{"id":18593,"date":"2021-03-12T23:16:31","date_gmt":"2021-03-12T23:16:31","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=18593"},"modified":"2021-03-15T12:17:04","modified_gmt":"2021-03-15T12:17:04","slug":"melhorar-sua-relacao-com-o-dinheiro","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/melhorar-sua-relacao-com-o-dinheiro\/","title":{"rendered":"Comment am\u00e9liorer votre relation avec l&#039;argent en 2021"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"0-saiba-como-lidar-melhor-com-o-dinheiro-\"><strong>Apprenez \u00e0 mieux g\u00e9rer votre argent<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Saiba como lidar melhor com o dinheiro\"  id=\"18597\" src=\"https:\/\/ucarecdn.com\/c2ad7b72-a78e-45d5-b973-f1255492186d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Apprenez \u00e0 mieux g\u00e9rer votre argent<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Saviez-vous qu\u2019am\u00e9liorer votre relation avec l\u2019argent peut faciliter tous les autres aspects de votre vie ? Car qui ne veut pas vivre en paix sans penser au casse-t\u00eate des d\u00e9penses, des dettes et sans \u00eatre n\u00e9gatif ? Alors pour ce faire, il suffit d\u2019am\u00e9liorer votre organisation financi\u00e8re.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et savez-vous d\u00e9j\u00e0 ce qu\u2019est une bonne organisation de vos finances ? Parce qu&#039;une bonne planification financi\u00e8re et une attitude positive \u00e0 l&#039;\u00e9gard du budget de votre m\u00e9nage font toute la diff\u00e9rence pour \u00e9viter le stress d\u00fb \u00e0 des raisons financi\u00e8res.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, si vous avez beaucoup de soucis dans votre vie financi\u00e8re, cet article vous aidera \u00e0 am\u00e9liorer votre rapport \u00e0 l\u2019argent cette ann\u00e9e. Alors continuez \u00e0 lire et v\u00e9rifiez quelles informations nous avons pour vous !<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"1-voc%C3%AA-precisa-melhorar-sua-rela%C3%A7%C3%A3o-com-o-dinheiro-\"><strong>Avez-vous besoin d\u2019am\u00e9liorer votre rapport \u00e0 l\u2019argent ?<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Voc\u00ea precisa melhorar sua rela\u00e7\u00e3o com o dinheiro?\"  id=\"18598\" src=\"https:\/\/ucarecdn.com\/cf68df52-b8b7-4b55-b788-74281750fa8f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Avez-vous besoin d\u2019am\u00e9liorer votre rapport \u00e0 l\u2019argent ?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une premi\u00e8re r\u00e9flexion essentielle pour comprendre comment am\u00e9liorer votre relation avec l\u2019argent est de comprendre comment se d\u00e9roule cette relation. Vous \u00eates-vous d\u00e9j\u00e0 demand\u00e9 si vous aviez vraiment de bonnes attitudes et si vous obteniez de bons r\u00e9sultats dans vos d\u00e9cisions financi\u00e8res\u00a0?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Le moment est donc venu d\u2019y r\u00e9fl\u00e9chir. Tout d\u2019abord, vous devez faire une liste et noter toutes vos d\u00e9penses, dettes, acomptes, factures, etc. Et puis, v\u00e9rifiez si vous avez beaucoup de dettes, si vous payez trop cher vos achats et votre facture de carte de cr\u00e9dit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Parce que si vous faites tout cela, les chances d\u2019\u00eatre d\u00e9j\u00e0 endett\u00e9, voire surendett\u00e9, seront plus grandes. Par exemple, si vous avez des dettes dues \u00e0 votre carte de cr\u00e9dit, un d\u00e9couvert ou un retard de paiement sur des pr\u00eats.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tout cela est donc un signal d\u2019alarme rouge pour votre relation avec l\u2019argent. De toute \u00e9vidence, une personne endett\u00e9e, ayant une cote de cr\u00e9dit n\u00e9gative ou n\u2019ayant aucune id\u00e9e de ce qu\u2019elle re\u00e7oit ou de ce qu\u2019elle d\u00e9pense, n\u2019a pas le contr\u00f4le de sa vie financi\u00e8re.