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If you got given 3k unexpectedly

(77 Posts)
sunnysunchild Wed 14-Aug-19 16:48:48

Not via an inheritance or stolen or by any dodgy means grin
Through back pay you weren't expecting.
What would you do with it?
Spend it on yourself? On what?
Spend it on the family?
Save it?
Pay off your 3k credit card?
Or something else??

cokezerothehero Wed 14-Aug-19 16:50:35

Credit card in your position 🙈 but I'm boring and sensible

Wildorchidz Wed 14-Aug-19 16:51:27

Credit card.

ILiveInSalemsLot Wed 14-Aug-19 16:52:16

Definitely credit card

ButterflyOne1 Wed 14-Aug-19 16:52:27

If you have debt which isn't interest free then repay it first.

MyDcAreMarvel Wed 14-Aug-19 16:52:43

Mortgage overpayment.

Pipandmum Wed 14-Aug-19 16:53:03

School fees! Wondering how I’m going to come up with them next term as just paid taxes and annual insurance bill.

Alloftit Wed 14-Aug-19 16:53:07

Pay off CC debt. You’d be daft not to.

Hoghgyni Wed 14-Aug-19 16:54:08

Add it to the savings pit, but as it was unexpected, I would probably do something higher risk than pop it in the bank and buy some shares instead. Alternatively I would bung it in my pension.

Drabarni Wed 14-Aug-19 16:54:20

I'd buy some clothes, give a bit to kids, and treat myself. But I have no debts.
If I did the debt would have to go as I hate owing people.

Floralnomad Wed 14-Aug-19 16:54:31

If I had debt then I’d use it for that , if I didn’t I’d probably put it towards the soffits/ facias on the house .

sunnysunchild Wed 14-Aug-19 16:55:00

CC is managable and interest free..

LifeOfBox Wed 14-Aug-19 16:55:22

If I had a £3k credit card balance I would pay that off. If I didn’t I would have my big reception room redecorated with a new carpet and put whatever was left (expect it would be £1k ish) towards a holiday.

IncrediblySadToo Wed 14-Aug-19 16:56:04

If you have a credit card balance then I’d pay that off - you can always use it again 🤣

I’ve just spent that on coming to my favourite place in the world (only in Ftance, but it was all a last minute booking so it was all expensive!) but I don’t regret it one bit. However if I’d been sensible I wouldn’t have come and I’d have put it towards the house renovations, but you know 🤷🏻‍♀️That won’t mske me happy today or on my death bed!! 🤣

NoSquirrels Wed 14-Aug-19 16:57:10

Will you be able to pay off the 0% card before the rate ends?

If so, I’d book a holiday and spend some on carpets/sofas.

ILiveInSalemsLot Wed 14-Aug-19 16:57:57

I’d still pay off my debt even if it was manageable.
I’d then start saving instead of paying the debt.

heymammy Wed 14-Aug-19 16:58:09

I'd put it towards a new bathroom, no frills just a re-tile, replace suite and new vinyl floor. Don't have any credit to pay off and the school holidays are finished, or else I would have taken the kids abroad with it!

Jade218 Wed 14-Aug-19 17:31:31

A small credit card and a shopping spree! Probably treat myself to a new handbag

MrsElizabethShelby Wed 14-Aug-19 17:33:08

Pay off your credit card.

LittleAndOften Wed 14-Aug-19 17:34:06

Reduce your debt, every time.

Loopytiles Wed 14-Aug-19 17:34:35

Do you have any savings? If not, would bank the lot until had paid off the interest free credit card. Then keep in the bank as savings.

Loopytiles Wed 14-Aug-19 17:36:05

If already had adequate savings, would keep til credit card debt paid off, then spend on things for the family, eg home improvements, car repairs, holiday.

Nacreous Wed 14-Aug-19 17:36:37

If I had money on a CC I would pay it off.

I don't have money on a CC so I would probably use it to get new internal doors and the rest on a holiday maybe?

Grumpbum123 Wed 14-Aug-19 17:37:40

Pay off next account

3luckystars Wed 14-Aug-19 17:39:16

Spend a little, save a little and have fun with a little.

1000 credit card
1000 saved (a notice account that can't be touched)
1000 do something lovely, you earned the money.

Good luck.

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