What would you spend the cash on if you were lucky enough to win the lottery?

There's probably no point thinking about it because the odds of it ever happening to you are tiny.

Apparently that doesn't matter. According to a recent survey, 96% of Scots have already planned what they'd spent their winnings on. To be fair, I have too.

Perhaps most surprisingly, the survey by global lottery site Lottoz revealed that half of Scottish lottery players would be happy with a win of no more than £200,000.

Only a quarter crave the kind of multi-million pound jackpots that regularly make headlines.

Generally, we just seem to want enough to make a few modest investments, pay off our debts and maybe go on a wee jaunt somewhere warm.

Here are the ten most popular (hypothetical) spends among Scots:

This was the winning option, with 43% saying they would prioritise buying property (which rises to 51% for people living in Glasgow).

Showering generosity on the people closest to their hearts was option number two, with 38% of Scots plumping for it.

This increased to 39% for people living in Edinburgh and was the city's most popular option.

Presumably they'll have had their tea, though.

A solid third (33%) would drag the children out of school for a trip to sunnier climes (or colder, if that's your thing). We all deserve a break sometimes.

Following closely on the family holiday's heels, 32% of Scots opted for investing in a new car in the event they won the lottery.

A sensible 29% say they would not splurge their money on new stuff but would use a lottery win to pay off their house.

Some people must have some pretty high credit card debt, because 27% of Scots say they would prioritise paying it off in the event they claimed a jackpot.

A total of 17% say they would first and foremost look to give their winnings to charity. You'd think more people would have been willing to lie to the pollsters.

Apparently only 17% think they would make going on a big shopping spree their first port of call if they won the lottery. Think again.

A group of noble, selfless Scots (comprising 15% of those surveyed) would take their cash and spend it on someone else. It's enough to make you weep.

Finally, 12% would choose to reward themselves for winning the lottery by turning their house into a building site for six months. But I'm sure it will look nice after.