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais ne vous inqui\u00e9tez pas, il est toujours temps de changer ces attitudes et d&#039;am\u00e9liorer votre rapport \u00e0 l&#039;argent en 2021 ! C\u2019est pourquoi, pour vous aider, nous vous avons apport\u00e9 quelques bons conseils sur les actions que vous pouvez entreprendre, les habitudes \u00e0 cr\u00e9er et d\u2019autres dont vous devriez vous d\u00e9barrasser imm\u00e9diatement.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, vous vous \u00eates identifi\u00e9 au profil de ceux qui ont besoin d\u2019am\u00e9liorer leur rapport \u00e0 l\u2019argent ? Alors continuez \u00e0 lire et consultez nos 8 conseils ci-dessous que nous avons sp\u00e9cialement apport\u00e9s pour vous aider. Allons-y?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"2-8-formas-de-melhorar-sua-rela%C3%A7%C3%A3o-com-o-dinheiro-em-2021-\"><strong>8 fa\u00e7ons d\u2019am\u00e9liorer votre relation avec l\u2019argent en 2021<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"8 formas de melhorar sua rela\u00e7\u00e3o com o dinheiro em 2021\"  id=\"18599\" src=\"https:\/\/ucarecdn.com\/52352755-089b-474a-8512-a4cd2ef6d559\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">8 fa\u00e7ons d\u2019am\u00e9liorer votre relation avec l\u2019argent en 2021<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Comme nous l\u2019avons dit, il existe un moyen de rendre votre relation avec l\u2019argent encore meilleure cette ann\u00e9e. Et pour ce faire, vous devrez porter un nouveau regard sur vos finances, votre planification financi\u00e8re, vos d\u00e9penses, tout !&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais n\u2019ayez pas peur, ce n\u2019est pas aussi grave qu\u2019il y para\u00eet. Et petit \u00e0 petit, vous constaterez des r\u00e9sultats positifs dans tous les aspects de votre vie. Car qui vit en paix s\u2019il est n\u00e9gatif, inquiet de l\u2019argent et des dettes ? Alors changeons \u00e7a maintenant ! Consultez nos conseils ci-dessous.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"3-entenda-o-seu-fluxo-de-caixa-\"><strong>Comprendre votre tr\u00e9sorerie<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Entenda o seu fluxo de caixa\"  id=\"18600\" src=\"https:\/\/ucarecdn.com\/a2712fe6-bd53-4f67-adad-cedc0a371a02\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Comprendre votre tr\u00e9sorerie<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Autrement dit, vous devez avoir une r\u00e9elle connaissance de tout ce qui entre et sort de votre compte bancaire. Par cons\u00e9quent, vous devez comprendre les flux de tr\u00e9sorerie de votre argent. Tout d\u2019abord, vous devez savoir quel est votre revenu mensuel exact et quelles d\u00e9penses essentielles vous aurez chaque mois.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par exemple, certains types de d\u00e9penses essentielles sont :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Factures d&#039;eau, d&#039;\u00e9lectricit\u00e9, de gaz, d&#039;internet, de t\u00e9l\u00e9phone portable, etc.\u00a0;<\/li><li>Les d\u00e9penses de sant\u00e9, telles que l&#039;assurance maladie, les examens, les consultations, les m\u00e9dicaments, etc.\u00a0;<\/li><li>Paiement des \u00e9tudes, telles que l&#039;\u00e9cole pour enfants, l&#039;universit\u00e9 et tout autre type d&#039;\u00e9tudes\u00a0;<\/li><li>Nourriture, comme les achats mensuels essentiels au march\u00e9.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De cette fa\u00e7on, vous saurez quelles d\u00e9penses vous devrez entretenir chaque mois. Mais il est \u00e9galement essentiel que vous compreniez quelles sont vos d\u00e9penses non essentielles. En d\u2019autres termes, ce que vous pouvez acheter de mani\u00e8re impulsive, d\u00e9penser pour vos loisirs, vos divertissements, etc.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par exemple, vous d\u00e9pensez peut-\u00eatre pour des d\u00e9penses non essentielles telles que\u00a0:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Divertissement, th\u00e9\u00e2tre, cin\u00e9mas, etc.