This section is a practical, step-by-step guide to organising your personal finances. It covers the key priorities most people should work through — emergency savings, debt, pensions, and investing — in a sensible order.
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What’s covered
The guide is structured around a widely-used personal finance priority order. Each section explains the why, links to authoritative resources, and shows you how to act on it in WealthMgr.
| Section | What it covers |
|---|---|
| The Flowchart | A visual summary of the priority order, from starter emergency fund to investing |
| Emergency Fund | How much to save, where to keep it, and why it comes first |
| Paying Off Debt | How to prioritise repayments and choose between avalanche and snowball strategies |
| Pension Basics | Employer matching, salary sacrifice, and pensions in your long-term plan |
| Investing | ISAs, index funds, and getting started once the foundations are in place |
Where to start
If you are new to personal finance, start with The Flowchart. It gives you a single-page decision path from your first savings step all the way to long-term investing.
UK focus, universal principles
The guide is written with UK personal finance in mind — referencing ISAs, salary sacrifice, and HMRC rules. The underlying principles (build a buffer, eliminate expensive debt, invest for the long term) apply broadly regardless of where you live.
For the most up-to-date UK-specific guidance, the r/UKPersonalFinance wiki is the community gold standard and the primary source for the flowchart used here.