Hooray, you have some extra money each month to pay down debt! This 6-step process will help you decide how to use that money wisely to reach your financial goals.\nRead the transcript.\nCheck out all the Quick and Dirty Tips shows.\nSubscribe to the newsletter for regular updates.\nJoin the conversation on Facebook and Twitter.\nLinks:\n\thttps://www.quickanddirtytips.com/money-finance/loans/prepay-debts-plan\n\thttps://www.quickanddirtytips.com/podcasts\n\thttps://www.quickanddirtytips.com/subscribe\n\thttps://www.facebook.com/MoneyGirlQDT\n\thttps://twitter.com/LauraAdams