You'll probably tell me that you'll buy a house (if you don't already have one) or perhaps you'll pay off your mortgage and you'll possibly be able to clear all your debt.

Of course, you'll have to have a party to celebrate, and you might give a share of your winnings to family and friends.

$1 million won't go too far these days depending on how much debt you have to get rid of and what you want to buy.

But whatever you decide to do -- I'm sure the main focus will be to have fun (at least while the money lasts).

Now, imagine for a moment that you didn't win and you don't have $1 million.

For most of us, that isn't terribly hard to imagine - we're as close to having $1 million in the bank as we are to the moon.

(Although, did you know that in our working lifetimes we earn an average of $4 million each?)

So if we don't have all that money in ready cash, how do we have fun? Sitting here at my desk, I shudder to think what the answers will be.

And I'll bet that you're all thinking that just because I'm a Budget Bitch, I don't believe in fun.

But I do -- enormous loads of it -- and it doesn't have to cost a lot of money either.

For those of you who cannot imagine how to have fun without blowing the budget, and with school holidays just around the corner -- let me help with just a few ideas:

- A picnic in the park doesn't cost much, just some sandwiches and drinks, with perhaps a Frisbee or a bat and ball for amusement;

- A visit to the library -- there are heaps of great things to do there. I'm not going to tell you what they are, go find out for yourself;

- If you can't afford the cheap cinema prices on Tuesdays, hire a DVD and snuggle up on the couch;

- Kite-flying is great on a windy day. You can make them yourself and save even more money;

- Board games are a great investment and a lot of fun;

- Rent toys instead of buying them, or join a toy library;

- Go to the beach -- one of the most wonderfully entertaining places in the world is absolutely free. You can get almost the same buzz from sitting on the bank at Lake Hume;