You've been saving all this time, and it's time to reward yourself, either by putting the money away for a future date, or by doing something that will make a difference to your life now.
DO
• Buy an easier future by putting it in a pension or other investment
• Buy some time by taking leave of absence from work
• Buy some quality time by getting a cleaner or going part-time
• Buy a career by paying for childcare, to allow you to go to work
• Buy a happy memory by taking the holiday of a lifetime
• Buy some comfort by improving your home or garden
• Get a good balance between investment and expenditure
DON'T
• Spend it on something invisible, such as an insurance policy
• Put it on a horse
• Invest in tulips
• Allow it to be gradually absorbed into your daily living expenses
• Buy or invest in anything without first doing your homework
• Buy anything from a salesperson cold-calling over the phone
• Buy a load of shares in your favourite football team