S.P.
The fact that you immediately think about your husband and child proves you are a really loving wife and mom - not the least bit "horrible"! Why not make your little windfall work for you AND your husband? Plan something really romantic - an overnight in a hotel, a special dinner out, a concert - whatever you two enjoy doing together (and that your little "windfall" allows). Use part of it for a babysitter, if there's no grandma around. And don't feel badly about spending the money on the grown-ups - the good feelings from your outing will wash over into your parenting and Emma will reap the benefits too.