(Print) Use this randomly generated list as your call list when playing the game. There is no need to say the BINGO column name. Place some kind of mark (like an X, a checkmark, a dot, tally mark, etc) on each cell as you announce it, to keep track. You can also cut out each item, place them in a bag and pull words from the bag.
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Utility companies may offer rebates to offset the cost of upgrading energy efficiency
A foreclosure prevention counselor will help evaluate your options.
Financial Considerations: Contact a HUD approved Housing Counseling Agency
It may take up to a year to adjust to mortgage payments and the true costs of home ownership.
Sign of Financial Distress: Frequently borrow money
Safety repairs should come before aesthetic repairs or improvements
Compact Fluorescent Light Bulbs can save more than $40 in electricity costs over its lifetime
Sign of Financial Distress: Using savings to meet current expenses
Sign of Financial Distress: More than 20% of take-home pay is used for non-mortgage debt repayments
Appliances with the energy star logo are considered more energy efficient than the average comparable model.
Sign of Financial Distress: Rely on Overtime
Rule of Thumb: A new interest rate should be 2% below the rate of current mortgage and you should plan to live there at least 3 more years.
Federal & State tax credits may also be available for energy efficiency www.dsireusa.org
Once or twice a year, walk through your house and check the condition of all its parts and structures.
Refinancing can be beneficial if it will change your loan to a fixed rate
Financial Considerations: Protect equity
Home Maintenance: Keep your home clean and in good repair
Sign of Financial Distress: Unsure of who is owed and for how much
Refinancing can be beneficial if it will decrease the total interest paid
Protecting your home is more than just adding locks or smoke detectors
Compact Fluorescent Light Bulbs use 75 percent less energy than standard incandescent bulbs and last up to 10 times longer.
Financial Considerations: Know your loan
Heating or cooling your home typically takes up 56% of your utility bills
Get an Energy Audit: Test and evaluates the energy efficiency of the home
There are other options besides foreclosure.
Save 1-3% of the home’s value per year for repairs and maintenance.
An energy efficient appliance may cost more upfront but operating cost is less.
Financial Considerations: Save money for repairs
Your home is an investment in: Your financial future
Do it yourself Energy Audit: www.hes.lbl.gov
Appliances use different amounts of energy.
Your home is an investment in: The life and health of your community
Financial Considerations: Prioritize expenses
Sign of Financial Distress: Only able to make minimum payments
Financial Considerations: Adjust your budget
Your home is an investment in: Shelter and protection for your family
Financial Considerations: Save money for repairs
ENERGY STAR qualified homes save 15-20% on utilities
New homebuyers should not take on any new debt for at least one year after closing!
Financial Considerations: Beware of rescue scams and predatory lenders.
Closing costs will be charged for a refinance!
Refinancing can be beneficial if it will decrease your payment amount
