

dasteve Thu 15-Aug-13 19:51:10

I would spend it on a garden makeover, front and back. A summer house for my wife (she's always wanted one) and a new drive. If there was any left I'd hire a VW camper and take my wife and toddler on holiday, maybe round the Isle of White.

A new kitchen for me please. Previous owners refitted it on the cheap, with an awful layout. I just need to get rid of the carpet, move the back door, move the huge boiler ...

revolvenotevolve Thu 15-Aug-13 20:06:13

Campervan to trav round the UK with my husband and three young children - and a luxury break abroad for my poorly Mum and Dad .

algor Thu 15-Aug-13 20:19:45

Answer should be that I would put some into savings to replace all that we used up during my ds 6 month unemployment caper, put some towards the mortgage and splurge a little on replacing tired and worn items around the house. But as this is a "fantasy" win I think instead I should spend a great deal on me i.e. shoes, clothes, fabrics for sewing projects, champagnes & fine wines, dirty weekends with dh etc etc etc grin

algor Thu 15-Aug-13 20:20:41

Sorry should read DH unemployment, ds is only 12 !

I would put some into moving house, pay off a debt and with the rest give closest family and friends £1k each. Would have to spend some on travelling abroad to deliver money to in-laws personally! What a great way to surprise them!

I'd love to go away for Xmas. I've been in the same place for all but two years of my life and I think I might pop if I do it again. So I'd go somewhere exotic.

New bathroom, second car. Normal stuff.

FreeWee Thu 15-Aug-13 23:52:45

DH isn't earning for a year as he's going back to uni so £20k would cover our household bills for the year and mean we don't have to buy basics/value everything!

k8vincent Fri 16-Aug-13 08:26:53

Definitely a road trip around the States. Our dream holiday unlikely to be realised any time soon!
That would still leave plenty to give away.

filimou Fri 16-Aug-13 09:05:58

I really miss the family I have in Australia but cant really travel there with my DS for a few years, so, would pay for them to come here (thay are also dying to come over and see everyone).

PrincessYoni Fri 16-Aug-13 09:26:34

Firstly, I would list and, then arrange for al the outstanding work on our house to be done.

House looking lovely, we would then go on our first overseas holiday in 7 years and DD's first ever. I would take us somewhere sunny but not too hot with lots of things to do and explore.

I would then put the house on the market.

With the remaining money, I would make a donation to my local food bank as 11,000 children live in poverty in my area.

AnneEyhtMeyer Fri 16-Aug-13 09:38:10

I would:

- replace our hideous bathroom and en-suite

- make an overpayment to the mortgage

- pay for a course I want to do but have been putting off due to cost

- take the family away for a fun trip somewhere exciting - maybe Lapland

- take DD to Build-a-Bear and finally let her buy some clothes for her bunny

DumSpiroSpero Fri 16-Aug-13 16:28:27

Pay off debts, then it would be a toss up between upgrading the family car or putting it away for a dream holiday for my 40th in a couple of years.

iwantavuvezela Fri 16-Aug-13 16:34:19

As my family live abroad I would use the money to pay for a family vacation, for both my husbands parents, my mum, andvall our siblings andvthere children. I would hire a big house or villa somewhere in Europe, have that and all food and entertainment paid for. As we don't see our family much (perhaps every two years), this would be the best way for me to spend the money.

Lily311 Fri 16-Aug-13 18:43:28

Set up a reusable nappy business. I'm passionate and where I live currently there is a huge gap (abroad).

Wheresthecoffee Sat 17-Aug-13 18:49:42

A camper van and clear the debts!

SarahAndFuck Sat 17-Aug-13 19:54:49

Get the back garden sorted out a bit.

Buy a caravan.

Take DS to visit his cousins in Australia (but not in the caravan).

Donation to Bliss to fund a midwife to help premature babies and their families.

