If you do not have any needs and only wants, then use the money as you wish
. You can upgrade your electronics or take an extended overseas holiday. You can likely find a way to spend the money on just what you want for your birthday or Christmas. You also have the option of saving some of the PPI claim while also paying off debt, dealing with a few needs, and handling a particular want. Claim advisory groups are there to help you get the PPI money you deserve. You have the option of spending it, as you want.