You track yourspending usinga smartphoneapp orspreadsheet.You diversifyyourinvestments(stocks, bonds,real estate, etc.)to reduce risk."Youcontribute toa retirementsavingsplan."You have anemergencysavings fund withat least threemonths' worth ofexpenses.You have awill orestate planin place.You track yourmonthlyexpenses tosee where youcan cut back.  "You use abudget totrack yourmonthlyexpenses."You have astrategy forpaying off high-interest debtfirst (like creditcards).You usecoupons or lookfor sales beforemaking majorpurchases.You set asidemoney eachmonth forunexpectedexpenses (likecar repairs).You compareprices beforemaking a big-ticket purchase,like appliancesor electronics."Youregularlycheck yourcredit score."You review yourbankstatementsregularly toavoid errors orfraud."Youcompareprices beforemaking largepurchases."You regularlyreassess yourinsurancecoverage toensure you'readequatelyprotected.You contributeto a tax-advantagedretirementaccount (like a401k or IRA).You understandhow your pensionor Social Securitybenefits willimpact yourretirement.You have a planfor how you’llmanage yourfinances in case ofa long-term illnessor disability.You shoparound for thebest interestrates whenapplying forloans.You have afinancial advisoror trustedresource youconsult for majordecisions."You make a listbefore groceryshopping toavoid impulsebuys.""You have anemergencyfund for threemonths of livingexpenses."You use automatictransfers to putmoney intosavings orretirementaccounts.You avoidimpulsepurchases bysticking to ashopping list.You track yourspending usinga smartphoneapp orspreadsheet.You diversifyyourinvestments(stocks, bonds,real estate, etc.)to reduce risk."Youcontribute toa retirementsavingsplan."You have anemergencysavings fund withat least threemonths' worth ofexpenses.You have awill orestate planin place.You track yourmonthlyexpenses tosee where youcan cut back.  "You use abudget totrack yourmonthlyexpenses."You have astrategy forpaying off high-interest debtfirst (like creditcards).You usecoupons or lookfor sales beforemaking majorpurchases.You set asidemoney eachmonth forunexpectedexpenses (likecar repairs).You compareprices beforemaking a big-ticket purchase,like appliancesor electronics."Youregularlycheck yourcredit score."You review yourbankstatementsregularly toavoid errors orfraud."Youcompareprices beforemaking largepurchases."You regularlyreassess yourinsurancecoverage toensure you'readequatelyprotected.You contributeto a tax-advantagedretirementaccount (like a401k or IRA).You understandhow your pensionor Social Securitybenefits willimpact yourretirement.You have a planfor how you’llmanage yourfinances in case ofa long-term illnessor disability.You shoparound for thebest interestrates whenapplying forloans.You have afinancial advisoror trustedresource youconsult for majordecisions."You make a listbefore groceryshopping toavoid impulsebuys.""You have anemergencyfund for threemonths of livingexpenses."You use automatictransfers to putmoney intosavings orretirementaccounts.You avoidimpulsepurchases bysticking to ashopping list.

FINANCIAL DECISION BINGO - Call List

(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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  1. You track your spending using a smartphone app or spreadsheet.
  2. You diversify your investments (stocks, bonds, real estate, etc.) to reduce risk.
  3. "You contribute to a retirement savings plan."
  4. You have an emergency savings fund with at least three months' worth of expenses.
  5. You have a will or estate plan in place.
  6. You track your monthly expenses to see where you can cut back.
  7. "You use a budget to track your monthly expenses."
  8. You have a strategy for paying off high-interest debt first (like credit cards).
  9. You use coupons or look for sales before making major purchases.
  10. You set aside money each month for unexpected expenses (like car repairs).
  11. You compare prices before making a big-ticket purchase, like appliances or electronics.
  12. "You regularly check your credit score."
  13. You review your bank statements regularly to avoid errors or fraud.
  14. "You compare prices before making large purchases."
  15. You regularly reassess your insurance coverage to ensure you're adequately protected.
  16. You contribute to a tax-advantaged retirement account (like a 401k or IRA).
  17. You understand how your pension or Social Security benefits will impact your retirement.
  18. You have a plan for how you’ll manage your finances in case of a long-term illness or disability.
  19. You shop around for the best interest rates when applying for loans.
  20. You have a financial advisor or trusted resource you consult for major decisions.
  21. "You make a list before grocery shopping to avoid impulse buys."
  22. "You have an emergency fund for three months of living expenses."
  23. You use automatic transfers to put money into savings or retirement accounts.
  24. You avoid impulse purchases by sticking to a shopping list.