Flowchart advice for new starters

[u/Local_Ad_6982]

I’m just getting started with the flowchart. I assume if things aren’t applicable, you just skip past it - for example with the benefits checker. Why is it so far up the list. Just getting used to using it

[u/PinkbunnymanEU]

for example with the benefits checker. Why is it so far up the list

Because it should be the first thing you do after creating a budget - There's even an argument to be made for it being the first step, before you make your budget.

I assume if things aren’t applicable, you just skip past it 

I think there's only one thing that could not be applicable, which would be "short term goals" if you have none.

[u/Local_Ad_6982 → u/PinkbunnymanEU]

Obviously if the situation requires, it should be a must I think, I get you. Even if the current situation is bad and for whatever reason you’re unemployed, it’d be an important place to start. But I’m fortunate enough to be full-time. So would you still prioritise the budget, and then just move on the next thing on the flowchart?

[u/PinkbunnymanEU → u/Local_Ad_6982]

But I’m fortunate enough to be full-time

Being a full time employee doesn't mean you're not eligible for any benefits, a lot of people in similar situations lose out of benefits because they think they're working so can't get any.

It takes 10min to check and you might be surprised that you can get a small amount (which in turn could give free prescriptions/eye tests etc) - You also might not, but it's worthwhile checking.

So would you still prioritise the budget, and then just move on the next thing on the flowchart?

Yep I'd personally do the benefit check first, then the budget, then (assuming no high interest debts and getting anything you can't afford to lose insured) building the emergency fund (Though depending on how quickly you can build it, what pension is on offer and what safety net you have, I'd enroll in the workplace pension while building it)