Do you wish to take advantage of the fall in property prices to upgrade your accommodation? Would you instead choose to:

• Work fewer hours, perhaps taking that long planned around the world trip without sacrificing any of your hard earned luxuries?
• Buy a share in a light aircraft and spend your free time souring free above the clouds?
• Join a fractional ownership scheme for a yacht?
• Pay off outstanding loans?

These are not mere idle day dreams. You really will have to decide what to do with your pay increase. Because it is guaranteed, you will know in advance exactly how much extra your take home pay will be each and every month, and can start thinking about what to do with it right now.