Purely selfishly?
(1) Fix Mrs MRs shoulders via private healthcare, then a (2.) Specialized AWOL Evo and (2.5) Turbo for me, then (3) all the lightweight camping/bivvy kit money can buy, and then (4) a camper van with room on the roof for a (5) kayak so we can sod off in style whenever time allows. Lastly (6) - two years rental (or however long remaining funds cover) of studio space to get me back on schedule.
Done.
The alternative would be a buy a rental property as a 20 year pension plan.
This is what most of us probably would/should do
Fix Mrs MRs shoulders via private healthcare,
Actually on seeing this post I'd probably spend £25k on two knee ops & rehab and stop pontificating, the rest as above
Given that the current BoE base rate is so low an investment can outperform your mortgage... But anyway, I would buy land as well and let it appreciate in value
Unless Mrs Ed gets involved and just sends it on a load of stuff ...
Buy a smaller house with at least an acre attatched.
Plant a small wood, dig a pond and run a caravan CL.
This would have to be somewhere where I could encourage wildlife, especially more birdlife.
Garden big enough to grow my veg and fruit.
Get the attic converted (£20k) and probably invest the rest in pensions etc...
15k on this [img] 
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Then the rest on a kitchen like this
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I'd be moving house to somewhere bigger and closer to the country side.
I don't mind having a mortgage, it's part of life, just wish the mortgage got me more for the money!
£75,000 on the mortgage and £20,000 split between [url= http://www.oxfam.org.uk ]Oxfam[/url], [url= http://parrots.org ]WPT[/url], and [url= http://www.whizz-kidz.org.uk ]Whizz-kidz[/url] . What's that? it doesn't add up? Well I had to buy some new cycling things...
Mostly deposit on a house; I've got a reasonable salary but no deposit and saving is slow. Though, I'd spend a few grand on bikes, holidays, stuff for the family too.
I've always wanted to pay for some big sections of trail at my local forest. Complete a big loop they've had planned for years but never have the cash to do.
I'd spend a bit on a newish car and put the rest into a trust of some sort for the grandchildren.
Houses round here are pretty reasonable, so a good lump sum towards one, and a newer car would sort me out nicely.
30k would mint my house up Good and proper. I would then buy another smaller house to move into which, around here will be about 70k.
Then sell the first house, which is mortgage free, for 100k so I'm back where I started.
Get a static caravan for 15k, 10k aside for a few years site fees. Camper van for about another 15k which leaves 60k.
Dunno now. Probably just cut my hours down at work to only 3 days a week or so then ride and chill rest of week.
Simply pleasures in life 🙂
40k would clear our mortgage. I'd do that, 10k on the nicest S3 Lardrover I could find fit the cash, another 10k for a 205 gti 1.6 for the wife. The rest would pay for a nice round Europe trip with our caravan.
My mortgage isn't huge, I could pay it off, stick a decent chunk onto what I've already got saved for my pension, get a mate in to redo the kitchen and redecorate the house, and replace most of the old furniture*, meanwhile I'll keep working and I'll have enough every month to pay for a new car, and buy a well-specced Defender or Jimny for fun off-road and winter use, and be able to get away and explore more of the U.K. as well.
Investing in a small woodland plot might be fun, but not sure if I could really work it to its best advantage.
Other than that, 100k doesn't really go far enough for serious extravagance.
*Ikea scores highly here, not bothered about how fancy things are.
£1k on an enquiry agent to find ski's farmer £75k on the woodland and £24k on a fractionally less plush lodge.
Arbitrage. I like it crankboy
I'm going long on coke and will make a killing out of binners when he's loaded
I'd buy binners.
The remaining 99.5k wouldn't even touch the Greggs consumption in the first year
£1k on an enquiry agent to find ski's farmer £75k on the woodland and £24k on a fractionally less plush lodge.
Gazumping my dream, that's low, lol 😉
He does have another plot, but he is looking for 250k for that, that has river frontage!
So I guess, nerves of steel, roulette, two bets on red and bingo, dream is back on line .....
I'd move, to the countryside. Then a new caravan, budget one. Should be enough left over to organise a sabbatical from work and do the tour divide.
Maybe invest in a franchise
Terrible idea! Franchisors will squeeze every penny out of you. I don't think most franchises would exist if it weren't for the sub-minimum wage labour of the franchisees.
Loft conversion, maybe a deposit on flat for my sister, buy a new bike or at least some ridiculously expensive wheels, rest in the bank.
