MissT... are you kidding? I suppose this over 10K is on top of all the allowances, and yet still you are struggling? You are living life to its fullest... and I believe its quite an enjoyable one.(How I wish too!) Anyways, its your money and as well as your discretion to spend... BTW, do you need a "Wealth Manager"? I am offering my services...for free!(And now am kidding!)

Be happy always MissT! :)