Financial vocabulary and the present perfect

"Have you ever created a personal budget to manage your monthly expenses?"

"Have you ever heard of a situation where someone has been offered a bribe to change a decision?"

"Have you ever had to pay a fine for something you did by accident?"

"Has anyone in your family ever inherited something valuable?"

"Have you ever received an unexpected increase in your income or earnings?"

"Have you ever received a refund for something you didn’t expect?"

"Have you ever paid a fee that you felt was unfair or unexpected?"

"Have you ever made a profit from selling something, like an item you no longer needed?"

"Have you ever saved up for something big, like a long vacation or a car?"

"Have you ever tracked all of your expenses for an entire month to see where your money goes?"

"Have you ever taken out a loan to pay for something important?"

"Have your parents or anyone you know ever paid off a mortgage completely?"