I found out about the Save to Win account with a monthly statement I got, and I thought 'What the heck, I'll sign up for it.' I thought it was just another savings account and didn't really realize you could actually win money.

I had only had the account for eight or nine months, and I got a call from the credit union president. At first, I thought something must be wrong and said, 'Oh my gosh, what happened?' He told me nothing was the matter, but that I had won a $10,000 prize. I was floored. I had never won anything like that before. It was so exciting.

My husband and I invested the money back into our house. We really needed to make some big renovations on our windows and flooring and were planning to do them anyway, but would have needed to take out a loan or something.

Once in a while, we buy Mega Millions tickets and think about how it would be a headache if we won, so this was almost better because $10,000 isn't enough that people are coming after you for money -- but it's a nice and realistic amount that you can use for something like upgrades on your house.