\u00a0;<\/li><li>Voyages;<\/li><li>Restaurants;<\/li><li>Services num\u00e9riques tels que Ifood, Netflix, etc. ;<\/li><li>Les achats non essentiels en g\u00e9n\u00e9ral, comme les v\u00eatements, accessoires, etc.\u00a0;<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En d\u2019autres termes, il est important de comprendre votre profil de d\u00e9penses dans son ensemble, qu\u2019elles soient essentielles ou non essentielles. Ce n\u2019est qu\u2019alors que vous serez en mesure de comprendre o\u00f9 vous exag\u00e9rez vos d\u00e9penses et de cr\u00e9er des strat\u00e9gies pour changer cette situation.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, sachez \u00e9galement quelles sont vos dettes en g\u00e9n\u00e9ral, actives et d\u00e9j\u00e0 pay\u00e9es. Alors, notez tout, la date limite de paiement, le total, le nombre de versements restants. Organisez vos dettes par valeur et priorit\u00e9. Il sera ainsi plus facile de d\u00e9cider par o\u00f9 commencer \u00e0 payer si vous rencontrez des difficult\u00e9s pour tous les payer en m\u00eame temps.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"4-estabele%C3%A7a-metas-para-economizar-dinheiro-\"><strong>Fixez-vous des objectifs pour \u00e9conomiser de l\u2019argent<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Estabele\u00e7a metas para economizar dinheiro\"  id=\"18601\" src=\"https:\/\/ucarecdn.com\/e4caecb8-3d0a-46b0-9801-ff91f4b2f15b\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Fixez-vous des objectifs pour \u00e9conomiser de l\u2019argent<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En plus de bien comprendre et organiser votre tr\u00e9sorerie, vous devez cr\u00e9er une bonne strat\u00e9gie pour \u00e9conomiser de l\u2019argent. Car ce n\u2019est qu\u2019en cr\u00e9ant de nouvelles habitudes comme celle-ci que vous pourrez am\u00e9liorer votre relation avec l\u2019argent.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, vous pouvez d\u00e9sormais avoir une bonne id\u00e9e de combien entre et combien sort, o\u00f9 vous pouvez r\u00e9duire vos d\u00e9penses, etc. \u00c0 partir de l\u00e0, il sera plus facile de cr\u00e9er vos objectifs d\u2019\u00e9pargne, en \u00e9tablissant le montant que vous comptez \u00e9pargner chaque mois.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et respectez cet objectif\u00a0! De pr\u00e9f\u00e9rence, essayez d\u2019investir cet argent dans des fonds d\u2019investissement offrant une liquidit\u00e9 \u00e0 long terme et un faible risque. Vous pouvez par exemple investir chaque mois dans des CDB avec un d\u00e9lai de retrait d\u2019un an. De cette fa\u00e7on, vous saurez que vous ne pouvez pas modifier cette valeur avant que 12 mois ne se soient \u00e9coul\u00e9s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cependant, il est \u00e9galement important de disposer d\u2019un montant d\u2019\u00e9pargne afin de pouvoir le retirer si vous en avez besoin en cas d\u2019urgence. Mettez donc de c\u00f4t\u00e9 une partie de votre \u00e9pargne pour un placement liquide quotidien, \u00e0 l\u2019instar des diff\u00e9rents fonds d\u2019investissement propos\u00e9s par les banques.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais attention \u00e0 la fonction de rachat automatique que certaines options vous offriront. Parce que de cette fa\u00e7on, vous d\u00e9pensez vos \u00e9conomies sans m\u00eame vous en rendre compte. Bref, fixez-vous des objectifs d&#039;\u00e9pargne, ayez un montant auquel vous ne pouvez pas toucher et un disponible en cas d&#039;urgence.