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FINANCIAL STABILITY SCORECARD™

SECTION 1 — ABOUT YOU

Full Name

Telephone / WhatsApp Number

Email Address

Age Range

Current Income Category

Financial Dependants

Yes

SECTION 2 — PROTECTING YOUR INCOME

1. Income Interruption: If your main income stopped unexpectedly today, for how long could you continue meeting your essential expenses without borrowing, selling assets or depending on someone else?

Yes — I could comfortably manage for at least 6 months.

Partly — I could manage for a few months, but not comfortably or for long.

No — I would experience financial difficulty fairly quickly.

Educational note: Your expenses normally continue even when your income does not. Financial stability therefore requires a plan for surviving an interruption in income.

2. Emergency Fund: Do you currently have money specifically reserved for emergencies equivalent to at least 3–6 months of your essential expenses?

Yes — I have at least 3–6 months available.

Partly — I have emergency savings, but they are below this level.

No — I do not currently have a dedicated emergency fund.

Educational note: Without emergency money, an unexpected expense can force you into debt or make you withdraw money intended for long-term goals.

SECTION 3 — PROTECTING THE PEOPLE AND RESPONSIBILITIES THAT MATTER

3. Family Financial Continuity: If you died, became seriously ill or permanently lost your ability to earn, is there a financial arrangement specifically designed to replace some of the income your family would lose?

Yes — I have adequate financial protection in place.

Partly — I have some protection, but I am not sure it would be enough.

No — I do not currently have such protection.

Not Applicable — Nobody currently depends financially on me.

Educational note: Savings and assets are useful, but they may not immediately replace years of future income that a household expected you to earn.

4. Education Continuity: If you are responsible for a child's education, is there a financial plan specifically designed to keep their education funded if your income stopped?

Yes — I have a dedicated education continuity plan.

Partly — I am saving for education, but continuity is not fully protected.

No — Their education currently depends mainly on my continued income.

Not Applicable — I currently have no education responsibility.

Educational note: Paying school fees today is different from having a system that can continue paying them when circumstances change.

SECTION 4 — CONTROLLING YOUR MONEY

5. Financial Visibility: Do you clearly know how much you earn, spend, owe, save and invest in a typical month?

Yes — I know these numbers clearly.

Partly — I know some, but not all of them.

No — I do not have a clear picture.

Educational note: You cannot deliberately improve a financial position that you cannot clearly see.

6. Debt Pressure: After making your monthly debt repayments, do you still have enough money for essential expenses and consistent saving or investing?

Yes — Debt repayments do not prevent me from saving or investing.

Partly — I manage, but debt significantly reduces what I can save or invest.

No — Debt repayments regularly prevent me from saving or investing.

Not Applicable — I currently have no debt repayments.

Educational note: Debt becomes a financial stability problem when today's repayments repeatedly consume money needed to build tomorrow's financial security.

SECTION 5 — TURNING INCOME INTO WEALTH

7. Purposeful Saving: Do you consistently put money aside towards clearly defined financial goals with a target amount and timeframe?

Yes — My major savings goals have amounts and timelines.

Partly — I save regularly, but some goals are not clearly defined.

No — I save mainly when money is available.

Educational note: A goal such as “I want UGX 50 million for a property deposit within five years” is easier to plan for than simply saying “I want to save more.”

8. Financial Automation: Does part of your income automatically or consistently go towards savings, investments or financial protection before discretionary spending?

Yes — This happens consistently.

Partly — I do it, but not consistently.

No — I mainly save or invest whatever remains.

Educational note: Financial goals are easier to build when funding them is part of your financial system rather than dependent on what remains at the end of the month.

9. Asset & Investment Building: After meeting your regular expenses, are you consistently using part of your income to build investments or assets that could improve your future financial position?

Yes — I consistently invest or build assets.

Partly — I have started, but contributions are inconsistent or small.

No — Most of my income is currently consumed by present expenses.

Educational note: Earning income for many years does not automatically create wealth. Some of today's income must eventually become assets capable of supporting tomorrow.

10. Long-Term Investment & Retirement: Do you currently have a long-term investment or retirement plan that you contribute to consistently?

Yes — I have a clear plan and contribute consistently.

Partly — I have started, but the plan or contributions are not yet sufficient or consistent.

No — I do not currently have a structured long-term plan.

Educational note: One day employment or active work will stop. At that point, your lifestyle will depend on the financial resources you built while you were earning.

SECTION 6 — REDUCING DEPENDENCE ON ONE INCOME

11. Additional Income: Besides your main income, do you currently have another reliable source of income or a deliberate plan you are actively funding to build one?

Yes — I already have another reliable income source.

Partly — I am actively building one, but it is not yet reliable.

No — I currently depend mainly on one source of income.

Educational note: A second income source can reduce the financial impact of disruption to your primary income.

12. Financial Independence: Are the savings, investments and assets you are building likely to eventually generate enough financial resources to reduce your dependence on working income?

Yes — I have a clear plan and I am actively building towards it.

Partly — I have started building assets or investments, but I am not yet sure they will be enough.

No — I currently depend almost entirely on my continued ability to work.

Educational note: The long-term purpose of wealth building is to gradually create financial resources capable of supporting you even when you are no longer earning as you do today.

SECTION 8 — YOUR FINANCIAL PRIORITY

13. What matters most to you right now?

14. Your Financial Target: If you selected a savings, investment, asset, education or retirement goal, approximately how much would you eventually like to build towards it?

Educational note: A financial goal becomes easier to plan when it has a number attached to it.

15. Your Timeframe: Ideally, when would you like to achieve or substantially address this financial goal?

SECTION 9 — COST OF INACTION

16. If nothing changes in this financial area over the next 12 months, what concerns you most?

SECTION 10 — MONTHLY FINANCIAL CAPACITY

17. If the review identifies a suitable solution for your priority, what monthly amount could you realistically consider putting aside without putting pressure on your essential expenses?

Educational note: A good financial plan should be sustainable. The objective is to identify an amount you can consistently maintain and potentially increase as your income grows.

SECTION 11 — READINESS

18. Based on what you have discovered from this assessment, how soon would you like to start addressing your most important financial gap?

SECTION 12 — PERSONAL FINANCIAL STABILITY REVIEW

19. Would you like Enock Nsubuga, Financial Stability & Continuity Advisor, to contact you for a brief personal review of your Scorecard and explain possible options for addressing the gaps identified?

Yes — please contact me

Yes — send me information first

Maybe — I would like to understand what the review involves

Not right now

The personal review helps connect:
Your Financial Gaps → Your Financial Goals → Suitable Financial Options

How financially prepared are you if your income stops — and is the income you earn today building the future you want?

Most people know how much they earn. Fewer know whether their current financial system can protect their lifestyle, absorb emergencies, support their family and gradually build wealth.

The Financial Stability Scorecard™ is a short financial assessment designed to help you identify where you are financially strong, where you may be exposed and which areas may require attention.

Estimated completion time: 5–7 minutes. Your answers will help generate your Financial Stability Score and guide any recommendations made after the assessment.