{"id":19631,"date":"2021-03-25T15:38:27","date_gmt":"2021-03-25T15:38:27","guid":{"rendered":"https:\/\/senhorpanda.com\/?p=19631"},"modified":"2021-03-25T15:38:30","modified_gmt":"2021-03-25T15:38:30","slug":"como-nao-pagar-mais-contas-em-atraso","status":"publish","type":"post","link":"https:\/\/senhorpanda.com\/fr\/como-nao-pagar-mais-contas-em-atraso\/","title":{"rendered":"Comment arr\u00eater de payer des factures en retard"},"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-contas-em-atraso-\"><strong>Comptes en souffrance<\/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=\"Contas em atraso (Imagem: JornalExclusivo)\"  id=\"19688\" src=\"https:\/\/ucarecdn.com\/35fbe664-aee6-40cf-88f7-480bee83a4c1\/\" 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;\">Factures en souffrance (Image : JornalExclusivo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De nombreuses personnes souffrent de diverses <strong>factures en souffrance<\/strong>. La r\u00e9alit\u00e9 \u00e9conomique du pays contribue sans aucun doute \u00e0 tout cela. Les Br\u00e9siliens sont confront\u00e9s chaque jour \u00e0 une nouvelle difficult\u00e9.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il est donc essentiel de rechercher des alternatives pour inverser cette situation. De cette fa\u00e7on, il est possible de sortir du rouge et de commencer \u00e0 investir dans vos propres projets. Cependant, c\u2019est une t\u00e2che qui n\u00e9cessite beaucoup de recherche et d\u2019efforts.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pour vous aider, nous avons pr\u00e9par\u00e9 ce guide complet. Ici, vous saurez comment vous d\u00e9barrasser <strong>factures en souffrance<\/strong>. D\u00e9couvrez comment certaines attitudes peuvent vous rapprocher de l\u2019autonomie financi\u00e8re.<\/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-como-n%C3%A3o-pagar-mais-contas-em-atraso-\"><strong>Comment arr\u00eater de payer des factures en retard<\/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=\"Como n\u00e3o pagar mais contas em atraso (Imagem: UOL)\"  id=\"19690\" src=\"https:\/\/ucarecdn.com\/ca4f0cd1-e6a8-4797-b400-80ff91d02e79\/\" 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;\">Comment arr\u00eater de payer les factures en retard (Image\u00a0: UOL)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il s\u2019agit d\u2019un projet difficile pour quiconque est d\u00e9j\u00e0 endett\u00e9. Or, il existe sans doute des alternatives int\u00e9ressantes pour atteindre ce niveau. Donc, avant tout, vous devez \u00eatre conscient de votre situation financi\u00e8re. Ce n\u2019est qu\u2019alors qu\u2019une d\u00e9cision pourra \u00eatre prise.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vous trouverez plus tard des astuces infaillibles pour vous sortir de cette situation. Bient\u00f4t, vous verrez que certains \u00e9l\u00e9ments se r\u00e9p\u00e8tent toujours. Pour \u00e9liminer les retards, vous devez les \u00e9viter.<\/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-descubra-como-manter-suas-contas-em-dia-\"><strong>D\u00e9couvrez comment maintenir vos comptes \u00e0 jour<\/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=\"Descubra como manter suas contas em dia (Imagem: Pinterest)\"  id=\"19691\" src=\"https:\/\/ucarecdn.com\/23a8a1b3-052c-4378-9962-e3d4c41e0408\/\" 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;\">D\u00e9couvrez comment maintenir vos factures \u00e0 jour (Image\u00a0:\u00a0Pinterest)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Le mot cl\u00e9 est organisation. Vous devez conna\u00eetre toutes vos dettes \u00e0 l\u2019avance. Vous ne pourrez pas tout payer \u00e0 temps si vous ne vous souvenez m\u00eame pas de ce que vous devez. Par cons\u00e9quent, faites un plan complet de vos finances.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Au d\u00e9but, si vous \u00eates d\u00e9j\u00e0 endett\u00e9, s\u2019organiser ne sera pas simple. Cependant, ne vous d\u00e9couragez pas. Gardez \u00e0 l\u2019esprit que le r\u00e9sultat final vaut toujours tous les efforts d\u00e9ploy\u00e9s.