100k would pay for all the work we want to do to the house (update bathrooms, new heating system, move a non load bearing wall, update the kitchen and utility. Then the rest to overpay the mortgage at the end of the year.
Then our monthly mortgage costs would be lower, the heating costs would be lower, the house would be warmer (whoever did the kitchen left drafts everywhere) so I wouldn't get ill as often. Plus we'd be able to save more because no work needing doing any more so could continue to overpay the mortgage and still have some fun money for travel etc.
But the house is definitely first priority. Would be nice to press fast forward on our schemes.