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"5-negocie-ou-quite-suas-d%C3%ADvidas-\"><strong>N\u00e9gocier ou rembourser vos dettes<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Negocie ou quite suas d\u00edvidas\"  id=\"18602\" src=\"https:\/\/ucarecdn.com\/31d0d652-4045-4daf-8958-75bb5ec87f94\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">N\u00e9gocier ou rembourser vos dettes<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Maintenant que vous avez une bonne id\u00e9e de toutes vos dettes impay\u00e9es, et que vous les avez s\u00e9par\u00e9es par date d&#039;\u00e9ch\u00e9ance, montant total et nombre d&#039;\u00e9ch\u00e9ances, il est temps de penser \u00e0 n\u00e9gocier ou \u00e0 rembourser vos dettes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par cons\u00e9quent, commencez par r\u00e9fl\u00e9chir aux dettes impay\u00e9es les plus \u00e9lev\u00e9es. Lesquelles seriez-vous en mesure de rembourser le plus rapidement et lesquelles prennent encore beaucoup de temps\u00a0? R\u00e9fl\u00e9chissez \u00e0 la mani\u00e8re de rembourser les dettes les plus faciles et de ren\u00e9gocier les dettes les plus importantes et les plus difficiles \u00e0 payer.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Des dettes en souffrance plus importantes et en retard entra\u00eeneront des taux d\u2019int\u00e9r\u00eat et des sommes d\u2019argent de plus en plus \u00e9lev\u00e9s \u00e0 payer. Alors attaquez-vous d\u2019abord \u00e0 ces grosses dettes. Ensuite, pensez aux dettes plus petites qui entra\u00eenent des taux d\u2019int\u00e9r\u00eat bas, essayez d\u2019en rembourser autant que vous le pouvez.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais n\u2019arr\u00eatez jamais de n\u00e9gocier vos dettes, car vous obtiendrez ainsi des d\u00e9lais de paiement plus longs, des taux d\u2019int\u00e9r\u00eat plus bas, etc. C\u2019est une r\u00e8gle d\u2019or pour am\u00e9liorer son rapport \u00e0 l\u2019argent en 2021.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Parce que moins vous vous endettez, plus il vous reste d\u2019argent \u00e0 \u00e9pargner, \u00e0 investir et \u00e0 mettre \u00e0 votre profit !<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1WGo1y\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/fr\/como-negociar-divida-no-cheque-especial\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment n\u00e9gocier un d\u00e9couvert\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/negocie.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/fr\/como-negociar-divida-no-cheque-especial\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment n\u00e9gocier un d\u00e9couvert\">\n            Comment n\u00e9gocier un d\u00e9couvert        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            D\u00e9couvrez d\u00e8s maintenant comment n\u00e9gocier un d\u00e9couvert et sortir du rouge une fois pour toutes.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/fr\/como-negociar-divida-no-cheque-especial\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-negociar-divida-no-cheque-especial\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/negocie.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Comment n\u00e9gocier un d\u00e9couvert              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/como-negociar-divida-no-cheque-especial\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continue de lire                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vous resterez sur le m\u00eame site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"6-crie-uma-reserva-de-emerg%C3%AAncia-\"><strong>Cr\u00e9er un fonds d&#039;urgence<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Crie uma reserva de emerg\u00eancia\"  id=\"18603\" src=\"https:\/\/ucarecdn.com\/5c1202bf-48f8-4210-9043-8b48ceb805a7\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Cr\u00e9er un fonds d&#039;urgence<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Comme nous l&#039;avons dit pr\u00e9c\u00e9demment, il est essentiel que vous disposiez d&#039;un bon fonds d&#039;urgence. Alors faites-en un objectif financier essentiel ! Essayez de trouver des solutions pour pouvoir \u00e9pargner chaque mois un montant pour cette r\u00e9serve d&#039;urgence.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et aussi petit soit-il, ce montant fera toute la diff\u00e9rence lorsque vous aurez besoin d\u2019argent. Alors, disciplinez-vous pour maintenir vos objectifs d\u2019\u00e9pargne, notamment en cr\u00e9ant un fonds d\u2019urgence.