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1ON0hg\">\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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"5 conseils pour d\u00e9marrer votre contr\u00f4le financier\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0a09766c-477b-4d0f-aeda-18f3357ee02d\/\" 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\/5-dicas-para-iniciar-seu-controle-financeiro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"5 conseils pour d\u00e9marrer votre contr\u00f4le financier\">\n            5 conseils pour d\u00e9marrer votre contr\u00f4le financier        <\/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            Il existe plusieurs fa\u00e7ons de commencer la planification financi\u00e8re, y compris des applications qui peuvent vous aider dans ce processus\u00a0! D\u00e9couvrez les conseils incontournables que nous avons rassembl\u00e9s pour vous        <\/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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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:\/\/cdn.adtechpanda.com\/0a09766c-477b-4d0f-aeda-18f3357ee02d\/\">          \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                5 conseils pour d\u00e9marrer votre contr\u00f4le financier              <\/p>\n              <a href=\"https:\/\/senhorpanda.com\/fr\/5-dicas-para-iniciar-seu-controle-financeiro\/\"  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<h2 id=\"3-por-que-%C3%A9-importante-n%C3%A3o-pagar-contas-em-atraso-\"><strong>Pourquoi est-il important de ne pas payer les factures en retard ?<\/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=\"Por que \u00e9 importante manter suas contas em dia? (Imagem: Organizze)\"  id=\"19695\" src=\"https:\/\/ucarecdn.com\/5fb12413-c26b-42c7-8e74-efac7177a8e3\/\" 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;\">Pourquoi est-il important de tenir ses comptes \u00e0 jour ? (Image\u00a0: Organiser)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Avez-vous d\u00e9j\u00e0 entendu le terme boule de neige ? Lorsque vous avez <strong>factures en souffrance<\/strong>, vous entrez dans un univers chaotique. Ainsi, vous devrez toujours de l\u2019argent et vous pourrez dire adieu \u00e0 la tranquillit\u00e9 d\u2019esprit. \u00catre endett\u00e9 affecte tous les aspects de votre vie, tant personnels que professionnels.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Voyons donc les cons\u00e9quences de vous retrouver dans cette situation. Sachez que ce sont exactement les raisons pour lesquelles vous essayez de vous d\u00e9barrasser de ce statut.<\/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=\"4-1-estresse-emocional-\"><strong>1- Stress \u00e9motionnel<\/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=\"1- Estresse emocional (Imagem: Telavita)\"  id=\"19697\" src=\"https:\/\/ucarecdn.com\/b1ae6f1d-4e34-4897-b797-1d4dffa8ac90\/\" 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;\">1- Stress \u00e9motionnel (Image : Telavita)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Imaginez savoir que vous devez de l\u2019argent et ne penser \u00e0 aucune solution efficace pour vous en sortir. Le stress et l\u2019anxi\u00e9t\u00e9 que cela provoque sont absurdes. Donc, vous \u00eates tout le temps fatigu\u00e9, \u00e0 la recherche de possibilit\u00e9s.<\/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=\"5-2-sem-credibilidade-\"><strong>2- Aucune cr\u00e9dibilit\u00e9<\/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=\"2- Sem credibilidade (Imagem: CollbusinessNews)\"  id=\"19698\" src=\"https:\/\/ucarecdn.com\/a475cd73-ae6d-4fdf-a768-ff058edbac81\/\" 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;\">2- Aucune cr\u00e9dibilit\u00e9 (Image : CollbusinessNews)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Personne ne fait confiance \u00e0 quelqu\u2019un qui est endett\u00e9. Cela est particuli\u00e8rement vrai lorsqu\u2019il s\u2019agit de banques et d\u2019institutions financi\u00e8res. Obtenir une marge de cr\u00e9dit est donc beaucoup plus compliqu\u00e9 que d\u2019habitude.