{"id":19036,"date":"2021-03-17T19:41:24","date_gmt":"2021-03-17T19:41:24","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19036"},"modified":"2021-03-17T19:41:27","modified_gmt":"2021-03-17T19:41:27","slug":"planejamento-financeiro-4-viloes","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/planejamento-financeiro-4-viloes\/","title":{"rendered":"4 m\u00e9chants dans votre planification financi\u00e8re"},"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-planejamento-financeiro-em-2021-\"><strong>Planification financi\u00e8re 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=\"Planejamento Financeiro em 2021\"  id=\"19060\" src=\"https:\/\/ucarecdn.com\/175546f5-ad34-401b-9507-0b6fadbe8b5d\/\" 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;\">Planification financi\u00e8re 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>Savez-vous ce qu&#039;est la planification financi\u00e8re ? Parce que c&#039;est un outil indispensable \u00e0 votre vie. Avec lui, vous pourrez avoir une bonne organisation de vos finances, du budget de votre m\u00e9nage, de vos d\u00e9penses, de vos dettes, etc. Et tout cela fait partie d\u2019une planification qui veille \u00e0 ce que vos finances soient bien organis\u00e9es et que votre sant\u00e9 financi\u00e8re soit bonne.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et nous savons qu\u2019une bonne planification financi\u00e8re et une bonne organisation de votre vie financi\u00e8re peuvent faire toute la diff\u00e9rence dans la fa\u00e7on dont vous tirerez le meilleur parti de votre argent. Le pire, c&#039;est d&#039;\u00eatre au d\u00e9but de l&#039;ann\u00e9e et de se retrouver d\u00e9j\u00e0 plein de dettes et stress\u00e9 par la fa\u00e7on dont on va tout payer, 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>Ainsi, dans cet article nous avons rassembl\u00e9 une s\u00e9rie d\u2019informations et de conseils pour favoriser une bonne planification financi\u00e8re afin d\u2019\u00e9viter les m\u00e9chants qui entravent votre organisation financi\u00e8re.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Avez-vous appr\u00e9ci\u00e9? Alors continuez \u00e0 lire car nous vous aiderons \u00e0 \u00e9viter ces m\u00e9chants de la planification financi\u00e8re et \u00e0 vous sentir plus \u00e0 l\u2019aise avec vos d\u00e9penses et vos investissements.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>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=\"1-o-que-%C3%A9-um-planejamento-financeiro-bem-feito-\"><strong>Qu\u2019est-ce qu\u2019une planification financi\u00e8re bien faite ?<\/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=\"O que \u00e9 um planejamento financeiro bem feito?\"  id=\"19058\" src=\"https:\/\/ucarecdn.com\/78743859-70fd-4921-85b5-823ecc45e09f\/\" 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;\">Qu\u2019est-ce qu\u2019une planification financi\u00e8re bien faite ?<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Donc, de mani\u00e8re g\u00e9n\u00e9rale, pour pouvoir avoir une bonne planification financi\u00e8re il vous faudra :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Organisez le budget de votre m\u00e9nage\u00a0;<\/li><li>Ayez une bonne id\u00e9e de votre pointage de cr\u00e9dit\u00a0;<\/li><li>Conna\u00eetre votre situation par rapport aux dettes, pay\u00e9es et impay\u00e9es\u00a0;<\/li><li>Notez vos d\u00e9penses r\u00e9currentes et circonstancielles, \u00e0 long terme et \u00e0 court terme\u00a0;<\/li><li>Enfin, organisez bien vos finances personnelles.<\/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, il sera beaucoup plus facile et simple d\u2019atteindre une bonne sant\u00e9 financi\u00e8re dans votre vie. De cette fa\u00e7on, vous vivrez avec moins de stress concernant votre argent et vos d\u00e9penses. Et qui ne veut pas vivre plus paisiblement comme \u00e7a, 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>Mais jusqu\u2019\u00e0 pr\u00e9sent, nous n\u2019avons parl\u00e9 que de quelques moyens de maintenir votre organisation avec une bonne planification financi\u00e8re en termes g\u00e9n\u00e9raux. Cependant, pour ceux qui sont curieux et sentent qu\u2019ils ont besoin d\u2019am\u00e9liorer cet aspect de leur vie, continuez \u00e0 lire, cet article est pour vous !<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nous avons rassembl\u00e9 quelques informations sur les 5 principaux m\u00e9chants d\u2019une bonne planification financi\u00e8re. De cette fa\u00e7on, vous pourrez atteindre vos objectifs plus facilement et r\u00e9duire vos dettes et vos soucis !