MrsHarford Sat 17-Aug-13 20:59:34

oooo ..... dream kitchen granite worktops and all :-)

AnneElliott Sat 17-Aug-13 21:03:28

I would put some of it towards a holiday in Disneyland and the rest towards the extension.

yoniwherethesundontshine Sat 17-Aug-13 21:59:37

try and use it to invest in stuff that will keep yielding, I don't know much about camping for instance but probably need to start as holidays are getting out of reach now, so I would invest in the best camping beds, tents roof rack, luggage thing for on top of the car, stoves, so we could go camping even though we are not really campers, or perhaps get an old VW camper and spruce her up, again so we could go away for years to come. I would also invest in a few pieces of real art.

A real painting on a wall brings to my mind the whole house to life. I would also buy for investment and inheritance purposes.

I would put money away for lots of holiday things for my DD's to try, like a weeks tennis camp, swimming, drama, so they could have a taste of lots of different things and have a few fun weeks.

I would give my dad a few bob, probably for a holiday too and a few things that need doing in his flat.

Finally if there was any left over after the good stuff....I would fix our sink, the knob keeps coming off when you turn it on, so I would replace the sink and get a flash tap.

oh yes and get a personal trainer in for a few months until i qas 9stone again

Doubtfuldaphne Sat 17-Aug-13 22:32:23

I would put some money in to each child's account, then go straight to town for a pair of very shiny and completely unpractical shoes.
All debts would be cleared and I would take my children straight back to the holiday park we have just come back from! My poor dd who is two, doesnt understand that the holiday's over and wakes me up every morning since, wearing her rubber ring and armbands ready for the early morning swim!

Theimpossiblegirl Sat 17-Aug-13 23:13:31

I would save £5000 for a rainy day and spend the rest on giving the house a revamp, a holiday and treats. £20,000 would go a long way if we were careful.

johnnyDrivingaShinyCar Sat 17-Aug-13 23:23:00

Well after my Rav4 test drive, I think I'd buy a Rav4 especially as my actual car seems so awful in comparison now sad

babySophieRose Sun 18-Aug-13 11:06:59

Save it for my LO university

Barbabeau Sun 18-Aug-13 11:46:57

Replacing our vintage kitchen and putting down wood floors. Leftover cash would go against the mortgage.

heartmoonshadow Sun 18-Aug-13 19:08:06

I would build a bedroom for our little girl now rather than later as she is sharing with her big brother until we have saved up!

AnneTwacky Sun 18-Aug-13 19:55:29

A nice new car and redecorate the house.

Ooh 20 grand! smile

I would be soo happy!

- buy myself a car and the year's insurance (new driver)
- get my front and back gardens sorted out so they are extremely low maintenance,
- build my DS who has autism a sensory dark den in the garden (no room inside our little rented house),
- go on a holiday - DS quite fancies Italy and I can't say I'd argue
- buy a dishwasher
- buy a new oven that you can fit a regular sized oven tray in
- get my bedroom completely redecorated including new bed and wardrobes
- decorate living room.

I reckon that would cover it! grin

BrevilleTron Sun 18-Aug-13 20:58:07

Half in an account for DD and remainder split between me and DH
I'd give mine to my sister cos I love her very much

eteo Sun 18-Aug-13 23:53:15

I love to go for holiday and buy lot of presents for my children.

awaywiththepixies Sun 18-Aug-13 23:54:42

Book a trip for my Dad to see the cricket somewhere hot and for my Mum to go away with her friends to stay in the Hunting Tower at Chatsworth.

mahalo Mon 19-Aug-13 00:20:11

I would donated half of the money to Young Minds - a mental health charity supporting young people with mental health issues. I have experienced my own mental health issues and am always looking for ways to fundraise to support charities that support young people and their families with their mental health.
The other half of the money I would use to support my own children in maintaining good mental and physical health. Rainy day walking clothes and boots, books and games and maybe even a ski holiday - fresh mountain air and snow angels...

orangina Mon 19-Aug-13 00:40:23

I would buy a fabulous piano. And hopefully have enough left over for a winter holiday for the family.....

(dreams)

MichelleMumsnet (MNHQ) Mon 19-Aug-13 09:22:13

Hi everyone, thanks for entering your thoughts to the thread. Congratulations to brightermornings who's won the prize draw! We'll be in touch shortly.

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