<\/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=\"6-3-sem-perspectiva-de-futuro-\"><strong>3- Aucune perspective d&#039;avenir<\/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=\"3- Sem perspectiva de futuro (Imagem: Decep\u00e7\u00f5esCorporativas)\"  id=\"19699\" src=\"https:\/\/ucarecdn.com\/b3f48e9b-e244-4495-9e0b-2ee0e3cf6e64\/\" 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;\">3- Aucune perspective d&#039;avenir (Image : Decep\u00e7\u00f5esCorporativas)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Quand on est coinc\u00e9 dans quelque chose, on ne peut pas avancer, n&#039;est-ce pas ? Dans le cas de la dette, la logique est la m\u00eame. Par cons\u00e9quent, il n\u2019y a aucun moyen de penser \u00e0 des projets futurs si votre pr\u00e9sent est dans un chaos complet.<\/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=\"7-o-que-acontece-se-voc%C3%AA-ficar-com-as-contas-em-atraso-\"><strong>Que se passe-t-il si vous \u00eates en retard sur vos factures ?<\/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 acontece se voc\u00ea ficar com as contas em atraso? (Imagem: Exame)\"  id=\"19700\" src=\"https:\/\/ucarecdn.com\/68167b8e-900b-42a7-bed0-1ef32c6dff83\/\" 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;\">Que se passe-t-il si vous \u00eates en retard sur vos factures ? (Image\u00a0: Examen)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hormis ce qui a d\u00e9j\u00e0 \u00e9t\u00e9 mentionn\u00e9 ci-dessus, vous ne pouvez pas vous d\u00e9velopper financi\u00e8rement. Il y aura donc toujours un probl\u00e8me \u00e0 r\u00e9soudre.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, vous pouvez oublier ce r\u00eave d\u2019avoir une vie meilleure. Cependant, calmez-vous. Nous vous donnerons des solutions pratiques pour ne plus avoir <strong>factures en souffrance<\/strong>. Avec eux, tout sera plus l\u00e9ger, croyez-moi.<\/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=\"8-dicas-para-n%C3%A3o-pagar-mais-contas-em-atraso-\"><strong>Conseils pour \u00e9viter de payer des factures en retard<\/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=\"Dicas para n\u00e3o pagar mais contas em atraso (Imagem: ParceirosdoFuturo)\"  id=\"19701\" src=\"https:\/\/ucarecdn.com\/0a09766c-477b-4d0f-aeda-18f3357ee02d\/\" 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;\">Conseils pour \u00e9viter de payer des factures en retard (Image : ParceirosdoFuturo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Beaucoup de gens pensent qu\u2019une fois qu\u2019un projet de loi est en retard, il n\u2019est plus possible de renverser la situation. Cependant, ils ne pourraient pas se tromper davantage. Oui, il existe des alternatives qui peuvent vous aider \u00e0 sortir de cette boule de neige.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bien entendu, tous ne fonctionnent pas de la m\u00eame mani\u00e8re pour tout le monde. Apr\u00e8s tout, chacun a sa propre r\u00e9alit\u00e9. C\u2019est donc dans cette optique que nous avons propos\u00e9 plusieurs options. De cette fa\u00e7on, tout ce que vous avez \u00e0 faire est de choisir ceux qui, selon vous, pourraient avoir le plus d\u2019effet.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Notez que les conseils ci-dessous sont pr\u00e9sent\u00e9s presque \u00e9tape par \u00e9tape. Ce n\u2019est n\u00e9anmoins pas un probl\u00e8me si vous souhaitez n\u2019en utiliser que certains. Alors regardez.