I would pay off my mortgage £50k
pay off debts £5k
Put an extension on my house £20k
Go on a family holiday £5k
Buy a car £15k
Keep £5k for a rainy day.
I did win £156k on the lottery when I was 21 (had 2 kids renting a house) we put £100k down on our house, bought a car, went on a few holidays, paid off a bit if debt and generally topped up our living for 4 years.
It's all gone and we've tacked up some debt but it have an amazing start in adult life. Our mortgage is under £300 a month and the only reason I can afford to start a salon was because we have a low mortgage.
I couldn't imagine having a £800+ mortgage!
Jemima