Editor’s note: This is a transcript of the audio file.

When you find a twenty dollar bill while doing the laundry, don’t let it burn a hole in your pocket. Here are some money savvy suggestions on where to spend it. I’m Lucas Wysocki with your bankrate.com personal finance minute.

Instead of a short term splurge like coffee or a movie, here are a few suggestions that can have a long-lasting positive effect. One of the best buys for $20 is a window washing treatment that you can attach to your garden hose.

Simply having brighter rooms can improve your outlook and mood. If you’re always scrambling to find the right tool around the house, use your 20 dollar windfall to create a kit with electrical tape, a multi-tool screwdriver, and other tools you commonly need. If you love to cook, growing your own herbs can be rewarding and thrifty.

$20 can get you started with a few small pots, soil and seeds. Start with Basil, Rosemary, and Thyme. They are fragrant and are commonly used in recipes.

Finally, a good book, full of financial wisdom is never a poor choice. You can learn to save, invest, and create even more money to spend smartly. For more money saving tips, visit Bankrate.com, I’m Lucas Wysocki.