<\/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=\"9-crie-um-planejamento-financeiro-\"><strong>Cr\u00e9er un plan financier<\/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=\"Crie um planejamento financeiro (Imagem: F360)\"  id=\"19702\" src=\"https:\/\/ucarecdn.com\/26b0336f-8841-4bd6-9448-d4cbdf2e17eb\/\" 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 plan financier (Image\u00a0: F360)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La premi\u00e8re chose que vous devez comprendre est que sans planification, rien n\u2019avancera. Peu importe si vous \u00eates d\u00e9j\u00e0 endett\u00e9 ou si vous essayez d\u2019\u00e9viter ce sc\u00e9nario. L\u2019organisation est un facteur d\u00e9terminant de votre r\u00e9ussite financi\u00e8re. Vous pouvez le chercher, personne n\u2019a r\u00e9ussi \u00e0 atteindre ce statut en travaillant dans le d\u00e9sordre.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prenez donc cette mesure tr\u00e8s au s\u00e9rieux. Une chose que vous pouvez faire est de lister toutes vos dettes. Alors, prenons ces dettes r\u00e9currentes, comme l\u2019IPVA. Enregistrez chacun d\u2019entre eux qui compromet votre revenu mensuel.<\/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, avec la date en vue, il devient plus facile de r\u00e9server l\u2019argent dont vous avez besoin. De plus, cela vous aide \u00e0 ne pas vous laisser surprendre. Croyez-moi, c&#039;est l&#039;une des pires choses qui puisse arriver.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bien s\u00fbr, cela et le fait de ne pas avoir les fonds n\u00e9cessaires pour couvrir ce qui est n\u00e9cessaire. Alors, aussi compliqu\u00e9 que cela puisse para\u00eetre au d\u00e9but, n\u2019abandonnez pas la planification. Pensez que si vous n\u2019\u00eates pas habitu\u00e9 \u00e0 une t\u00e2che, celle-ci sera \u00e9videmment plus difficile.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cependant, le temps r\u00e9sout facilement ce probl\u00e8me. M\u00eame plus tard, vous d\u00e9couvrirez certains outils qui rendront ce processus plus rapide et plus int\u00e9ressant \u00e0 r\u00e9aliser.<\/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-renegocie-d%C3%ADvidas-antigas-\"><strong>Ren\u00e9gocier d&#039;anciennes dettes<\/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=\"Renegocie d\u00edvidas antigas (Imagem: Foregon)\"  id=\"19704\" src=\"https:\/\/ucarecdn.com\/267d0d98-ec51-415c-93ea-5aef98fe80fa\/\" 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;\">Ren\u00e9gocier d\u2019anciennes dettes (Image : Foregon)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vous les connaissez <strong>factures en souffrance<\/strong> qui sont tr\u00e8s vieux et que vous n&#039;avez pas encore pu payer ? Vous pouvez les g\u00e9rer de mani\u00e8re plus pratique. Alors, suivez ces 3 \u00e9tapes ci-dessous et voyez comment r\u00e9soudre ce type de probl\u00e8me est possible.<\/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=\"11-1-todos-seus-c%C3%A1lculos-devem-ser-realistas-\"><strong>1- Tous vos calculs doivent \u00eatre r\u00e9alistes<\/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=\"1- Todos seus c\u00e1lculos devem ser realistas (Imagem: SunoResearch)\"  id=\"19707\" src=\"https:\/\/ucarecdn.com\/6c3df739-5955-4222-ba84-d69a62819984\/\" 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;\">1- Tous vos calculs doivent \u00eatre r\u00e9alistes (Image : SunoResearch)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mettez tous vos revenus sur papier. Ensuite, soustrayez les d\u00e9penses essentielles et voyez lesquelles peuvent \u00eatre supprim\u00e9es. Vous devez le faire avant de contacter la banque. En effet, ce dernier vous fera une proposition.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par cons\u00e9quent, si vous ne connaissez pas votre r\u00e9alit\u00e9 financi\u00e8re, vous ne pouvez signer aucun accord. En fait, vous le pouvez, mais vous finirez par subir du tort.