December Finance Bingo: Win Prizes While Building Better Money Habits
Are you ready to finish 2025 strong and set yourself up for an amazing 2026? I’m so excited to introduce our December Finance Bingo Challenge – a fun, interactive way to build better money habits while having the chance to win some awesome prizes!
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What Is the December Finance Bingo Challenge?
The December Finance Bingo Challenge is a free, month-long activity designed to help you take control of your finances through small, achievable actions. Instead of feeling overwhelmed by big financial goals, you’ll complete simple tasks like making a budget, tracking your spending, or saying “no” to an impulse purchase.
Complete a full row, column, or diagonal on your bingo card, share it on social media, and you could win prizes! It’s accountability, community, and rewards all rolled into one festive package.
How to Participate in the December Bingo Challenge
Participating is easy! Here’s how to get started:
Step 1: Download Your Free Bingo Card
Grab your printable December Finance Bingo card (or screenshot the one on Instagram or Facebook). You can print it out or save it digitally – whatever works best for you!
Step 2: Complete Your Bingo Squares
Throughout December, work on completing the tasks in each square. You need to complete a full row, column, or diagonal to be eligible for prizes. The best part? Many of these tasks are things you can do multiple times, so you have lots of opportunities to mark off squares!
Step 3: Share Your Success
Once you’ve completed a bingo row:
- Take a photo of your completed bingo card
- Post it on Facebook or Instagram
- Tag @DebtFreeJoy in your post
- Send me a DM with your email address so I can send your prize!
Step 4: Celebrate Your Win!
The first 20 people to complete and share their bingo card will receive a $5 Starbucks gift card. Plus, everyone who completes a row gets entered into our grand prize drawing in January!
What’s on the December Financial Bingo Card?
The bingo card includes 24 achievable financial tasks (plus one free space in the middle!) that fall into five categories:
Budget Basics
These foundational tasks help you get a clear picture of your money:
- Made a budget for December – Start the month with a plan for every dollar
- Tracked every purchase for a week – Awareness is the first step to change
- Checked bank account balance – No more avoiding reality!
- Said “no” to something you didn’t budget for – Practice makes perfect
- Packed lunch instead of eating out – Save money and eat healthier
Holiday Spending Wins
Stay in control during the most expensive month of the year:
- Used cash for a purchase instead of a card – Feel the money leave your hands
- Shopped your own closet for an outfit – You probably already have what you need
- Made a gift instead of buying one – Personal AND budget-friendly
- Set a total Christmas spending limit – Protect your January self
- Declined a “limited time offer” email – Those offers come around again, trust me!
Savings & Planning
Build your financial foundation one small step at a time:
- Put ANY amount into savings – Even $5 counts!
- Deleted a promotional email without opening it – Resist the temptation
- Unsubscribed from a tempting store email – Set yourself up for success
- Compared prices before buying – Be a smart shopper
- Used a coupon or promo code – Save money on things you were buying anyway
Lifestyle Choices
Enjoy life without breaking your budget:
- Had a free fun activity with friends/family – Connection doesn’t require spending
- Made a meal plan for the week – Save money and reduce stress
- Choose a free holiday event over paid entertainment – Many communities offer free concerts, light displays, and festivals
- Waited 24 hours before making a non-essential purchase – The pause that saves
- Sold something you don’t need anymore – Declutter AND make money!
Mindset & Future Planning
Set yourself up for long-term success:
- Talked about money goals with spouse/accountability partner – You’re not in this alone
- Watched/read something about personal finance – Keep learning and growing
- Planned a January financial goal – Start 2026 with intention
- Celebrated a money win (any size!) – Progress deserves recognition
The Prizes: What You Can Win
Starbucks Gift Cards for the First 20
The first 20 people to complete a bingo row and share their card will receive a $5 Starbucks e-gift card. Why Starbucks? Because you’re winning with money, and that deserves a responsible treat! ☕
Grand Prize: The Fresh Start Kit
Everyone who completes and shares a bingo row will be entered into a drawing for our grand prize: The Fresh Start Kit – everything you need to launch into 2026 with confidence and clarity!
