Whether you want to save for retirement, your children’s college education, a house purchase or a dream vacation, you’ll need dedication and time. For many people, the temptation to spend money on things they want or need now, or the belief that saving a large sum of money is too difficult or impossible, keeps them from reaching their goals. Automatically transferring funds to separate accounts for long-term priorities can make saving easier.

If you’ve paid off your debt, you owe yourself a round of applause. It’s a rare feat, and one that should be celebrated—in moderation.

Now that you have extra money coming in each month, the first thing you’ll want to do is have a plan in place so that you don’t turn around and find yourself right back where you started.

Here are three things you can do with your money to set yourself up for continued success in the future: