{"id":7957,"date":"2026-08-26T16:48:54","date_gmt":"2026-08-26T16:48:54","guid":{"rendered":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/?page_id=7957"},"modified":"2026-08-26T17:39:49","modified_gmt":"2026-08-26T17:39:49","slug":"conseils-financiers-endettement","status":"publish","type":"page","link":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/conseils-financiers-endettement\/","title":{"rendered":"Conseils financiers : Comment pouvez-vous r\u00e9duire votre endettement?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7957\" class=\"elementor elementor-7957\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-50c1b6e elementor-section-height-min-height header_title banner_img elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"50c1b6e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3a2d241\" data-id=\"3a2d241\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9673cd2 elementor-widget elementor-widget-heading\" data-id=\"9673cd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conseils financiers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-218d3d9 elementor-widget elementor-widget-heading\" data-id=\"218d3d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment pouvez-vous r\u00e9duire votre endettement? <span style=\"font-style: inherit\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9a853a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9a853a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-68d9c5a page_contain\" data-id=\"68d9c5a\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-50f1f9b elementor-widget elementor-widget-image\" data-id=\"50f1f9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1366\" height=\"768\" src=\"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-content\/uploads\/sites\/421\/2026\/08\/13-iStock-1413761479_land.jpg\" class=\"attachment-full size-full wp-image-7758\" alt=\"\" srcset=\"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-content\/uploads\/sites\/421\/2026\/08\/13-iStock-1413761479_land.jpg 1366w, https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-content\/uploads\/sites\/421\/2026\/08\/13-iStock-1413761479_land-300x169.jpg 300w, https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-content\/uploads\/sites\/421\/2026\/08\/13-iStock-1413761479_land-1024x576.jpg 1024w, https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-content\/uploads\/sites\/421\/2026\/08\/13-iStock-1413761479_land-768x432.jpg 768w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<link rel=\"stylesheet\" href=\"https:\/\/use.fontawesome.com\/releases\/v5.5.0\/css\/all.css\" integrity=\"sha384-B4dIYHKNBt8Bc12p+WXckhzcICo0wtJAoU8YZTY5qE0Id1GSseTk6S+L3BlXeVIU\" crossorigin=\"anonymous\">\r\n\t\t<div class=\"elementor-element elementor-element-ff3c14b mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"ff3c14b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>1) Regroupez vos dettes<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0a0a3b mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"d0a0a3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tLes personnes dans la cinquantaine peuvent avoir plus d\u2019un type de dettes. En regroupant vos dettes en un seul endroit, vous pourriez \u00eatre en mesure de trouver un taux d\u2019int\u00e9r\u00eat plus bas et de rembourser votre solde plus rapidement. Une option pour y parvenir est le compte tout-en-un, qui vous permet de combiner votre pr\u00eat hypoth\u00e9caire, vos marges de cr\u00e9dit personnelles et toute autre dette que vous pourriez avoir \u00e0 un taux d\u2019int\u00e9r\u00eat concurrentiel.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04137b1 elementor-widget elementor-widget-advertisement\" data-id=\"04137b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"advertisement.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ads-align-center\"><div style=\"min-width:300px\" data-m32-ad data-options='{\"sizes\":\"[[300,100]]\",\"dfpId\":\"21658289790,27729547\",\"dfpAdUnitPath\":\"acadienouvelle\/cahiers_onefifthpage_300x100\"}'><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b6ad93 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"0b6ad93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>2) \u00c9valuez le prix par rapport au co\u00fbt des articles co\u00fbteux<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee76afb mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"ee76afb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCertaines personnes ne comprennent pas tout \u00e0 fait le co\u00fbt de la dette. Diff\u00e9rents types de dettes peuvent \u00eatre assortis de taux d\u2019int\u00e9r\u00eat tr\u00e8s diff\u00e9rents. Par exemple, les dettes de cartes de cr\u00e9dit sont g\u00e9n\u00e9ralement parmi les plus ch\u00e8res et peuvent avoir un taux d\u2019int\u00e9r\u00eat de 20 % ou plus. D\u2019autre part, les cr\u00e9ances garanties, telles qu\u2019une hypoth\u00e8que, ont g\u00e9n\u00e9ralement un taux d\u2019int\u00e9r\u00eat beaucoup plus bas, mais m\u00eame les taux hypoth\u00e9caires peuvent grimper rapidement.