Another WWYD with 10K

[TerrorAustralis]

I'll start by saying I know there's another thread on this, but my circumstances are quite different. I have a few ideas, but wondering if there's anything I haven't thought of.

I'm not in the UK, but I'm going to receive an inheritance equivalent to approximately £10K in the near future. My basic circumstances are self-employed, married, significant mortgage (but manageable). The house is generally fine, but there are long list of small improvements and maintenance that we want to do.

I have a retirement fund, but due to a couple of poor decisions, it's not as healthy as it should be. So I'm currently contributing extra into that to help make up for the 'lost years'. I will also have a milestone birthday this year.

There are no big ticket items I really want at the moment, so there are no 'treat yourself' items that come to mind.

My ideas for the money are:

• put into the mortgage
• put into my retirement fund
• pay for work around the house
• invest (most likely in an ETF)
• spend part of it on a birthday trip (I do not feel comfortable spending all the money on this)
• something else I haven't thought of...

What would you do in my circumstances?

Have you got instance access savings of about six months expenses and living costs ? I can’t see it mentioned.
That has to be a priority and I can’t imagine much change from £10k for most people.
Instant access account, with as high an interest rate as you can find, or Premium Bonds are good for this

DH and I have an account offset against the mortgage interest. Not sure if that's a thing in the UK. But there's enough in that account that we could live off it for 6 months, if needed.