I'd fill my Bank Accounts/ISA and those of my children, Sister (reluctantly) and give amounts to people that I know.
There's a few charities that I know I'd definitely give to, so just go ahead with that.
I'd buy holiday homes around the Country, including Scotland.
I'd have the money set aside for a new house for me and my children would as well.
I'd look for investments, so check out property auctions. I'd buy a camper van and a VW classic van for my DD.
Book in for dental implants. Tear trough fillers, lip plumping, fillers.
There's a few local causes, like schools wanting money for gardening projects, local community centres needing laptops, a sensory room for older children and Adults etc. I'd transfer funds whilst stopping for lunch.
I'd 'adopt' lots of children in the third world and old people, the charities for them are always on my FB. I'd give ten years up front. As well as the appeals for warm clothing for displaced people and in the Yemen etc.
It would be totally selfish, it's as much for the feel good factor, being charitable, whilst I'm having a rest.
I'm not the size I want to be so clothes shopping doesn't appeal. I'd rather go tech shopping.
I'd book two family holidays, out of term time, to go with my Grandchildren. One to pirate island and somewhere else that would suit all of us. Then I'd book Canada for December and Japan next year.
I'd probably get a takeaway with my youngest DD and really good wine. Do some online shopping for beauty gadgets and skincare, whilst mixing in going onto the charity that asks you to invest in a business in undeveloped countries and just checking them off, again purely selfish, it stops the guilt.