<\/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=\"2-4-vil%C3%B5es-do-seu-planejamento-financeiro-\"><strong>4 m\u00e9chants dans votre planification financi\u00e8re<\/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=\"4 vil\u00f5es do seu planejamento financeiro\"  id=\"19057\" src=\"https:\/\/ucarecdn.com\/739e10a4-82f8-4a6c-9124-27b8ae2215d6\/\" 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;\">4 m\u00e9chants dans votre planification financi\u00e8re<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vous devez donner une nouvelle direction \u00e0 votre vie financi\u00e8re cette ann\u00e9e. Et si vous lisez cet article, c\u2019est parce que vous savez d\u00e9j\u00e0 que vous devez changer votre fa\u00e7on de g\u00e9rer vos finances personnelles, 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>Et c&#039;est pourquoi nous allons parler des principaux m\u00e9chants de votre planification financi\u00e8re, pour vous aider \u00e0 les \u00e9viter et \u00e0 am\u00e9liorer votre sant\u00e9 financi\u00e8re dans son ensemble. Mais d\u2019abord, comprenez que vous pouvez vous-m\u00eame \u00eatre un m\u00e9chant en changeant vos habitudes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De nombreuses personnes \u00e9vitent la planification financi\u00e8re pour de mauvaises raisons, telles que\u00a0:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Je pense que c&#039;est compliqu\u00e9 ;<\/li><li>Penser qu\u2019il faut \u00eatre un expert pour savoir bien s\u2019organiser ;<\/li><li>Croire que la planification financi\u00e8re ne fait pas vraiment de diff\u00e9rence ;<\/li><li>Consid\u00e9rez la planification financi\u00e8re comme quelque chose que seuls ceux qui ont beaucoup d\u2019argent doivent faire.<\/li><li>Penser que seuls ceux qui sont endett\u00e9s doivent planifier financi\u00e8rement.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais rien de tout cela n\u2019est vrai ! Il est donc temps de vous mettre au travail et de commencer votre planification financi\u00e8re. Et pour cela, il est tr\u00e8s bien d\u2019\u00e9crire quels sont les 5 m\u00e9chants qui peuvent le plus vous emp\u00eacher d\u2019atteindre vos objectifs par rapport \u00e0 votre argent.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors continuez \u00e0 lire et consultez-le ci-dessous\u00a0!<\/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-parcelamentos-longos-\"><strong>Versements longs<\/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=\"Parcelamentos longos\"  id=\"19055\" src=\"https:\/\/ucarecdn.com\/f35554b2-600f-4334-8539-442b9fbe5f6c\/\" 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;\">Versements longs<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Comprenez que pour une bonne planification financi\u00e8re, les achats \u00e0 temp\u00e9rament sont de grands m\u00e9chants. Et la situation est encore pire s\u2019il s\u2019agit de versements importants, avec des taux d\u2019int\u00e9r\u00eat plus \u00e9lev\u00e9s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Parce qu&#039;acheter en plusieurs fois vous am\u00e8ne toujours plus facilement \u00e0 vous d\u00e9sorganiser et \u00e0 perdre le contr\u00f4le de vos finances, surtout si vous n&#039;effectuez pas d\u00e9j\u00e0 une bonne planification financi\u00e8re.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par exemple, si une personne se retrouve toujours endett\u00e9e \u00e0 la fin du mois parce qu\u2019elle a plusieurs \u00e9ch\u00e9ances diff\u00e9rentes qui s\u2019accumulent chaque mois. Et sans planification financi\u00e8re, vous ne pouvez pas g\u00e9rer correctement la somme d\u2019argent qui part chaque mois avec de simples versements. Vous n\u2019avez \u00e9galement aucune id\u00e9e de combien vous finissez par d\u00e9penser uniquement en taux d\u2019int\u00e9r\u00eat pour des achats \u00e0 long terme.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Le conseil est donc le suivant\u00a0: \u00e9vitez autant que possible les versements, en particulier les versements longs avec des taux d\u2019int\u00e9r\u00eat int\u00e9gr\u00e9s. Cela peut sembler une petite chose, mais \u00e0 long terme, ce que vous paierez uniquement en taux d\u2019int\u00e9r\u00eat peut repr\u00e9senter un montant tr\u00e8s \u00e9lev\u00e9 !