I'm curious about the order of how to use moisturizer.

I am curious about how to use moisturizing cream.
In what exact order should you apply moisturizer for the most effective results on your skin?
I heard that the most important thing about using moisturizer is the timing of application, so I'm wondering if it's correct to apply it immediately after washing my face.
I also want to know which is more hygienic, applying the moisturizer with my hands or using a spatula, depending on how it is used.
If spatulas are more hygienic, I would appreciate it if you could also let me know how best to maintain their hygiene.
I apply toner followed by moisturizer, but I think I'm doing something wrong.
I want to get help.