My debt is well-controlled and planned for, so while I could pay it off and save myself some interest, and assuming I can’t just put it in savings or invest it, it’d probably be best spent catching up on non essentials.

Full spare set of tires for the car. Wardrobe stock-up. Extra fancy Christmas presents for friends and family, Some new appliances, or furniture, or computer hardware, maybe pick out a vacation spot and book a hotel stay I’d pre-pay for.