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b82d7 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"28b82d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIl est important de comprendre combien co\u00fbtent r\u00e9ellement les diff\u00e9rentes formes de financement et combien de frais d\u2019int\u00e9r\u00eats suppl\u00e9mentaires vous pourriez finir par payer en plus du prix que vous payez pour ces articles co\u00fbteux. Par exemple, vous pouvez d\u00e9cider de payer vos vacances d\u2019hiver de 6 000 $ avec votre carte de cr\u00e9dit. Les taux moyens des cartes de cr\u00e9dit sont d\u2019environ 19,50 %, donc s\u2019il vous faut six mois ou un an pour rembourser, vous pourriez finir par payer des centaines de dollars d\u2019int\u00e9r\u00eats. Bien que cet exemple ne refl\u00e8te peut-\u00eatre pas votre situation particuli\u00e8re, il montre comment les paiements d\u2019int\u00e9r\u00eats peuvent rapidement s\u2019accumuler.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3ee0cb mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"b3ee0cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>3) Envisagez de r\u00e9duire la taille de votre logement plus t\u00f4t que pr\u00e9vu<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74263c8 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"74263c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tVous sentez-vous riche en immobilier, mais pauvre en argent? Si vos enfants ont quitt\u00e9 la maison et que vous n\u2019avez plus besoin d\u2019espace suppl\u00e9mentaire, vous voudrez peut-\u00eatre envisager de d\u00e9m\u00e9nager dans une maison plus petite. R\u00e9duire la taille de votre logement peut vous faire \u00e9conomiser de l\u2019argent en int\u00e9r\u00eats, en imp\u00f4ts fonciers et en frais d\u2019entretien, ce qui, \u00e0 son tour, pourrait lib\u00e9rer des liquidit\u00e9s pour rembourser vos dettes et vous aider \u00e0 \u00e9pargner pour la retraite.\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ebabc3 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"1ebabc3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>4) Demandez l\u2019aide\u00a0<\/b><b style=\"font-style: inherit;\">d\u2019un professionnel<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-486529d mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"486529d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tVous pouvez faire appel \u00e0 un conseiller financier pour vous aider \u00e0 \u00e9laborer un plan pour contr\u00f4ler vos dettes ou vous lib\u00e9rer de celles-ci : 50 % des travailleurs de la g\u00e9n\u00e9ration X interrog\u00e9s dans le rapport 2024 de Manuvie s\u2019attendent \u00e0 prendre leur retraite plus tard pour rembourser leurs dettes. Un professionnel de la finance peut vous aider \u00e0 g\u00e9rer vos dettes et vous recommander des strat\u00e9gies pour relever les d\u00e9fis que vous pourriez rencontrer au cours des ann\u00e9es pr\u00e9c\u00e9dant la retraite.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3783127 mobile_pera elementor-widget elementor-widget-text-editor\" data-id=\"3783127\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><i>Source : https:\/\/www.manulife.com<\/i><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Conseils financiers Comment pouvez-vous r\u00e9duire votre endettement? 1) Regroupez vos dettes Les personnes dans la cinquantaine peuvent avoir plus d\u2019un type de dettes. En regroupant vos dettes en un seul endroit, vous pourriez \u00eatre en mesure de trouver un taux d\u2019int\u00e9r\u00eat plus bas et de rembourser votre solde plus rapidement. Une option pour y parvenir [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":13,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"page-categories":[],"class_list":["post-7957","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/pages\/7957","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/comments?post=7957"}],"version-history":[{"count":7,"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/pages\/7957\/revisions"}],"predecessor-version":[{"id":8040,"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/pages\/7957\/revisions\/8040"}],"wp:attachment":[{"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/media?parent=7957"}],"wp:term":[{"taxonomy":"page-categories","embeddable":true,"href":"https:\/\/kiosque.acadienouvelle.com\/vie-50-03-2026\/wp-json\/wp\/v2\/page-categories?post=7957"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}