Many millennials feel anxiety toward their finances. They’re waiting to move out, get married, have children, and buy homes. Any major financial decision is often put off because many millennials are in significant debt over their student loans and possible mismanagement of finances; they do not want to add to that debt. If you’re in this situation, you probably feel overwhelmed by the amount of debt you have and how long it’ll take to pay off. However, this feeling doesn’t have to take over your life. Follow these steps to help yourself get on track and sort out your finances.

Create a plan (and budget)

Your first step to getting a better grip on your personal finances is creating a plan. You need to have a long-term financial plan to help you determine where your money should go. The first step to take is creating a budget and seeing how much money you have left over. Then, determine what will go into savings, how much extra you can put toward debts, and what you can invest.

Utilize technology

There are plenty of apps out there you can use to help with your financial goals. Consider downloading a budgeting app like Mint and using it to track your spending. You can also download lots of different apps to help with saving, such as Qapital or Digit. When you have to make payments, automate them so you don’t have to worry about late payments and fees.

Invest in yourself

When you have money left over after covering your necessities, use this money to invest in yourself. Put some in a savings account, invest in retirement, or find resources that help you further your career and education. Studies have shown that people gain more satisfaction from experiences than possessions, so use this wisdom.

Pay off debt

One of the first goals you make should be paying off debt. Put as much as you can toward paying down your debts. Consider starting with the loan that has the highest interest rate and pay off credit cards as soon as possible. Find out if you can consolidate your loans or enter programs that forgive debt. Any extra amount of money you have should go toward paying off your debt.

Find the best job

Another mistake many young adults make is taking the first full-time job with a decent salary they’re offered and then not looking for better opportunities. You’re young and can afford to switch companies and try out different career paths. If you find a better job, go for it and build up some side hustles at the same time.

Think before you spend

Many people subscribe to the mentality that it’s okay to treat themselves after they get paid or if they’ve had a tough week. Instead of buying new clothing or a latte, think about whether or not you actually need it. If you think you’re spending too much, cut back on how many times you go out a week and any extraneous subscriptions you have that you don’t really need.