Do we want the money to go there?
At this point we can take control of our finances. We are no longer dependent on money to acquire any quality of life, where our money goes is now dependent by our decisions. We choose to pay our fixed payments, partly because it is needed, but partly because we want to and because we can afford it. We make decisions about where our money is going.
Now it is easy to save or pay down debt because we control it. We find it easier to make ends meet because we choose whether our money will pay for one product or another. We choose whether to purchase selected products and services, whether we save our money, or if we pay our debts faster.