<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, pour contourner ce m\u00e9chant de la bonne planification financi\u00e8re, voici quelques conseils :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Essayez toujours d&#039;acheter en esp\u00e8ces\u00a0;<\/li><li>Et utilisez au maximum l\u2019option de d\u00e9bit, pour ne pas perdre la trace de vos d\u00e9penses et d\u00e9passer le montant que vous gagnez mensuellement ;<\/li><li>Mais si vous devez payer en plusieurs versements, recherchez des options \u00e0 court terme sans taux d\u2019int\u00e9r\u00eat\u00a0;<\/li><li>Toutefois, en cas de besoin extr\u00eame de mensualit\u00e9s longues, gardez le contr\u00f4le sur cette d\u00e9pense qui deviendra mensuelle.&nbsp;<\/li><li>Ajoutez donc les versements \u00e0 votre planification financi\u00e8re et n&#039;oubliez pas que vous aurez cette d\u00e9pense pendant une certaine p\u00e9riode. Il lui faut donc \u00e9quilibrer les d\u00e9penses dans d\u2019autres domaines.<\/li><\/ul>\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-cr%C3%A9dito-rotativo-\"><strong>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=\"Cr\u00e9dito rotativo\"  id=\"19054\" src=\"https:\/\/ucarecdn.com\/bb84474d-2804-4f35-8bdb-5037dbb6412f\/\" 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\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>Le cr\u00e9dit renouvelable peut sembler une bonne option au d\u00e9but, lorsque vous n&#039;arrivez pas \u00e0 payer votre facture de carte de cr\u00e9dit. Mais ne vous y trompez pas, car c\u2019est un m\u00e9chant en mati\u00e8re de bonne planification financi\u00e8re.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Parce que le cr\u00e9dit renouvelable est le type de cr\u00e9dit que l&#039;institution financi\u00e8re vous propose comme option pour payer une partie de la valeur de la facture et r\u00e9partir le reste sur les factures ult\u00e9rieures. Et cela peut m\u00eame donner une fausse impression d\u2019all\u00e9gement et de paiement de la dette.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais ce n&#039;est qu&#039;une fausse impression. Car selon le nombre de versements que vous divisez en plusieurs fois votre facture, vous pourriez finir par accumuler des taux d\u2019int\u00e9r\u00eat et cr\u00e9er encore plus de dettes \u00e0 long terme.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et n\u2019oubliez pas que tout montant restant sur votre facture sera soumis \u00e0 un taux d\u2019int\u00e9r\u00eat. En d\u2019autres termes, plus les versements sont nombreux, plus le montant final que vous devrez payer \u00e0 l\u2019institution qui vous a accord\u00e9 le cr\u00e9dit est \u00e9lev\u00e9.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La dette augmente donc et devient une grosse boule de neige. Ainsi, la mani\u00e8re id\u00e9ale de maintenir une bonne planification financi\u00e8re est d\u2019\u00e9viter autant que possible de payer votre facture de carte de cr\u00e9dit en plusieurs versements !&nbsp;<\/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-planejamento-financeiro-para-quem-j%C3%A1-est%C3%A1-no-rotativo\">Planification financi\u00e8re pour ceux d\u00e9j\u00e0 en rotation<\/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=\"Planejamento financeiro para quem j\u00e1 est\u00e1 no rotativo\"  id=\"19053\" src=\"https:\/\/ucarecdn.com\/f8ae3bed-7707-4a67-8418-3bd41f694569\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Planification financi\u00e8re pour ceux d\u00e9j\u00e0 en rotation<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais pour ceux qui ont d\u00e9j\u00e0 craqu\u00e9 pour ce m\u00e9chant qu\u2019est le Rotary, vous pouvez penser \u00e0 :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Ayez toujours une id\u00e9e exacte du montant des int\u00e9r\u00eats que vous payez et du montant final \u00e0 payer pour la facture que vous avez pay\u00e9e en plusieurs fois\u00a0;<\/li><li>Ajoutez ce montant \u00e0 votre planification financi\u00e8re, afin de pouvoir r\u00e9\u00e9quilibrer vos finances afin de pouvoir payer ces versements et int\u00e9r\u00eats ;<\/li><li>Et si vous n\u2019arrivez vraiment pas \u00e0 rembourser la dette renouvelable, vous devez n\u00e9gocier votre dette avec l\u2019institution financi\u00e8re ;<\/li><li>Aussi, en dernier recours, il existe la possibilit\u00e9 d\u2019analyser un pr\u00eat avec des taux d\u2019int\u00e9r\u00eat inf\u00e9rieurs \u00e0 celui de la carte renouvelable, et d\u2019en faire la demande. Car si le pr\u00eat a des taux plus bas, il vaut mieux rembourser d\u2019abord la dette renouvelable.