{"id":45833,"date":"2023-11-15T09:52:14","date_gmt":"2023-11-15T14:52:14","guid":{"rendered":"https:\/\/ivari.ca\/?post_type=good_reads&#038;p=45833"},"modified":"2024-03-08T12:21:25","modified_gmt":"2024-03-08T17:21:25","slug":"comprendre-lendettement-et-bien-le-gerer","status":"publish","type":"good_reads","link":"https:\/\/ivari.ca\/fr\/ressources\/faq\/bonnes-lectures\/comprendre-lendettement-et-bien-le-gerer\/","title":{"rendered":"Comprendre l\u2019endettement et bien le g\u00e9rer"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css=\u00a0\u00bb.vc_custom_1633110907975{background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_id=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column][vc_row_inner content_placement=\u00a0\u00bbbottom\u00a0\u00bb css=\u00a0\u00bb.vc_custom_1700059879040{background-image: url(https:\/\/ivari.ca\/files\/young-married-couple-with-many-debts-doing-paperwo-2021-08-31-05-06-31-utc-copy-2-scaled.jpg?id=45822) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}\u00a0\u00bb el_class=\u00a0\u00bbpost-banner\u00a0\u00bb][vc_column_inner el_class=\u00a0\u00bbimage-row-text-column\u00a0\u00bb width=\u00a0\u00bb2\/5&Prime;][vc_column_text]<\/p>\n<h1>\t\t\t<span id=\"typedjs18\" class=\"animated-typed-js-shortcode \"><\/span>\n\t\t\t<script>\n\t\t\tvar typedjs18 = new Typed('#typedjs18', {\n\t\t\t\tstrings: [\"Comprendre l\\u2019endettement et bien le g\\u00e9rer\"],\n\t\t\t\ttypeSpeed: 80,\n\t\t\t\tbackSpeed: 50,\n\t\t\t\tbackDelay: 500,\n\t\t\t\tstartDelay: 1000,\n\t\t\t\tloop: false,\n\t\t\t\tloopCount: 0,\n\t\t\t\tfadeOut: false,\n\t\t\t\tfadeOutDelay: 500,\n\t\t\t\tsmartBackspace: true,\n\t\t\t\tshuffle: false,\n\t\t\t\tshowCursor: true,\n\t\t\t\tcursorChar: \"|\"\n\t\t\t});\n\t\t\t<\/script>\n\n\t\t<\/h1>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/5&Prime;][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbpage-subheader\u00a0\u00bb][vc_column][vc_column_text]Si vous \u00eates comme la plupart des Canadiens, vous avez contract\u00e9 certaines dettes qui, dans bien des cas, se sont alourdies par la pand\u00e9mie.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text el_class=\u00a0\u00bbivari-row border-bottom\u00a0\u00bb]Pour 43 % d\u2019entre nous, l\u2019endettement s\u2019est aggrav\u00e9 au cours de l\u2019ann\u00e9e \u00e9coul\u00e9e. Vu la hausse du co\u00fbt de la vie et des taux d\u2019int\u00e9r\u00eat, de nombreux Canadiens se sont tourn\u00e9s vers le cr\u00e9dit et les pr\u00eats pour assumer leurs d\u00e9penses quotidiennes. Soulignons toutefois que cet endettement, dont nous sommes g\u00e9n\u00e9ralement affect\u00e9s dans une certaine mesure, n\u2019est pas forc\u00e9ment mauvais en soi. Les \u00e9l\u00e9ments \u00e0 prendre en compte pour optimiser sa s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme sont la nature de la dette et la fa\u00e7on dont elle est g\u00e9r\u00e9e.[\/vc_column_text][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>Dette immobili\u00e8re<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Seule une petite minorit\u00e9 peut s\u2019offrir une maison au comptant. L\u2019achat d\u2019une propri\u00e9t\u00e9 n\u2019est donc pas n\u00e9cessairement un mauvais endettement. Si vous arrivez \u00e0 bien g\u00e9rer votre hypoth\u00e8que apr\u00e8s avoir consult\u00e9 un conseiller financier, la contraction d\u2019une dette sous la forme d\u2019un pr\u00eat immobilier peut s\u2019av\u00e9rer une bonne d\u00e9cision pour vous. [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>Endettement li\u00e9 au co\u00fbt de la vie<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Lorsque vous devez vous endetter pour payer vos factures et nourrir votre famille, cette situation peut devenir on ne peut plus stressante. \u00c0 court terme, vous avez l\u2019impression de vous engloutir dans un gouffre. Trop souvent dans les moments difficiles, les gens s\u2019en remettent \u00e0 leurs cartes de cr\u00e9dit pour obtenir sur-le-champ les fonds n\u00e9cessaires aux achats imm\u00e9diats. Le solde moyen d\u2019une carte de cr\u00e9dit au Canada est d\u2019environ 4 000 $, car les m\u00e9nages d\u00e9pensent \u00e0 outrance pour faire face \u00e0 l\u2019inflation. Avant d\u2019accumuler les factures de carte de cr\u00e9dit, il faut \u00e9valuer les frais d\u2019int\u00e9r\u00eat de ces d\u00e9penses par rapport \u00e0 d\u2019autres options comme les pr\u00eats bancaires et la consolidation des dettes.