[i]Terrible idea! Franchisors will squeeze every penny out of you. I don't think most franchises would exist if it weren't for the sub-minimum wage labour of the franchisees.[/i]
Not to derail the dreaming thread, but how many franchises have you investigated to find out this information??
Take 6 months sabbatical off work to try and set up a business idea I've had for a while now.
As boring as its sounds I'd pay off the little bit of debt my Wife and I have £5k, buy her a newer car that she desperately needs maybe £5k, buy myself a new bike £3-5k depending how flash I was feeling that day and the rest would be a chunky £85k deposit on a house for us and the kids. It would mean longer-term financial security for us and increase our monthly disposable income by a good few hundred quid a month.
I'm in my mid 30's now, I've seen the world, done some crazy stuff and remember at least enough of it to tell some crazy stories and lots of big scars to show for it. Sadly I did it too long and now I wish I settled down a bit sooner and wouldn't be in a 'rent trap' now, still no regrets - one things for sure I know having cash in my pocket makes me happier than lots of toys these days.
The extension we planned when we moved here 5 years ago would cost circa £45k and we haven't a hope in hell of being able to afford it any other way so that would be first on the list.
A new (to me) car - nowt flash - £7k plus whatever mine is worth.
The rest would go towards the kids further education etc.
Buy a buy-to-let hovel n the grim north, charge the earth for rent.
An Alfa 3.2 V6, prob Brera and maybe 40,000 lottery tickets
Buy myself one of these 😀
Rocky Mountain Maiden World Cup (2016)
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Got my 50th coming up in 2017. Would plan a massive party bash here on the farm and invite everyone I have ever known. Stick up a huge marquee, get my mates band to play and a quality man on the decks to fill in, in between. Free bar, camping on site, party for the whole weekend 🙂
PS I would take out a loan if it cost any more
Get a camper van for adventures with my daughter.
Pay the mortgage off,then set up some sort of business. Definitely not yet another freaking bike shop in Malvern tho
Or, buy my parents a new kitchen and help my wife to start up her own business, and maybe pay for a part time conversion degree in building surveying.
20 punts on the AIM market and hopefully watch it grow.
I'd buy a really expensive watch...
I'd spend some of it (€30k?) on renovating the part of our Greek house that, at the minute, we can't afford to do. The rest we'd just use to make life a bit easier/enjoyable.
I'd buy a really expensive watch...
You wouldn't get to own it though, you'd only be looking after it. Like taking the school guinea pig home for the holidays.
[url= http://motorhomes.autotrader.co.uk/used-motorhomes/gulfstream/bounty-hunter/2009-gulfstream-bounty-hunter-diesel-mfpa-2c921a7a504c1cbb0150a7e92c66015a/motorhomeprice/80000/99999 ]http://motorhomes.autotrader.co.uk/used-motorhomes/gulfstream/bounty-hunter/2009-gulfstream-bounty-hunter-diesel-mfpa-2c921a7a504c1cbb0150a7e92c66015a/motorhomeprice/80000/99999[/url]
I'd put a chunk in my pension, another wad in a stocks & shares ISA, probably buy a vehicle with a towing capacity to match our new caravan we're getting in February, either a vw van or something like a discovery, pull my retirement forward a couple of years.
I don't really need anything so my 'spending' is a bit dull. Might buy some carbon wheels.
I'd buy a really expensive watch...
Buying a really expensive wris****ch would be ridiculously extravagant. So I'd buy 10,000 Casios.
That way I can have a new one every day of my life.
Pack my job in and get some blokes to do my loft conversion for me so i can ride my bike, climb and go to the gym. I'd also buy an Omega Flightmaster in mint condition.
I would reap my revenge on a few people...brings out small notepad.
Apart from obviously the mortgage/pension, I would probably look at taking a year off to visit those places I always wanted to visit but probably would never get a chance.
Buy a could e of houses in run down pars of Wales and set them up as B&B for bikers, model plan flyers and the like who like run down parts of the country.
Spruce my bike - new rear shock and 1x11 drivetrain.
Go travelling somewhere, probably two holidays - one with my bike and one with my girlfriend. Nothing too extravagant.
Fix all the annoying things on my car - aux input not working, fuel filler cap not staying shut and treat it to a good service.
Buy a watch - Omega Aqua Terra or Rolex Datejust.
The rest would be invested for kids/ pension/ a rainy day.
I'd be tempted to at least shop for a new Enduro Steed. I'd be curious to see how much of an improvement modern geometry would be over my Patriot.. if at all.