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais pour \u00e9viter cela, il est essentiel de maintenir une bonne planification financi\u00e8re. De plus, vous perdrez moins d\u2019argent en int\u00e9r\u00eats et en dettes et vous gagnerez quand m\u00eame beaucoup plus de tranquillit\u00e9 d\u2019esprit au final, n\u2019est-ce pas ?<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-CkPG5\">\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\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Le paiement minimum par carte de cr\u00e9dit en vaut-il la peine ?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/cartoes.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\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Le paiement minimum par carte de cr\u00e9dit en vaut-il la peine ?\">\n            Le paiement minimum par carte de cr\u00e9dit en vaut-il la peine ?        <\/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 pourquoi le paiement de votre facture minimale pourrait finir par vous nuire        <\/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\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  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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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\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  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\/cartoes.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                Le paiement minimum par carte de cr\u00e9dit en vaut-il la peine ?              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/pagamento-minimo-do-cartao-de-credito-vale-a-pena\/\"  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-compras-por-impulso-\"><strong>Achats impulsifs<\/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=\"Compras por impulso\"  id=\"19052\" src=\"https:\/\/ucarecdn.com\/8f6abf0e-2a65-47a5-a156-cc162046ac86\/\" 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;\">Achats impulsifs<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si vous avez fait votre planification financi\u00e8re, cela signifie que vous avez d\u00e9j\u00e0 analys\u00e9 vos habitudes de d\u00e9penses, vos dettes et vos attitudes qui doivent changer en 2021, n&#039;est-ce pas ? Et l\u2019un des principaux m\u00e9chants d\u2019une bonne planification financi\u00e8re est les fameuses d\u00e9penses impulsives.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et ce type de d\u00e9penses est souvent le principal obstacle au d\u00e9sendettement et aux \u00e9conomies. Souvent, ce sont ces achats impulsifs en ligne, dans des applications, des choses dont nous n&#039;avions finalement pas vraiment besoin et qui ruinent toute planification financi\u00e8re que vous avez faite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, si vous remarquez cette tendance en mati\u00e8re de d\u00e9penses l\u2019ann\u00e9e pr\u00e9c\u00e9dente, elle devrait figurer sur votre liste d\u2019attitudes \u00e0 revoir lors de la planification financi\u00e8re cette ann\u00e9e. Mais attention : il ne faut pas arr\u00eater de d\u00e9penser et se priver de petits plaisirs, mais faites-le consciemment et de mani\u00e8re bien g\u00e9r\u00e9e.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Autrement dit, avant de faire ces achats impulsifs, r\u00e9fl\u00e9chissez bien aux situations suivantes :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>La d\u00e9pense est-elle vraiment n\u00e9cessaire en ce moment ?<\/li><li>Puis-je payer pour cela maintenant ou \u00e0 l&#039;avenir\u00a0?<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si la r\u00e9ponse est non \u00e0 ces deux questions, il est temps de r\u00e9duire ces d\u00e9penses une fois pour toutes !<\/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=\"7-d%C3%ADvidas-\"><strong>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=\"D\u00edvidas\"  id=\"19051\" src=\"https:\/\/ucarecdn.com\/5e3a2932-baba-4fb5-81c3-fe27bff9d53a\/\" 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;\">Dettes<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C\u2019est l\u2019un des m\u00e9chants les plus c\u00e9l\u00e8bres parmi les personnes qui n\u2019ont pas une bonne planification financi\u00e8re. Oui, ceux qui ne parviennent pas \u00e0 s\u2019organiser peuvent s\u2019endetter beaucoup plus facilement. Et pas seulement, car elle devient plus vuln\u00e9rable \u00e0 l\u2019endettement risqu\u00e9 et au surendettement.