Welcome to the flowchart
This personal finance flowchart will help you navigate financial decisions, whether you're just starting out or looking to improve your current strategy.
While it provides a general framework, remember that everyone's financial situation is unique. Use this as a starting point and adapt the suggestions to your personal circumstances.
Disclaimer:
The flowchart is for information only — not advice — and the authors assume no liability for your actions. Always do your own research and make fully informed decisions.
This flowchart is based on the r/UKPersonalFinance Flowchart v3.0.9 (CC BY-NC-SA 4.0).
Foundation
Create a budget and check for support
Debt management
Handle debts and protect essentials
Safety net
Build emergency funds and protection
Set goals
Define and fund your financial goals
Debt freedom
Assess and manage remaining debts
Growth
Invest for long-term wealth building