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

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