When you find you have some extra money in your pocket, you don’t want to use it merely to pad out your monthly budget, or let it slip away with a few thoughtless purchases. It puts you in mind of bigger goals.

You can think of even $1,000 as a chance to get a fresh start and do something new. That might be a timely financial investment, or an investment in yourself to start a new career or kick-start a passion project. You could begin a fitness program, spruce up your home, or update your tech set-up. Or just recharge with a memorable weekend getaway.

Here are 20 ideas for making a little surplus cash go a long way.

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