What would you do with 700 pounds?

[Theblackdogagain]

I think I'm getting a tax rebate of 700 pounds, assuming i have Christmas covered for kids and husband and no debts what would you spend it on? I have savings and it will be adsorbed into normal day to day to costs unless I ring fence it for something.

Fun option - fancy meal or spa weekend with a best friend
Boring option - overpay mortgage or pension boost, or put in Junior Isa for a child.
Those saying invest in shares for a year are missing the point of investing in shares, you don't do it to see a return in a year, its a 10 yr+ strategy.

I've got 3 cats already but love that suggestion. I'm the kind of person that thinks 10 pounds is too much for an advent calendar so they idea of going crazy is interesting :-)

Lump it in savings.

Weekend at center parcs!

Take the kids back to Centre Parcs for a few nights. I miss the pancake house

Sorry to be boring but OP please just save it. Not the same instant gratification as a treat but things are getting more expensive all the time and in a few months time the car could break down or whatever and you could suddenly be so glad you have a little chunk of money so that your day to day finances or longer term saving for big projects isn't impacted.

Call it instant access savings. Contingency pot. Not necessarily saving for anything in particular just a day to day emergencies fund that means you can leave your longer term savings alone.

£700?

Festival or gig tickets

Give it all to the dog rescue the amount of abandoned dogs breaks my heart

I mean, this is the sensible option and I do recommend it. But there is something to be said for a splurge too - if you’re usually sensible it can be hard sometimes to always say no and things to look forward to, all paid for, have their own value.

I'd make an additional payment towards my NI contributions so I buy another year of my state pension. Or put it towards my private pension or overpay on mortgage.

I’d go blonde

£50 To both of my young adult nieces.
200 in premium bonds for my DD14
£300 for annual gym/pool membership.
£100 on a lovely pair of earrings from an Etsy shop.

When are you getting it still waiting on mine 😭 xx

Buy something you will look at and remember.

A painting? A vase? A tree?
Upgrade your pillows/duvet?

Bung a load of chocolate advent calendars in a food bank?

Save the rest.

I would probably put it in our British Gas account! Boring, but I would then luxuriate in putting the heating on at will over the winter.

Put it towards flights

I’d buy a gorgeous good quality winter jumper, some smarter trousers than I currently own, and out the rest in savings.

I would use it to go away for a long weekend somewhere nice in the UK, somewhere with Christmas markets, a cosy pub for a roast dinner. Edinburgh or somewhere near the north east coast.

Very, very boring but I'd keep hold of it in case of emergencies. Or put the heating on a bit more as a special treat! I might also get my hair cut and buy the coat I've been watching on Ebay.

I got £1000 in a premium bonds win years ago and I have it in a separate savings account. It brings me an unreasonable amount of joy to know that at some unspecified point in the future I can splurge on something outrageously decadent that I just want or want to do.

If its not needed for emergencies, then I'd get me some lovely winter boots and/or a nice bag. Then I'd be happy every time I used them. 😁 sod everyone else and enjoy it!

If that's something that wasn't expected to pay for anything, just buy something you really want?

A weekend away in early Spring.

I'd buy a really beautiful shed.