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The best way to prepare for one’s future is to start saving money early in life. Today’s millennials face several obstacles on their path to financial stability, including substantial college loans and an unsteady job market. In a recent study published on Forbes, it’s predicted that 30% of millennials would sell an organ to alleviate their debt for $30,000.

While many young people do not see financial planning as a feasible tool in their early careers, there are simple steps that making planning for the future manageable. Here are four tips that all millennials should consider implementing today.

1. Set Up A Savings Account (Or Two)

Whether you’re just starting out or are launching into your next career opportunity, the number one priority for achieving financial stability is creating an emergency fund. Savings accounts are critical to the health of your bank account and to all aspects of your life. They provide individuals with more flexibility, ease of mind, and most importantly, a nest egg of support for when life throws you a curveball. The easiest way to make this happen? Place a small amount of money from each paycheck directly into your bank account. In time, the fund will grow and offer a stronger net of support.

Once the safety fund is underway, millennials should consider opening up an IRA. This is a great way to prepare for long-term future.

2. Find Ways To Make Budgeting Fun

While creating a budget is not a novel idea; it will absolutely save you money each month. Tech-savvy millennials should capitalize on the inventive nature of online banking apps, like Mint. Mint make budgeting simple by linking the user’s bank account with their credit cards to provide a comprehensive outlook on their current financial state. The application also provides a wealth of tools to help users save money each month, like a free credit check and ways to achieve long-term savings goals. In addition, Mint users can set individual budgets for specific categories, like groceries or dining out. Once users exceed that budget, Mint will send them an alert. Online banking is a great way to stay on top of your money and budget more efficiently.

3. Invest In Yourself

Young millennials may feel under qualified to apply for jobs that offer a higher income, but by investing in themselves during their 20’s, they will be able to develop skills that will aid them in their future. Many local colleges or technical schools offer night or weekend classes or workshops. In addition, those looking to earn an additional income can look into secondary jobs. Bartending, babysitting, and freelancing are all excellent supplemental positions that offer flexibility and added income. These jobs may require long nights or weekend work, however, individuals will benefit from the added income and development of professional and creative skills.

4. Seek out Alternative Solutions

Finally, many young professionals crippled with student loans can often lessen their monthly payments or find alternative solutions to paying it off. Refinancing private loans may be a huge help in terms of monthly payments, and many startups are making the process easier and more attainable. Likewise, students with federal loans may also apply for restructuring their payments through the government. The internet offers a vast resource on ways to consolidate debt so young professionals can focus on saving and preparing for the future.

While saving and creating budgets may not be the most exciting activities for young professionals, these habits will offer benefits for years to come.