<\/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=\"12-2-estude-o-contrato-\"><strong>2- \u00c9tudier le contrat<\/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=\"2- Estude o contrato (Imagem: Publicit\u00e1riosCriativos)\"  id=\"19709\" src=\"https:\/\/ucarecdn.com\/8f8a6041-ba8e-44f9-b3c0-8949541547a6\/\" 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;\">2- \u00c9tudier le contrat (Image : Publicit\u00e1riosCriativos)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Obtenez votre contrat de dette et lisez-le. V\u00e9rifiez qu&#039;il n&#039;y a pas d&#039;irr\u00e9gularit\u00e9s. Croyez-moi, les chances de trouver quelque chose qui ne va pas sont plus \u00e9lev\u00e9es que vous ne le pensez.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, si cela se produit, n\u2019h\u00e9sitez pas \u00e0 le signaler aux agences de protection des consommateurs. De cette fa\u00e7on, vous pourrez peut-\u00eatre am\u00e9liorer les conditions de paiement.<\/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=\"13-3-entre-em-contato-com-o-banco-\"><strong>3- Contacter la banque<\/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=\"3- Entre em contato com o banco (Imagem: Direitos)\"  id=\"19711\" src=\"https:\/\/ucarecdn.com\/6d85c456-6364-4657-bb4a-bf0c349e3940\/\" 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;\">3- Contacter la banque (Image : Droits)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Maintenant, disons que vous n&#039;avez trouv\u00e9 aucun d\u00e9faut \u00e0 votre ancien contrat. Il est donc temps de contacter la banque. En expliquant votre situation, ils vous proposeront une proposition. Cela doit s\u2019accompagner de meilleures conditions de paiement.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cependant, il ne pense pas qu&#039;il soit n\u00e9cessaire de signer le nouvel accord tout de suite, bien au contraire. Id\u00e9alement, il faudrait demander un d\u00e9lai pour l\u2019analyser sereinement. De plus, si vous le trouvez viable, pr\u00e9sentez une contre-proposition.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Alors, comprenez que ce n\u2019est pas le moment d\u2019\u00eatre timide. Ce n&#039;est qu&#039;ainsi que vous pourrez obtenir des solutions meilleures et plus efficaces pour votre poche.<\/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=\"14-crie-uma-lista-de-compras-de-supermercado-\"><strong>Cr\u00e9er une liste de courses<\/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=\"Crie uma lista de compras de supermercado (Imagem: IdeiasDecor)\"  id=\"19714\" src=\"https:\/\/ucarecdn.com\/11565685-87e7-443f-8d6c-69bc346b5d51\/\" 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 une liste de courses (Image\u00a0:\u00a0IdeiasDecor)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une grande coutume br\u00e9silienne est de ne pas faire de liste lorsqu\u2019on fait ses courses \u00e0 la maison. Le supermarch\u00e9 regorge d&#039;options. De cette fa\u00e7on, si vous ne savez pas ce que vous devez acheter, c&#039;est tout. Ainsi, vous finirez par vous perdre et par d\u00e9penser plus que vous n\u2019auriez d\u00fb.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par cons\u00e9quent, avant de quitter la maison, v\u00e9rifiez l\u2019int\u00e9gralit\u00e9 de votre r\u00e9serve de produits d\u2019\u00e9picerie. Ensuite, faites une liste de tout ce qui vous manque. De plus, vous pouvez r\u00e9pertorier les produits par ordre de priorit\u00e9. Par cons\u00e9quent, si vous avez une limite de d\u00e9penses, il est plus facile de ne pas la d\u00e9passer.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vient maintenant la partie difficile : ne c\u00e9dez pas aux tentations. Comme dit, vous y trouverez une vari\u00e9t\u00e9 de choses. Essayez donc d\u2019\u00eatre aussi fid\u00e8le que possible \u00e0 votre liste.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cependant, n&#039;en faites pas trop. L\u2019astuce est de vous faire des \u00e9conomies et de ne pas vous priver des choses essentielles. N&#039;oubliez pas qu&#039;en cas de doute, l&#039;\u00e9quilibre est toujours la meilleure solution. Bref, soyez conscient de ce que vous pouvez consommer.