If you got given 3k unexpectedly

[sunnysunchild]

Not via an inheritance or stolen or by any dodgy means
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??

Holiday! Every time.

Funnily enough I’ve been in exactly that position this year! It’s being spent on holidays to the sun. Had 2 so far since May and number 3 is booked 😁

Mortgage overpayment

Pay off credit card then put the rest toward the improvements my house needs.

Debt. BORING

If I was on track to pay the CC before the 0% ended then I’d be putting the money towards my 10K home improvement plan or my camper van fund. If I wasn’t on track to pay off the CC from normal budget before the 0% ended I would use the bonus to pay it/ shorten the term.

I would pay half the credit card off and spend the rest on a holiday. Best of both worlds then!

Get rid of my debt.

Save it.

100% Pay off debts - in your case likely credit card - and then destroy it.

Unless you can find an bond / shares / savings account that pays 18-29% APR (hint: you wont), paying off the debt is by far and away the best investment.

Pay off debt even if 0%. Don't live in debt.
Put in bank as top up to savings for future expected expenses (ds(15) driving lessons /insurance or uni)

Save it, But I am boring with money,

At the moment another log burner and some garden furniture

A car - really need to change mine.

Towards my car debt.

This happened to my brother. He was living on the continent and one month got £3k extra in his paycheck. He asked his boss and was told he received it because your wife has had a baby!!!!!! Apparently company policy, when my brother told his wife her response was appropriately “I’m the one who had the effing baby” and took the money for herself

Give it to DP.

Pay off the CC

Then stick the credit cards payment monthly amount in a savings account. Soon enough you have the 3K back to spend on a holiday. With no debt!

Pay off credit card

Pay off the debt or put it in savings.

What @MrsTerryPratchett said

A gastric balloon, or towards a fab holiday next summer for me and the children (single parent).
Two very different possibilities, I grant you!

I always try to do half and half in situations where I have more money than I thought: half to a debt or savings and half on something nice

In your circumstances I’d pay off the debt.

For me, I’d add most of it to the children’s savings and use a little for a treat.

£2k on debt since it's interest-free and then use the last £1k on a holiday or something you would enjoy.