The advance child tax credit payments started showing up in bank accounts yesterday (July 15). This income boost will no doubt make it easier for many Americans to put food on the table. Food insecurity is real, and while this is not a long-term solution (at least not yet), it can make a significant difference for many families struggling to feed their children and maintain a safe home.

But what about those who don’t need the money for everyday expenses?

Whether you’re a parent receiving the advance child tax credit payments or you’ve just received an inheritance, tax refund, or bonus, you might find yourself wondering just how to use some extra money.

There’s no one right answer for everyone. Here are a few ideas to get you started: