Perhaps you received a modest tax refund or an unexpected gift. Or maybe you just happened to be walking down the street and saw a $100 bill flapping against the pavement, waiting to be claimed. (Hey, stranger things have happened.) Your first inclination might be to spend your newfound mini-fortune, rather than doing something responsible with that money — especially since $100 is hardly a life-changing amount.
But while $100 may not seem like a monumental sum, it can have a pretty significant long-term impact if you put it to good use. Here are five moves to consider.