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mais pour \u00e9viter une fois pour toutes le m\u00e9chant de l\u2019endettement, vous devez planifier, fixer des objectifs et changer vos habitudes. Tout d\u2019abord, organisez vos dettes impay\u00e9es, v\u00e9rifiez lesquelles sont les plus importantes et ont les taux d\u2019int\u00e9r\u00eat les plus \u00e9lev\u00e9s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Essayez donc de r\u00e9fl\u00e9chir \u00e0 ceux qui peuvent \u00eatre rembours\u00e9s en premier et \u00e0 ceux qui peuvent \u00eatre ren\u00e9goci\u00e9s. De cette fa\u00e7on, vous pouvez b\u00e9n\u00e9ficier de dur\u00e9es plus longues ou de taux d\u2019int\u00e9r\u00eat encore plus bas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une bonne planification financi\u00e8re implique donc \u00e9galement d\u2019organiser et de contr\u00f4ler les dettes existantes. Mais aussi en changeant les mentalit\u00e9s pour \u00e9viter l\u2019\u00e9mergence de nouvelles dettes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, contr\u00f4lez vos d\u00e9penses inutiles, essayez de r\u00e9duire les d\u00e9penses l\u00e0 o\u00f9 vous le pouvez et concentrez-vous sur le remboursement de vos dettes. Par la suite, pr\u00e9voyez de ne jamais d\u00e9penser plus que ce que vous gagnez, en \u00e9vitant les pr\u00eats et les versements excessifs.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et bien s\u00fbr, une bonne planification financi\u00e8re fera toute la diff\u00e9rence. Mais comment faire cela ? C&#039;est ce que nous allons expliquer ensuite. Alors continuez \u00e0 lire et v\u00e9rifiez-le\u00a0!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1qGFQx\">\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-se-livrar-das-dividas-em-2021\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment se d\u00e9barrasser de la dette en 2021\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/money-5530537_640.png\" 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-se-livrar-das-dividas-em-2021\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment se d\u00e9barrasser de la dette en 2021\">\n            Comment se d\u00e9barrasser de la dette en 2021        <\/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            Comprenez les bonnes strat\u00e9gies pour rembourser vos dettes et \u00e9viter d\u2019en cr\u00e9er de nouvelles cette ann\u00e9e\u00a0!        <\/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-se-livrar-das-dividas-em-2021\/\"  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 comment avoir une bonne planification ? Alors, 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=\"9-entenda-melhor-suas-finan%C3%A7as-pessoais-\"><strong>Mieux comprendre vos finances personnelles<\/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 melhor suas finan\u00e7as pessoais\"  id=\"19048\" src=\"https:\/\/ucarecdn.com\/bdcc2f2a-821f-416b-9230-0cc0935bd439\/\" 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;\">Mieux comprendre vos finances personnelles<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pour pouvoir r\u00e9aliser une bonne planification financi\u00e8re et commencer \u00e0 mieux prendre soin de votre argent cette ann\u00e9e, vous devez comprendre le profil de vos finances personnelles. Autrement dit, vous devez vous arr\u00eater et r\u00e9fl\u00e9chir \u00e0 vos habitudes par rapport \u00e0 vos finances, comme :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Vous avez beaucoup de dettes \u00e0 rembourser et pourtant vous continuez \u00e0 en accumuler davantage ?<\/li><li>Mais en g\u00e9n\u00e9ral, finissez-vous par d\u00e9penser plus que ce que vous gagnez ?<\/li><li>Et en ce qui concerne les d\u00e9penses qui ne sont pas essentielles : finissez-vous par perdre le contr\u00f4le et d\u00e9penser plus que vous n&#039;auriez d\u00fb pour cela ?<\/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, il sera possible d\u2019\u00e9laborer plus facilement une strat\u00e9gie pour changer vos mauvaises attitudes et, bien s\u00fbr, vous pourrez \u00e9galement renforcer les bonnes attitudes. Et vous pourrez \u00e9galement atteindre plus facilement vos objectifs financiers pour cette ann\u00e9e.