My stepdad's just taken early retirement at the age 54, and he's been given a sizable lump sum. So today, we went out for meal for my birthday, which is in a couple of days. I open the card to find a cheque for £4000! I was completely stunned.

Now, they've said that the money would be mine eventually anyway, and they just want me to enjoy it. Buy a new TV, Laptop and to piss it up if I chose to(I wouldn't), as well as go on a nice long holiday...

However they aren't aware of the hideous 7K that I owe on credit cards. They probably think I've got a couple of grand on em.

On the one hand I want reduce my debt, but on the other hand; how often are you given a sum of money with licence to do as you please?

Also I do have a farly decent job and the credit card repayments are managable, I don't struggle at all.

I'm in a bit of a quandry... Sorry if I sound like gloating twat. I'm not at all.