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Consid\u00e9rez donc l\u2019argent de cette r\u00e9serve comme une d\u00e9pense mensuelle essentielle, et ne manquez jamais de s\u00e9parer ce montant de votre revenu mensuel lors de votre planification financi\u00e8re.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En cr\u00e9ant ces habitudes, vous am\u00e9liorerez automatiquement votre rapport \u00e0 l\u2019argent et en tirerez de nombreux r\u00e9sultats positifs, rassurez-vous !<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZiblbE\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/fr\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment cr\u00e9er un fonds d&#039;urgence\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/coins-2512279_640.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/fr\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment cr\u00e9er un fonds d&#039;urgence\">\n            Comment cr\u00e9er un fonds d&#039;urgence        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Savez-vous ce que c&#039;est et \u00e0 quel point il est important de cr\u00e9er un fonds d&#039;urgence ? D\u00e9couvrez-le maintenant et ne restez pas dans le rouge.        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/fr\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorpanda.com\/fr\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/coins-2512279_640.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Comment cr\u00e9er un fonds d&#039;urgence              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/o-que-e-e-como-fazer-uma-reserva-de-emergencia\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Continue de lire                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Vous resterez sur le m\u00eame site              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"7-evite-parcelamentos-longos-\"><strong>\u00c9vitez les longs versements<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Evite parcelamentos longos\"  id=\"18604\" src=\"https:\/\/ucarecdn.com\/b4602668-0dc5-44ca-b5a4-f55e886428c1\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">\u00c9vitez les longs versements<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>L\u2019une des plus grandes erreurs des gens est de se perdre dans de nombreux paiements \u00e9chelonn\u00e9s. Parce qu&#039;acheter en plusieurs fois peut donner la fausse impression que vous d\u00e9pensez moins, car la valeur est dilu\u00e9e. Mais des taux d&#039;int\u00e9r\u00eat peuvent s&#039;appliquer sur les versements, ne l&#039;oubliez pas, surtout pour les longs versements.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et aussi, plus le versement est important, plus vous risquez de vous perdre au milieu de tant de d\u00e9penses \u00e9chelonn\u00e9es. En d\u2019autres termes, les versements s\u2019accumulent et ce qui semblait bon march\u00e9 et possible \u00e0 payer peut devenir un \u00e9norme casse-t\u00eate.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00c9vitez donc les longs versements. Mais si n\u00e9cessaire, notez et gardez une trace de tous les versements en cours dont vous disposez encore.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"8-n%C3%A3o-utilize-o-cheque-especial-ou-cr%C3%A9dito-rotativo-\"><strong>N&#039;utilisez pas de ch\u00e8ques sp\u00e9ciaux ni de cr\u00e9dit renouvelable<\/strong><\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"N\u00e3o utilize o cheque especial ou cr\u00e9dito rotativo\"  id=\"18605\" src=\"https:\/\/ucarecdn.com\/c865f589-e5cc-4d27-b47d-5af9387ce1f8\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">N&#039;utilisez pas de ch\u00e8ques sp\u00e9ciaux ni de cr\u00e9dit renouvelable<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un autre grand danger dans une bonne relation avec l\u2019argent est d\u2019autoriser les dettes avec des ch\u00e8ques sp\u00e9ciaux ou un cr\u00e9dit renouvelable sur votre carte de cr\u00e9dit.