<\/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=\"10-procure-uma-ferramenta-de-planejamento-financeiro-\"><strong>Recherchez un outil de planification financi\u00e8re&nbsp;<\/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=\"Procure uma ferramenta de planejamento financeiro\u00a0\"  id=\"19047\" src=\"https:\/\/ucarecdn.com\/4a68d1b2-6639-4cfa-955c-b95d4c6a26e0\/\" 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;\">Recherchez un outil de planification financi\u00e8re\u00a0<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pour ceux qui pourraient avoir plus de difficult\u00e9s \u00e0 faire une planification financi\u00e8re, sachez qu\u2019il existe de nombreuses options d\u2019application et m\u00eame des feuilles de calcul pour faciliter la planification. Cela simplifie le processus de gestion de vos finances personnelles.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Recherchez donc des applications et des feuilles de calcul pr\u00e9sentant les caract\u00e9ristiques suivantes\u00a0:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Bonne interface et pratique \u00e0 utiliser, sans les difficult\u00e9s d&#039;apprendre son fonctionnement ;<\/li><li>Bonnes notes et bons commentaires des utilisateurs sur l&#039;application\u00a0;<\/li><li>De plus, il est int\u00e9ressant de pouvoir adapter la planification \u00e0 votre r\u00e9alit\u00e9 financi\u00e8re et \u00e0 vos objectifs ;<\/li><li>Enfin, quelque chose d&#039;essentiel est de synchroniser toutes les donn\u00e9es entre vos appareils, avec votre planification toujours disponible pour que vous puissiez la g\u00e9rer sur n&#039;importe quel appareil.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Et vous pouvez choisir des outils qui peuvent vous aider dans la planification financi\u00e8re de diff\u00e9rentes mani\u00e8res\u00a0: des facilitateurs d&#039;achats, des gestionnaires de placements, des gestionnaires de soldes bancaires et m\u00eame des feuilles de calcul pr\u00eates \u00e0 l&#039;emploi pour contr\u00f4ler le budget de votre m\u00e9nage.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par cons\u00e9quent, pour vous faciliter la vie, nous vous proposons quelques options. D\u00e9couvrez de bons outils pour votre planification financi\u00e8re\u00a0:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Organizze : fonctionne en ligne ou hors ligne, et facilite votre organisation financi\u00e8re dans son ensemble ;<\/li><li>IDEC : tableur qui facilite le budget de votre foyer, il est personnalisable ;<\/li><li>Mon \u00e9pargne\u00a0: vous aide \u00e0 planifier vos d\u00e9penses en mati\u00e8re de cartes de cr\u00e9dit, d&#039;achats \u00e0 temp\u00e9rament, etc. Vous pouvez synchroniser l&#039;application avec vos comptes bancaires et contr\u00f4ler plusieurs comptes en m\u00eame temps\u00a0;<\/li><li>Finance\u00a0: cr\u00e9e une liste de courses et vous aide \u00e0 mettre \u00e0 jour les prix de ce que vous avez l&#039;intention d&#039;acheter.&nbsp;<\/li><\/ul>\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=\"11-tenha-suas-metas-financeiras-\"><strong>Ayez vos objectifs financiers<\/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=\"Tenha suas metas financeiras\"  id=\"19046\" src=\"https:\/\/ucarecdn.com\/f76b6ff5-182b-4b3b-a95b-05ed720a72a0\/\" 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;\">Ayez vos objectifs financiers<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sachez ce que vous voulez r\u00e9aliser en g\u00e9rant vos finances. Et il peut s\u2019agir d\u2019objectifs \u00e0 long, moyen ou court terme.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bref, pour avoir de bons objectifs financiers dans votre planification, vous pouvez :<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Contr\u00f4ler ce qui entre et ce qui sort\u00a0;<\/li><li>\u00c9tablir des priorit\u00e9s r\u00e9alistes\u00a0;<\/li><li>Pensez aux habitudes et attitudes qui devraient changer ;<\/li><li>Et respectez toujours vos objectifs financiers, pensez \u00e0 ce que vous ressentirez lorsque vous obtiendrez ce que vous d\u00e9sirez tant\u00a0!<\/li><\/ul>\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=\"12-seja-um-consumidor-consciente-\"><strong>Soyez un consommateur conscient<\/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=\"Seja um consumidor consciente\"  id=\"19045\" src=\"https:\/\/ucarecdn.com\/e6a61f59-0a10-4b75-8b14-1d47b4b996e6\/\" 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;\">Soyez un consommateur conscient<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En d\u2019autres termes, d\u00e9pensez en sachant pour quoi vous d\u00e9pensez et si cela est n\u00e9cessaire pour le moment. Pratiquer une consommation consciente est essentiel pour maintenir ses finances personnelles gr\u00e2ce \u00e0 une bonne planification financi\u00e8re. Ainsi, en abandonnant les habitudes de consommation inconscientes et inutiles, vous pourrez mieux prendre soin de votre argent.