I'd put it on the mortgage for a few months, until I figured out if I wanted the kitchen, bathroom or couch more, then I'd redraw the money for whichever one we were doing That way, you get to look around at your own pace, and wait for some bargains, and save a bit of interest on the mortgage as well.

the couch would be good for getting up in the middle of the night and breastfeeding...you need somewhere comfy

the kitchen...well, DH should be in there providing meals to keep my energy levels up for b/f

and the bathroom...well, who doesn't need a nice long soak in the bath tub? a newly designed bathroom just makes the view even more relaxing!

My day dream is to actually save some money this year and get a new kitchen! or solar hot water?