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Parce que ces dettes ont les taux d&#039;int\u00e9r\u00eat les plus \u00e9lev\u00e9s du march\u00e9 national, atteignant jusqu&#039;\u00e0 400% par an dans le cas de la carte renouvelable. Beaucoup d\u2019argent pour payer les int\u00e9r\u00eats, n\u2019est-ce pas ?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, pour \u00e9viter tout type de probl\u00e8me qui pourrait entra\u00eener davantage d\u2019endettement, vous devez \u00e9viter \u00e0 tout prix d\u2019utiliser un ch\u00e8que sp\u00e9cial ou de ne pas pouvoir payer la facture de votre carte. Gardez donc toujours un \u0153il sur vos d\u00e9penses de carte de cr\u00e9dit et le solde de votre compte bancaire.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cr\u00e9ez ces habitudes et, avec le temps, vous verrez qu&#039;il ne sera pas difficile d&#039;am\u00e9liorer votre relation avec l&#039;argent. Tu vas sentir la diff\u00e9rence.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"9-pare-de-usar-o-cart%C3%A3o-de-cr%C3%A9dito-para-melhorar-sua-rela%C3%A7%C3%A3o-com-o-dinheiro\"><strong>Arr\u00eatez d&#039;utiliser votre carte de cr\u00e9dit<\/strong> pour am\u00e9liorer votre rapport \u00e0 l&#039;argent<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Pare de usar o cart\u00e3o de cr\u00e9dito para melhorar sua rela\u00e7\u00e3o com o dinheiro\"  id=\"18606\" src=\"https:\/\/ucarecdn.com\/a7f9cd8e-a710-410d-b8b2-848fa579bf6d\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Arr\u00eatez d&#039;utiliser les cartes de cr\u00e9dit pour am\u00e9liorer votre relation avec l&#039;argent<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une autre attitude qui fera toute la diff\u00e9rence dans votre rapport \u00e0 l\u2019argent est de r\u00e9duire l\u2019utilisation des cartes de cr\u00e9dit. Ou arr\u00eatez compl\u00e8tement de l\u2019utiliser\u00a0! C&#039;est vrai, si vous \u00eates d\u00e9j\u00e0 endett\u00e9 et que vous avez beaucoup de dettes, il est temps d&#039;oublier compl\u00e8tement votre carte de cr\u00e9dit.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Parce que la plupart des gens finissent par d\u00e9penser plus que ce qu\u2019ils peuvent se permettre, simplement parce que l\u2019argent semble facile. Puisque la facture n&#039;arrive que le mois prochain et que d&#039;ici l\u00e0, vous ne r\u00e9aliserez m\u00eame pas combien vous avez d\u00e9j\u00e0 d\u00e9pens\u00e9 avec votre carte de cr\u00e9dit, n&#039;est-ce pas ?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il existe donc un risque \u00e9lev\u00e9 de d\u00e9faut de paiement sur votre facture de carte. Et puis vous vous endettez avec le taux d\u2019int\u00e9r\u00eat renouvelable de votre carte de cr\u00e9dit, l\u2019un des plus \u00e9lev\u00e9s du Br\u00e9sil ! Cela ne vaut donc pas le risque pour ceux qui ont d\u00e9j\u00e0 besoin d\u2019am\u00e9liorer leur rapport \u00e0 l\u2019argent, n\u2019est-ce pas ?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vous pouvez donc commencer par essayer de r\u00e9duire au minimum vos d\u00e9penses par carte. Et au fil du temps, celle-ci diminue jusqu\u2019\u00e0 ce que votre facture mensuelle atteigne z\u00e9ro. Ce sera certainement gratifiant de voir la facture pr\u00eate \u00e0 payer, non ?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"10-aprenda-a-investir-para-melhorar-sua-rela%C3%A7%C3%A3o-com-o-dinheiro-\"><strong>Apprenez \u00e0 investir pour am\u00e9liorer votre rapport \u00e0 l&#039;argent<\/strong><\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Aprenda a investir para melhorar sua rela\u00e7\u00e3o com o dinheiro\"  id=\"18607\" src=\"https:\/\/ucarecdn.com\/1a957dfd-72cf-4629-a2d6-3a2a64f34cc9\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" style=\" font-weight: bold;\">Apprenez \u00e0 investir pour am\u00e9liorer votre rapport \u00e0 l&#039;argent<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Avant tout, vous devez comprendre qu\u2019il existe de bonnes options en mati\u00e8re d\u2019actifs de placement dans lesquelles investir votre argent et le rentabiliser. Il n\u2019est donc pas n\u00e9cessaire de laisser votre argent \u00e9pargn\u00e9 sur un compte d\u2019\u00e9pargne, qui a depuis longtemps cess\u00e9 d\u2019\u00eatre avantageux.