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, certains experts financiers affirment que faire un achat par mois est une erreur. En effet, vous finirez par acheter des choses inutiles ou des choses qui resteront. Ils conseillent donc de renouveler chaque semaine le stock de nourriture. De cette fa\u00e7on, vous n\u2019achetez que ce que vous utiliserez et \u00e9vitez le gaspillage.<\/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-cuidado-com-contas-em-atraso-do-cart%C3%A3o-de-cr%C3%A9dito-\"><strong>M\u00e9fiez-vous des factures de carte de cr\u00e9dit en souffrance<\/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=\"Cuidado com o cart\u00e3o de cr\u00e9dito (Imagem: MeuTudo)\"  id=\"19716\" src=\"https:\/\/ucarecdn.com\/ffd59092-38a0-4257-bf1f-3c7f5b5c3881\/\" 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 prudent avec votre carte de cr\u00e9dit (Image : MeuTudo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C&#039;est l&#039;une des principales causes de l&#039;endettement et <strong>factures en souffrance<\/strong>. Les cartes de cr\u00e9dit sont consid\u00e9r\u00e9es par de nombreuses personnes comme des m\u00e9chantes. En fait, il pourrait bien jouer ce r\u00f4le. Cependant, ce n&#039;est pas une r\u00e8gle. Le danger avec la carte est que vous pouvez utiliser plus que ce dont vous disposez. Autrement dit, il est possible de d\u00e9passer cette limite.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ainsi, lorsque cela se produit, vous devez g\u00e9rer les int\u00e9r\u00eats en plus des int\u00e9r\u00eats. Ensuite, il y a une autre boule de neige. Il est donc important de comprendre que vous pouvez utiliser cet outil. Dans ce cas, il suffit de planifier.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Beaucoup de gens pr\u00e9tendent que c&#039;est avantageux car vous n&#039;avez pas besoin d&#039;avoir de l&#039;argent liquide sur vous. C&#039;est effectivement vrai. En revanche, certains professionnels apportent un autre point de vue int\u00e9ressant. Ils pr\u00e9tendent que lorsqu\u2019on a de l\u2019argent en main, il est plus facile d\u2019avoir le contr\u00f4le.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>C&#039;est parce qu&#039;il est clair qu&#039;il part lorsqu&#039;il ach\u00e8te quelque chose. Dans le cas de la carte, cette sensation ne se produit pas. Par cons\u00e9quent, pour utiliser ce dernier, il existe un conseil utile : ne payez pas en plusieurs fois.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N&#039;achetez que ce que vous pourrez payer en une seule fois. Cela s\u2019applique particuli\u00e8rement \u00e0 ceux qui ont d\u00e9j\u00e0 des dettes impay\u00e9es. De plus, respectez toujours votre limite. Cependant, si vous pensez que vous ne pouvez pas faire cela, il n&#039;y a aucun moyen.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Retirez un peu cet outil. Lorsque vous serez lib\u00e9r\u00e9 de vos anciennes dettes, qui sait, peut-\u00eatre l\u2019utiliserez-vous \u00e0 nouveau ?<\/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=\"16-crie-uma-planilha-de-gastos-ou-utilize-um-app-para-n%C3%A3o-pagar-contas-em-atraso\"><strong>Cr\u00e9ez une feuille de calcul des d\u00e9penses ou utilisez une application<\/strong> pour \u00e9viter de payer des factures en retard<\/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=\"Crie uma planilha de gastos ou utilize um app (Imagem: TechTudo)\"  id=\"19717\" src=\"https:\/\/ucarecdn.com\/2af9db2c-ba31-4621-9c7d-9e1af613477f\/\" 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\u00e9ez une feuille de calcul de d\u00e9penses ou utilisez une application (Image\u00a0: TechTudo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vous vous souvenez que nous avons parl\u00e9 de planification ci-dessus\u00a0? Il est maintenant temps de d\u00e9couvrir quelques outils qui vous aideront \u00e0 la mettre en pratique. Le tableur est donc sans aucun doute l\u2019option la plus classique.