My grandmother is going to go into care very soon and as a result, sell her house. Each of her four grandchildren are going to recieve £10,000 from the sale of the house to help kickstart ourselves - my cousin wants to move cities, another wants to buy a car and the last one is too young so she is going to have it in savings.
I am looking at going to university next September in Belgium as an expat, as I have both British and Irish citizenship. However, there is no guarantee I will go to university as it is my backup to getting a job. The problem is, I have no idea what to do with the money in the meantime as:
I live with my parents
I am under 18 (I'm 17)
I don't have any debt
I don't plan on learning to drive
I have limited options of where to invest/save the money due to my age
I don't currently have any savings as I spent it on things I needed when I was younger (new saxophone and clarinet)
How can I maximise my gains from the money while keeping it accessible in case I need it?