ABOUT SAGICOR LIFE

Sagicor Financial Company Ltd. (TSX: SFC)

is a leading financial services provider in the
Caribbean, with over 180 years of history,
and has a growing presence as a provider of
life insurance products in the United States,
with over US$1.4 billion in total annual
premiums. Sagicor has over 4500 employees
and offers a wide range of products and
services, including life, health, and general
insurance, banking, pensions, annuities, and
real estate. Sagicor’s registered office is
located at Clarendon House, 2 Church Street,
Hamilton, HM 11, Bermuda, with its principal
office located at Cecil F De Caires Building,
Wildey, St. Michael, Barbados.
SETTING MY FINANCIAL GOALS

ROME WASN’T BUILT IN A DAY,

NEITHER ARE FORTUNES.

Short-range goal (3-6 months)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

Short-range goal (3-6 months)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

Short-range goal (3-6 months)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

SETTING MY FINANCIAL GOALS

TAKE CARE OF THE PENNIES

& THE DOLLARS WILL LOOK
AFTER THEMSELVES.

Medium-range goal (7-12 months)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

Medium-range goal (7-12 months)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

Medium-range goal (7-12 months)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

SETTING MY FINANCIAL GOALS

DO NOT SEEK TO FOLLOW IN

THE FOOTSTEPS OF THE WISE.
SEEK WHAT THEY SOUGHT.

Long-range goal (1-3 years)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

Long-range goal (1-3 years)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

Long-range goal (1-3 years)

Goal: __________________ Objective: $_____________

__________________ Estimated Cost: $_____________

__________________ Target Date: $_____________

__________________ Monthly Amount: $_____________

MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes
MONTHLY MONEY MANAGER

Month:______________________

Directions
Use this form to set up a personal budget. After you’ve completed your planning, try to stick to
your budget for one month. At the end of the month, record your actual income and your actual
expenses. Calculate the difference between what you thought you would earn and what you
actually earned, and what you thought you would spend and what you actually spent.

income budget actual difference

$ $ $

$ $ $

$ $ $

$ $ $

total monthly income $ $ $

expenses budget actual difference

fixed expenses
$ $ $

$ $ $

$ $ $

$ $ $

flexible expenses
$ $ $

$ $ $

$ $ $

$ $ $
transportation
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

other
$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

$ $ $

Notes