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors renseignez-vous sur l\u2019\u00e9ducation financi\u00e8re et votre profil d\u2019investisseur. De cette fa\u00e7on, vous am\u00e9liorez votre relation avec l\u2019argent et vous le faites jouer en votre faveur ! Au lieu de laisser votre argent inutilis\u00e9, vous l\u2019\u00e9conomisez et le mettez \u00e0 profit. Tr\u00e8s int\u00e9ressant, n&#039;est-ce pas ?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et pour ceux qui souhaitent se lancer dans le monde des investissements, l\u2019un des actifs obligataires les plus int\u00e9ressants est le CDB (Bank Deposit Certificate). Parce qu&#039;il offre une garantie de protection des investissements, et pr\u00e9sente \u00e9galement de faibles risques gr\u00e2ce \u00e0 sa rentabilit\u00e9 pr\u00e9fix\u00e9e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Autrement dit, vous connaissez \u00e0 l\u2019avance quelle est la rentabilit\u00e9 de cet actif, ainsi que la moyenne des 12 ou 24 derniers mois. Et certainement, votre argent aura de meilleurs rendements que si vous le laissez simplement dans l\u2019\u00e9pargne, n\u2019est-ce pas ?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, faites des recherches suppl\u00e9mentaires sur les investissements, en particulier sur les CDB pour commencer, et cr\u00e9ez des strat\u00e9gies pour rentabiliser votre argent. De cette fa\u00e7on, vous am\u00e9liorez votre rapport \u00e0 l\u2019argent, vous d\u00e9barrassez de vos dettes et apprenez \u00e0 travailler avec votre \u00e9pargne afin d\u2019en multiplier la valeur.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Avez-vous vu tant de choses int\u00e9ressantes ? Et cela peut para\u00eetre tr\u00e8s complexe, mais ce n\u2019est pas le cas. Il vous suffit de conna\u00eetre vos priorit\u00e9s et d\u2019avoir le contr\u00f4le et l\u2019organisation de vos finances. Apr\u00e8s tout, ceux qui ont une vie financi\u00e8re organis\u00e9e et sans dettes vivent beaucoup plus sereinement ! Alors, mettez-vous au travail.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z26OJl9\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorpanda.com\/fr\/parcelar-dividas-vale-a-pena-fazer-isso\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Rembourser ses dettes : est-ce que \u00e7a vaut le coup ?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/woman-3261425_1280.jpg\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorpanda.com\/fr\/parcelar-dividas-vale-a-pena-fazer-isso\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Rembourser ses dettes : est-ce que \u00e7a vaut le coup ?\">\n            Rembourser ses dettes : est-ce que \u00e7a vaut le coup ?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            D\u00e9couvrez les avantages et les inconv\u00e9nients du paiement \u00e9chelonn\u00e9 de vos dettes impay\u00e9es. Et comprenez l\u2019importance d\u2019effacer votre nom.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorpanda.com\/fr\/parcelar-dividas-vale-a-pena-fazer-isso\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Continue de lire            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Mais ce n&#039;est pas! Alors consultez nos conseils pour vous faciliter la vie <\/p>","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[29,38],"tags":[125,124,65,39,251,105],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Melhorar sua rela\u00e7\u00e3o com o dinheiro em 2021: saiba como - Senhor Panda<\/title>\n<meta name=\"description\" content=\"Melhorar sua rela\u00e7\u00e3o com o dinheiro pode parecer algo complicado e dif\u00edcil. Mas n\u00e3o \u00e9! 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