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De plus, il existe plusieurs mod\u00e8les pr\u00eats \u00e0 l&#039;emploi sur Internet, vous n&#039;avez donc m\u00eame pas besoin d&#039;en cr\u00e9er un nouveau. Cependant, certaines applications sont \u00e9galement tr\u00e8s int\u00e9ressantes, il suffit d\u2019en regarder quelques-unes.<\/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=\"17-1-finance-\"><strong>1- Finances<\/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=\"1- Finance (Imagem: Pinterest)\"  id=\"19718\" src=\"https:\/\/ucarecdn.com\/d59483fe-293a-4b15-8ac3-9f5864c68f89\/\" 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;\">1- Finances (Image : Pinterest)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il s&#039;agit d&#039;un outil complet. Avec lui, vous pouvez enregistrer toutes vos transactions financi\u00e8res de mani\u00e8re simple. De plus, il est possible d&#039;enregistrer vos comptes en plusieurs fois. De cette fa\u00e7on, vous n\u2019oublierez la date d\u2019aucun d\u2019entre eux. Ainsi, une fois que vous avez pay\u00e9, t\u00e9l\u00e9chargez simplement l&#039;application. Il mettra lui-m\u00eame \u00e0 jour votre solde.<\/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=\"18-2-boleto-pago-\"><strong>2- Bulletin de versement<\/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=\"2- Boleto pago (Imagem: MacMagazine\"  id=\"19719\" src=\"https:\/\/ucarecdn.com\/cc28848a-32c2-4f9e-87e0-728aa7373162\/\" 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;\">2- Facture pay\u00e9e (Image : MacMagazine<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une application id\u00e9ale pour ceux qui ont <strong>factures en souffrance<\/strong>. Boleto Pago recalcule la valeur de votre dette. Ainsi, il est bas\u00e9 sur la valeur du taux d\u2019int\u00e9r\u00eat et la date d\u2019\u00e9ch\u00e9ance. Cependant, ce n&#039;est pas tout. Il vous informe des factures qui approchent de leur date de paiement.<\/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=\"19-3-mobills-\"><strong>3- Les mobiles<\/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=\"3- Mobills (Imagem: ShowMetech)\"  id=\"19721\" src=\"https:\/\/ucarecdn.com\/7fddc518-6bc3-43ae-9ec8-a24d18a45b50\/\" 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;\">3- Mobilit\u00e9s (Image : ShowMetech)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un moyen efficace et simple de g\u00e9rer toute votre vie financi\u00e8re. De plus, Mobills vous propose des graphiques et des rapports sp\u00e9cifiques. De cette fa\u00e7on, vous pouvez analyser en profondeur l\u2019\u00e9volution de vos finances. Enfin, il envoie des emails vous rappelant les paiements \u00e0 effectuer.<\/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=\"20-4-money-lover-\"><strong>4- Amoureux de l&#039;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=\"4- Money Lover (Imagem: TechTudo)\"  id=\"19725\" src=\"https:\/\/ucarecdn.com\/7a553e11-ca01-445c-aa55-b7bcea74faa6\/\" 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- Amoureux de l&#039;argent (Image : TechTudo)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Il joue \u00e9galement ce r\u00f4le de responsabilisation. Cependant, il y a une diff\u00e9rence. Money Lover vous permet d&#039;utiliser votre liste de contacts pour g\u00e9n\u00e9rer un fichier avec les cr\u00e9anciers et les d\u00e9biteurs. De plus, il est id\u00e9al pour ceux qui aiment voyager. C\u2019est parce qu\u2019il dispose d\u2019un convertisseur de devises.