Easy.

Buy a second house outright and rent it out. The income from that would be about the same as I was earning last year working pt. I would then quit my full-time job or rather, drop down to 2 days a week in my job. That way I could enjoy being a mummy again, but still stay in the loop education-wise. We would look at paying off the mortgage we have on our house, but the penalties atm are huge, so we'd probably just start to overpay. We'd also use the money to extend the house this year rather than saving up to do that.

Then any money left over would go to charity, including our local church.

Before, I would have given money to family. But not at the moment (I'm selfish when it comes to people who have annoyed me). I suppose it depends how much we win. I certainly wouldn't be telling people unless it was millions - which would change those plans. But I'm thinking half a million would do all the above. And if I still worked, no-one need know what was going on.