Here’s what’s included in the Fresh Start Kit:
Full Focus Planner
This isn’t just any planner – it’s a comprehensive goal-setting and productivity system designed by Michael Hyatt. The Full Focus Planner helps you:
- Set and achieve quarterly goals
- Plan your weeks with intention
- Track your daily priorities
- Reflect on your progress regularly
- Balance professional ambitions with personal well-being
If you’re serious about making 2026 your best year yet (financially and beyond), this planner is a game-changer!
Pack of FriXion Pens
These are my absolute favorite pens for planning and budgeting! FriXion pens use special ink that erases cleanly with the friction from the eraser on the pen cap. This means:
- No messy scribbles in your planner
- Easy to adjust your budget as life happens
- Perfect for anyone who likes their planning neat and error-free
- You can actually enjoy the planning process instead of stressing about mistakes
Trust me, once you try these pens, you’ll understand why I always have them on hand!
“Breaking Free from Broke” by George Kamel
This is George Kamel’s debut book, and it’s packed with practical, no-nonsense advice for managing your money in today’s world. George is a Ramsey personality known for his relatable humor and straight-talk approach to personal finance.
In “Breaking Free from Broke,” George covers:
- How to create a budget that actually works for your life
- Strategies for paying off debt without feeling deprived
- Smart ways to save and invest for your future
- How to avoid the common money traps that keep people broke
- Real talk about money mindsets that hold us back
If you love Dave Ramsey’s principles but want them delivered with millennial and Gen Z sensibility, this book is for you!
Cozy Mug & Joy’s Favorite Tea
Because financial planning should feel good, not stressful! This package includes a beautiful mug perfect for your morning routine, along with a sample of one of my favorite teas.
Picture this: You’re sitting down with your Full Focus Planner, a warm cup of tea in your favorite mug, mapping out your financial goals for the new year. That’s the vibe we’re going for – intentional, peaceful, and empowering.
The grand prize winner will be drawn in early January and announced on our social media channels!
Why December Is the Perfect Time for This Challenge
December is traditionally one of the most stressful financial months of the year. Between holiday shopping, travel expenses, year-end obligations, and “treat yourself” messaging everywhere we look, it’s easy to overspend and start January in a financial hole.
But what if December could be different this year?
This challenge helps you:
- Stay mindful of your spending during a high-pressure month
- Build momentum with small wins that add up
- Connect with community – you’re not doing this alone!
- End the year strong instead of with regret
- Set yourself up for success in 2026
Plus, it’s actually fun! Instead of feeling deprived or restricted, you’ll feel accomplished and in control.
Tips for Completing Your Bingo Card
Start with the Easy Wins
Look at your bingo card and identify 2-3 squares you could complete today. Maybe it’s as simple as checking your bank account balance or unsubscribing from one tempting retail email. Quick wins build momentum!
Mix One-Time and Repeatable Tasks
Some squares (like “Made a budget for December”) are one-and-done. Others (like “Packed lunch instead of eating out”) can be done multiple times. Use the repeatable tasks to your advantage – you might complete several squares in one week!
Get Your People Involved
Share your bingo card with a friend, spouse, or family member. Accountability makes everything easier, and you might inspire them to join the challenge too!
Track Your Progress Daily
Keep your bingo card somewhere visible – on your fridge, desk, or phone. Check in with it daily and look for opportunities to mark off squares.
Celebrate Every Square
Don’t wait until you complete a full row to celebrate. Every square you complete is a money win worth acknowledging. You’re building better habits, one square at a time!
Beyond the Bingo: Your Path to Financial Freedom
This December Financial Bingo Challenge is just the beginning. Whether you’re working on building your first emergency fund, paying off debt, or getting serious about your financial future, I’m here to help.
As a Ramsey Preferred Coach, I work with ambitious professionals and entrepreneurs who are ready to stop stressing about money and start building the life they want. If you’ve been thinking about working with a financial coach, there’s no better time to start than now!
Ready to Take the Challenge?
Download your free December Financial Bingo card and join our community of people who are finishing 2025 strong!
Remember:
- Complete any row, column, or diagonal
- Post your completed card on Facebook or Instagram
- Tag @DebtFreeJoy in your post
- DM me your email address for your prize
- First 20 submissions get Starbucks gift cards
- Everyone gets entered for the Fresh Start Kit drawing!
Let’s make December your best money month yet. You’ve got this – and I’ve got you! 🎉
