You’re down to zero on your home loan? Congratulations! You’ve finally done what many people dream of. Owning your own home outright is a great achievement, and once it’s paid off it’s important to work out a smart plan for how to use the money that used to go to your lender. Your first instinct might be to reward yourself and, after years of sacrifice and hard work, why not? But once you’ve taken your dream trip or splashed out on a new toy it’s wise to take more of a long-term view.