We are wanting to do a trust fund for Jade & Alfie for when they are older, but we have decided against giving such a large amount of money to them at 18 or 21, so we are thinking along the lines of giving it to them when they want to either buy a car, house or get married, just so it doesn't get wasted and it goes towards making their life that much better one way or another!
But Tiff what a lovely pressie, but you do have to make sure you treat yourself with a little of it, I am sure your uncle would hate for you to get nothing at all out of it except only to pay debt off! x