<\/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=\"21-coloque-as-contas-em-d%C3%A9bito-autom%C3%A1tico-\"><strong>Mettez vos factures en d\u00e9bit automatique<\/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=\"Coloque as contas em d\u00e9bito autom\u00e1tico (Imagem: IDEC)\"  id=\"19726\" src=\"https:\/\/ucarecdn.com\/2d12a960-9968-4aeb-8371-85b149f09640\/\" 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;\">Mettre les comptes en d\u00e9bit automatique (Image : IDEC)<\/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 une fa\u00e7on d\u2019\u00e9viter de prendre du retard sur vos factures. Cependant, cela demande beaucoup de soins. Donc, si vous devez de l\u2019argent, il est pr\u00e9f\u00e9rable d\u2019y aller doucement avec cette astuce. Il n\u2019est donc pas recommand\u00e9 de tout mettre en pr\u00e9l\u00e8vement automatique. En effet, vous risquez de manquer d\u2019argent \u00e0 la fin du mois.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une alternative est donc d\u2019y aller petit \u00e0 petit. Enregistrez d\u2019abord les comptes essentiels. L\u2019eau, l\u2019\u00e9lectricit\u00e9, l\u2019assurance maladie et Internet en sont de bons exemples. En parall\u00e8le, mettez en pratique les autres conseils de cet article. C\u2019est parce qu\u2019ils vous aideront \u00e0 vous organiser.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Par cons\u00e9quent, lorsque vous serez en mesure de r\u00e9soudre votre situation financi\u00e8re, vous pourrez alors tout laisser en d\u00e9bit automatique. Cela garantit que rien d\u2019autre ne sera retard\u00e9. Bien s\u00fbr, assurez-vous toujours que votre argent est suffisant.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Le pr\u00e9l\u00e8vement automatique est un outil tr\u00e8s int\u00e9ressant. Il est donc utile pour vous aider \u00e0 contr\u00f4ler vos d\u00e9penses. Avec pr\u00e9caution, il vaut la peine de l&#039;utiliser.<\/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=\"22-pague-as-contas-essenciais-primeiro-\"><strong>Payez d\u2019abord les factures essentielles<\/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=\"Pague as contas essenciais primeiro (Imagem: Economirna)\"  id=\"19727\" src=\"https:\/\/ucarecdn.com\/ea99fdbc-39fb-4bd8-a722-dca6b97f7bac\/\" 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;\">Payez d&#039;abord les factures essentielles (Image : Economirna)<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>N&#039;oubliez pas le pr\u00e9l\u00e8vement automatique. Donnez toujours la priorit\u00e9 \u00e0 ce qui est fondamental pour votre qualit\u00e9 de vie. Sans cela, vous ne pourrez m\u00eame pas vous d\u00e9barrasser des autres dettes. Prenez la liste des dettes et fixez-vous des objectifs pour r\u00e9soudre les plus importantes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Une fois cela fait, le reste devient plus facile. Ok, maintenant tu sais tr\u00e8s bien comment ne pas payer plus <strong>comptes en souffrance. <\/strong>Maintenant c&#039;est ton tour. Utilisez les conseils de cet article et partez \u00e0 la recherche d\u2019am\u00e9liorer votre vie financi\u00e8re.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZIs9X0\">\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\/credito-qual-o-papel-em-sua-vida-financeira\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Quel r\u00f4le joue le cr\u00e9dit dans votre vie financi\u00e8re ?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/4b3dc3e8-6ac8-41a1-976f-fee2d3038f70\/\" 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\/credito-qual-o-papel-em-sua-vida-financeira\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Quel r\u00f4le joue le cr\u00e9dit dans votre vie financi\u00e8re ?\">\n            Quel r\u00f4le joue le cr\u00e9dit dans votre vie financi\u00e8re ?        <\/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            Le cr\u00e9dit est un produit financier qui peut faire une diff\u00e9rence dans votre vie. Dans notre article, vous d\u00e9couvrirez les types et comment les utiliser de mani\u00e8re saine.        <\/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\/credito-qual-o-papel-em-sua-vida-financeira\/\"  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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