{"id":9687,"date":"2020-06-01T04:05:00","date_gmt":"2020-06-01T04:05:00","guid":{"rendered":"https:\/\/www.membershipmatters.com\/fr\/?p=4515"},"modified":"2020-09-30T17:00:28","modified_gmt":"2020-09-30T17:00:28","slug":"cinq-conseils-pour-gerer-une-urgence-financiere","status":"publish","type":"post","link":"https:\/\/devblog.foresters.com\/fr-ca\/finance-fr-ca\/cinq-conseils-pour-gerer-une-urgence-financiere\/","title":{"rendered":"Cinq conseils pour g\u00e9rer une urgence financi\u00e8re"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4506\" src=\"https:\/\/www.membershipmatters.com\/fr\/wp-content\/uploads\/2020\/05\/financial-emergency.jpg\" alt=\"\" width=\"630\" height=\"300\" \/>En plus de s&#8217;inqui\u00e9ter de la sant\u00e9 de notre famille et de nos amis pendant la pand\u00e9mie, beaucoup d&#8217;entre nous sommes \u00e9galement tr\u00e8s pr\u00e9occup\u00e9s par l&#8217;incidence que la pand\u00e9mie aura sur leurs finances personnelles et par les mesures qu\u2019ils peuvent prendre, le cas \u00e9ch\u00e9ant, pour att\u00e9nuer les d\u00e9g\u00e2ts.<\/p>\n<p>La Soci\u00e9t\u00e9 Radio-Canada s&#8217;est entretenue avec Shannon Lee Simmons, une planificatrice financi\u00e8re agr\u00e9\u00e9e et gestionnaire de placement agr\u00e9\u00e9e, afin d&#8217;obtenir ses conseils sur la mani\u00e8re de faire face \u00e0 une urgence financi\u00e8re et d&#8217;aborder d\u00e8s maintenant des questions telles que les flux de tr\u00e9sorerie, le report d&#8217;hypoth\u00e8que et les investissements en vue de la retraite. Elle a prodigu\u00e9 les conseils suivants<sup>1<\/sup> :<\/p>\n<ol>\n<li>Si vous \u00eates confront\u00e9 \u00e0 une urgence financi\u00e8re, examinez d&#8217;abord l&#8217;\u00e9cart entre vos revenus et vos d\u00e9penses et voyez ce que vous pouvez faire, le cas \u00e9ch\u00e9ant, pour le combler. Commencez par voir \u00e0 quelles prestations et \u00e0 quels recours vous avez droit en consultant le site <a href=\"https:\/\/www.canada.ca\/fr\/ministere-finances\/plan-intervention-economique.html\" target=\"_blank\" rel=\"noopener noreferrer\">Web du Gouvernement du Canada<\/a>\u00a0puis voyez o\u00f9 vous pouvez r\u00e9duire vos d\u00e9penses. Vous souhaitez peut-\u00eatre interrompre vos abonnements, r\u00e9duire vos d\u00e9penses pour le c\u00e2ble et d&#8217;autres services non essentiels, et utiliser l&#8217;argent pr\u00e9vu au budget pour des choses que vous n&#8217;utilisez plus (comme les billets de train, les frais de garderie et les activit\u00e9s extrascolaires pour les enfants, par exemple) pour payer vos factures et acheter de la nourriture.<\/li>\n<\/ol>\n<ol start=\"2\">\n<li>Si vous travaillez toujours, mais que vous vous inqui\u00e9tez de la stabilit\u00e9 de vos futurs revenus, constituez un fonds d&#8217;urgence qui couvre vos d\u00e9penses et vos factures pendant au moins un mois. Le montant id\u00e9al du fonds d&#8217;urgence devrait vous couvrir pendant trois \u00e0 six mois, mais cela peut ne pas \u00eatre pratique pour le moment alors vous pourriez avoir un objectif d&#8217;un mois.<\/li>\n<\/ol>\n<ol start=\"3\">\n<li>Consultez votre courtier en pr\u00eats hypoth\u00e9caires pour ren\u00e9gocier votre pr\u00eat, car les taux d&#8217;int\u00e9r\u00eat sont bas en ce moment. Il pourra vous donner des conseils et vous aider \u00e0 calculer les \u00e9conomies potentielles et les p\u00e9nalit\u00e9s li\u00e9es au renouvellement anticip\u00e9 de votre pr\u00eat hypoth\u00e9caire.<\/li>\n<\/ol>\n<ol start=\"4\">\n<li>\u00c0 moins que cela ne soit totalement in\u00e9vitable, ou que cela vous permette d&#8217;\u00e9viter de contracter une dette de cr\u00e9dit ou une ligne de cr\u00e9dit co\u00fbteuse, examinez soigneusement si vous avez besoin de reporter vos paiements hypoth\u00e9caires. Ces paiements seront toujours dus \u2013 y compris tous les int\u00e9r\u00eats que vous devez \u00e0 la banque \u2013 \u00e0 la fin de la p\u00e9riode de report. Vous paierez donc des int\u00e9r\u00eats sur les int\u00e9r\u00eats que vous devez d\u00e9j\u00e0.<\/li>\n<\/ol>\n<ol start=\"5\">\n<li>Si vous avez des placements, communiquez avec un conseiller de placement avant de prendre des mesures extr\u00eames \u00e0 l\u2019heure actuelle. Essayez de ne pas paniquer, et maintenez simplement le cap, en suivant le plan que vous avez d\u00e9j\u00e0 mis en place. \u00c0 l&#8217;avenir, quiconque est \u00e0 la retraite ou envisage de le devenir devrait, dans la mesure du possible, placer l&#8217;\u00e9quivalent de 12 \u00e0 18 mois de frais de subsistance dans un produit \u00e9quivalent \u00e0 des liquidit\u00e9s, tel qu&#8217;un certificat de placement garanti (CPG), afin d&#8217;\u00e9viter d&#8217;avoir \u00e0 retirer de l&#8217;argent de ses placements en cas de krach boursier.<\/li>\n<\/ol>\n<p>Il est \u00e9galement judicieux de demander \u00e0 vos fournisseurs de services s&#8217;ils peuvent vous offrir des options de paiement flexibles, et il en va de m\u00eame pour les propri\u00e9taires et les soci\u00e9t\u00e9s de cartes de cr\u00e9dit. Renseignez-vous pour savoir s&#8217;ils sont pr\u00eats \u00e0 vous permettre de retarder vos paiements sans int\u00e9r\u00eat, et ce qu&#8217;ils font d&#8217;autre pour aider les clients comme vous pendant la pand\u00e9mie.<\/p>\n<p>SOURCE<\/p>\n<ol>\n<li><a href=\"https:\/\/www.cbc.ca\/life\/work-money\/financially-impacted-by-covid-19-a-personal-finance-expert-answers-your-most-pressing-questions-1.5516818\">https:\/\/www.cbc.ca\/life\/work-money\/financially-impacted-by-covid-19-a-personal-finance-expert-answers-your-most-pressing-questions-1.5516818<\/a><\/li>\n<\/ol>\n<p>417953B FR 06\/20<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Qu&#8217;il s&#8217;agisse d&#8217;une perte d&#8217;emploi, de frais m\u00e9dicaux ou d&#8217;une r\u00e9paration automobile urgente, d\u00e9couvrez comment vous pouvez prendre en charge la situation financi\u00e8re soudaine de votre vie. <\/p>\n","protected":false},"author":10,"featured_media":9728,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1756],"tags":[280,1739],"class_list":{"0":"post-9687","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-finance-fr-ca","8":"tag-budget","9":"tag-urgence-financiere"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - 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