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>Que pouvez-vous faire pour g\u00e9rer vos dettes?<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Lorsque les dettes grugent un budget serr\u00e9, il est normal de se sentir pris au pi\u00e8ge, mais il y a moyen de s\u2019en sortir. Prenez le temps d\u2019examiner attentivement ce que vous d\u00e9pensez r\u00e9ellement pendant une semaine ou un mois. Maintenant, soyez francs. Y a-t-il des d\u00e9penses que vous pouvez r\u00e9duire, voire supprimer, ne serait-ce que temporairement, comme la multiplication des services de diffusion en continu, par exemple?<\/p>\n<p>Ensuite, dressez la liste de toutes vos dettes en notant les \u00e9l\u00e9ments suivants\u00a0:<\/p>\n<ul>\n<li>Montant total de la dette<\/li>\n<li>Mensualit\u00e9s minimales<\/li>\n<li>Taux d\u2019int\u00e9r\u00eat<\/li>\n<\/ul>\n<p>\u00c9tablissez maintenant l\u2019ordre des priorit\u00e9s. Dressez un budget en mettant au premier plan les factures importantes (comme l\u2019\u00e9lectricit\u00e9 et votre pr\u00eat hypoth\u00e9caire ou loyer) et celles dont l\u2019int\u00e9r\u00eat est le plus \u00e9lev\u00e9 (cartes de cr\u00e9dit, pr\u00eats sur salaire). Il est \u00e9galement recommand\u00e9 de vous pr\u00e9valoir de services conseils en mati\u00e8re de cr\u00e9dit qui vous aideraient \u00e0 mieux g\u00e9rer vos dettes ou \u00e0 regrouper celles-ci \u00e0 l\u2019aide d\u2019un pr\u00eat de consolidation.<\/p>\n<p>Autre chose\u00a0: Respectez votre budget. Envisagez des fa\u00e7ons d\u2019\u00e9conomiser, comme le transport en commun ou le covoiturage pour vous rendre au travail. Rep\u00e9rez les articles en solde aupr\u00e8s des \u00e9piceries locales, puis faites des r\u00e9serves ou cuisinez en grandes quantit\u00e9s et congelez la nourriture. Si le climat le permet et que vous disposez de l\u2019espace n\u00e9cessaire, songez \u00e0 cultiver vos propres l\u00e9gumes.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_class=\u00a0\u00bbarticle-section\u00a0\u00bb][vc_column_inner width=\u00a0\u00bb1\/4&Prime;][vc_column_text]<\/p>\n<h2>C\u2019est le moment ou jamais!<\/h2>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=\u00a0\u00bb3\/4&Prime;][vc_column_text]Si vous vous sentez d\u00e9pass\u00e9 par les \u00e9v\u00e9nements, chaque pas dans la bonne direction vous aidera \u00e0 vous prendre en main et \u00e0 vous aligner sur un avenir financier plus confortable.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row el_id=\u00a0\u00bbnotes\u00a0\u00bb][vc_column][vc_column_text el_class=\u00a0\u00bbfootnote-section\u00a0\u00bb el_id=\u00a0\u00bbnotes\u00a0\u00bb]<\/p>\n<h2 class=\"reference-title\">Ressources :<\/h2>\n<ol>\n<li><a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/dettes\/plan-payer-dettes.html\" target=\"_blank\" rel=\"noopener\">https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/dettes\/plan-payer-dettes.html<\/a><\/li>\n<li><a href=\"https:\/\/www.gerezmieuxvotreargent.ca\/chemin-dapprentissage\/gestion-de-la-dette\/strategies-de-remboursement-des-dettes\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.gerezmieuxvotreargent.ca\/chemin-dapprentissage\/gestion-de-la-dette\/strategies-de-remboursement-des-dettes\/<\/a><\/li>\n<li><a href=\"https:\/\/www.transunion.ca\/fr\/entreprises\" target=\"_blank\" rel=\"noopener\">https:\/\/www.transunion.ca\/fr\/entreprises<\/a><\/li>\n<li><a href=\"https:\/\/itools-ioutils.fcac-acfc.gc.ca\/BP-PB\/planificateur-budgetaire\" target=\"_blank\" rel=\"noopener\">https:\/\/itools-ioutils.fcac-acfc.gc.ca\/BP-PB\/planificateur-budgetaire<\/a><\/li>\n<\/ol>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p> Si vous \u00eates comme la plupart des Canadiens, vous avez contract\u00e9 certaines dettes qui, dans bien des cas, se sont alourdies par la pand\u00e9mie.Pour&#8230;<\/p>\n","protected":false},"featured_media":45821,"template":"","meta":{"_acf_changed":false,"_searchwp_excluded":""},"social_share":[318],"good_reads_categories":[476],"class_list":["post-45833","good_reads","type-good_reads","status-publish","has-post-thumbnail","hentry","social_share-appears-in-social-share-fr","good_reads_categories-finance-et-epargne-personnelles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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