We use the present perfect for past experiences when we don't say exactly when they happened.
We use the present continuous to talk about past experiences and recent past actions when we don't specify a time.
I've inherited some money but I haven't spent it.
Sally has never met Bill's ex-wife.
Have you ever lost your crediti card?
We use the present perfect for recent past actions when we focus on the present results.
I've cut my finger!
Too late! Our train has just left!
I've already seen that fim twice. Can we watch another one?
My brother hasn't found a new job yet. He's still looking.
Have you finished your homework yet?
We use the past simple to ask or talk about finished actions in the past, when the time is mentioned or understood.
They got married last year.
I didn't have time to do my homework.
What time did you wake up this morning?