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Financial_Operation.html
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<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
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<h1>Financial Operation<a name='Financial Operation_1_1' class="offset-anchor"></a></h1>
<hr>
<p>
These are the steps I have followed. These steps are not new, and have been published extensively in many varients throughout the financial world. I have chosen my favourite steps.
</p>
<p>
<img src="./Financial_Operation/money-2724241_1280001.jpg"><br>
Image <a href="https://pixabay.com/photos/money-coin-investment-business-2724241/" title="copyright" class="https">copyright</a>
</p>
<h2>Steps to financial success<a name='Steps to financial success_1_2' class="offset-anchor"></a></h2>
<h3>The Plan<a name='The Plan_1_3' class="offset-anchor"></a></h3>
<p>
<i><b>"Spend less than you earn, and invest the rest"</b></i>
</p>
<h3>Order to Prioritise<a name='Order to Prioritise_1_4' class="offset-anchor"></a></h3>
<h4>Emergency Fund<a name='Emergency Fund_1_5' class="offset-anchor"></a></h4>
<ul>
<li>Save an emergency fund; this should be at least three months of expenses to 6 months. Take into account insurance deductables.</li>
<li>Saved as a cash or cash equivalent, such as a savings account at the bank or <a href="./Premium_Bonds.html" title="Premium Bonds" class="page">Premium Bonds</a>.</li>
</ul>
<h4>Pay Off Debts<a name='Pay Off Debts_1_6' class="offset-anchor"></a></h4>
<ul>
<li>Aggressively pay debts, especially high interest (greater than 3%). Leave mortgage for later.</li>
</ul>
<h4>Save for the Future<a name='Save for the Future_1_7' class="offset-anchor"></a></h4>
<ul>
<li>Save 10-20% of your income. <a href="./Investments.html" title="Invest" class="page">Invest</a> in a global index fund. For example, I use <a href="./Vanguard.html" title="Vanguard" class="page">Vanguard</a> as my preferred platform for my investments and buy index funds. If you have additional income, consider extra payments to the mortgage or invest more!</li>
</ul>
<p>
Last updated: 29/12/2022
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<b>Backlinks:</b>
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<a href='../Money.html'>Money</a>
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