<\/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=\"13-planeje-investir-seu-dinheiro-\"><strong>Pr\u00e9voyez d&#039;investir votre argent<\/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=\"Planeje investir seu dinheiro\"  id=\"19044\" src=\"https:\/\/ucarecdn.com\/9d510f9b-facc-46ae-a7b4-726c59bd8973\/\" 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;\">Pr\u00e9voyez d&#039;investir 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>Parce qu\u2019investir devient de plus en plus facile. Et il suffit de s\u2019organiser pour cela, en cr\u00e9ant une r\u00e9serve financi\u00e8re juste pour investir. Par cons\u00e9quent, les attitudes qui vous aideront \u00e0 commencer \u00e0 investir de l\u2019argent&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Suivez votre planification financi\u00e8re pour mettre de c\u00f4t\u00e9 une partie de vos revenus mensuellement et ainsi \u00e9pargner une bonne somme ;<\/li><li>Avec cette valeur, vous pouvez commencer \u00e0 \u00e9tudier quels types d\u2019actifs d\u2019investissement sont les plus adapt\u00e9s \u00e0 votre profil d\u2019investisseur ;<\/li><li>De plus, vous devez rechercher et comparer toutes les plateformes d\u2019investissement num\u00e9rique disponibles. Alors, effectuez des simulations de vos investissements, recherchez les taux et les types d&#039;actifs d&#039;investissement que propose chaque maison de courtage.&nbsp;<\/li><\/ul>\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=\"14-corte-servi%C3%A7os-desnecess%C3%A1rios-\"><strong>Supprimez les services inutiles<\/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=\"Corte servi\u00e7os desnecess\u00e1rios\"  id=\"19043\" src=\"https:\/\/ucarecdn.com\/64512a2a-7c2b-4fac-93e4-7a83b20e8ea4\/\" 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;\">Supprimez les services inutiles<\/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, dans votre planification financi\u00e8re, faites une liste de tous les services que vous avez souscrits et que vous payez mensuellement ou annuellement. Rassemblez-les tous et demandez-vous si vous n\u2019en avez pas utilis\u00e9 r\u00e9cemment ou lequel vous n\u2019avez jamais utilis\u00e9.<\/p>\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 \u00e9liminerez les services inutiles et il sera plus facile de commencer \u00e0 mieux prendre soin de l\u2019argent qui sort de votre compte.<\/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=\"15-agora-%C3%A9-s%C3%B3-colocar-em-pr%C3%A1tica\">Maintenant, mettez-le en pratique\u00a0!<\/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=\"Agora \u00e9 s\u00f3 colocar em pr\u00e1tica!\"  id=\"19042\" src=\"https:\/\/ucarecdn.com\/45a684f6-8024-4a21-b8a8-54eb769c1be5\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Maintenant, mettez-le en pratique\u00a0!<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Nous arrivons donc \u00e0 la fin de notre article avec une s\u00e9rie de conseils et d\u2019informations pour vous aider \u00e0 perdre votre peur de faire votre planification financi\u00e8re. Ainsi, vous r\u00e9aliserez que vous avez commenc\u00e9 \u00e0 mieux prendre soin de l\u2019argent dont vous disposez et que vous \u00eates capable de vous fixer des objectifs et d\u2019atteindre ces objectifs.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z28cI9j\">\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-organizar-suas-financas-passo-a-passo\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Comment organiser vos finances \u00e9tape par \u00e9tape\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorpanda.com\/wp-content\/uploads\/2021\/03\/cdb.png\" 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-organizar-suas-financas-passo-a-passo\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Comment organiser vos finances \u00e9tape par \u00e9tape\">\n            Comment organiser vos finances \u00e9tape par \u00e9tape        <\/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            Organiser ses finances peut sembler une t\u00e2che simple, mais c&#039;est une t\u00e2che tr\u00e8s importante, car un manque d&#039;organisation peut entra\u00eener des probl\u00e8mes tr\u00e8s graves.        <\/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-organizar-suas-financas-passo-a-passo\/\"  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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