{"id":474,"date":"2023-01-30T09:10:46","date_gmt":"2023-01-30T14:10:46","guid":{"rendered":"https:\/\/www.argentmaintenant.com\/blogue\/?p=474"},"modified":"2023-01-30T09:10:46","modified_gmt":"2023-01-30T14:10:46","slug":"comment-se-fixer-des-objectifs-financiers-solides-5-etapes","status":"publish","type":"post","link":"https:\/\/www.argentmaintenant.com\/en-ca\/blog\/finance\/comment-se-fixer-des-objectifs-financiers-solides-5-etapes\/","title":{"rendered":"Comment se fixer des objectifs financiers solides \u2014 5\u202f\u00e9tapes"},"content":{"rendered":"<p><span data-contrast=\"auto\">Que vous souhaitiez finir de rembourser votre pr\u00eat \u00e9tudiant, accumuler une mise de fonds pour une maison ou simplement conserver vos finances un peu plus sous contr\u00f4le, il est fort probable que vous ayez d\u00e9j\u00e0 des objectifs financiers en t\u00eate. Apr\u00e8s tout, ce n\u2019est pas pour rien que le dicton \u00ab\u2009l\u2019argent m\u00e8ne le monde\u2009\u00bb existe.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Toutefois, il y a une tr\u00e8s grande diff\u00e9rence entre avoir un d\u00e9sir plus ou moins clair et \u00e9tablir des objectifs pr\u00e9cis qui pourront mener \u00e0 un plan d\u2019action. Bref, plus on sait ce qu\u2019on veut de fa\u00e7on pr\u00e9cise, plus il est facile d\u2019en dresser les \u00e9tapes claires et d\u2019y arriver concr\u00e8tement.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Voici 5\u202f\u00e9tapes qui vous permettront d\u2019\u00e9tablir des objectifs financiers solides.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">\u00c9tape\u202f1\u202f: D\u00e9finir ce que vous voulez<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Sans surprise, la premi\u00e8re \u00e9tape consiste \u00e0 bien d\u00e9finir ce que vous voulez. \u00ab\u2009\u00catre plus riche\u2009\u00bb n\u2019est pas assez pr\u00e9cis pour \u00eatre consid\u00e9r\u00e9 comme un objectif solide.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous avez des connaissances en gestion, vous avez certainement entendu parler de l\u2019acronyme <\/span><a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere\/services\/vos-outils-financiers\/revenus-depenses-budget\/revenus-depenses-budget-5\/2.html\"><span data-contrast=\"none\">\u00ab\u2009S.M.A.R.T.\u2009\u00bb,<\/span><\/a><span data-contrast=\"auto\"> qui d\u00e9taille les caract\u00e9ristiques que doit contenir un objectif pour qu\u2019il tienne la route. Le \u00ab\u2009S\u2009\u00bb est pour \u00ab\u2009sp\u00e9cifique\u2009\u00bb, le \u00ab\u2009M\u2009\u00bb pour \u00ab\u2009mesurable\u2009\u00bb, le \u00ab\u2009A\u2009\u00bb pour \u00ab\u2009atteignable\u2009\u00bb, le \u00ab\u2009R\u2009\u00bb pour \u00ab\u2009r\u00e9aliste\u2009\u00bb et le \u00ab\u2009T\u202f\u00bb est pour le \u00ab\u2009temps\u2009\u00bb, c\u2019est-\u00e0-dire que l\u2019objectif est inscrit dans le temps.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Donc, quand vient le temps de d\u00e9finir ce que vous voulez, efforcez-vous de remplir le plus possible toutes ces caract\u00e9ristiques.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, si votre objectif est d\u2019\u00eatre millionnaire d\u2019ici six mois, mais que vous n\u2019avez aucun actif, un emploi instable et de nombreuses dettes, ce n\u2019est pas un objectif tr\u00e8s r\u00e9aliste.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si vous voulez rembourser votre pr\u00eat \u00e9tudiant, mais que vous n\u2019ajoutez pas de d\u00e9lai, vous pourriez manquer de motivation.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00c0 cette \u00e9tape, efforcez-vous surtout de d\u00e9m\u00ealer vos d\u00e9sirs et besoins au niveau financier et de choisir quelque chose qui vous tient particuli\u00e8rement \u00e0 c\u0153ur. Vous pouvez quand m\u00eame vous permettre de r\u00eaver un peu\u2009! Les prochaines \u00e9tapes vous permettront de le d\u00e9finir un peu plus et d\u2019\u00e9valuer sa faisabilit\u00e9.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Exemple\u202f:<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Julie a termin\u00e9 ses \u00e9tudes depuis longtemps et souhaite terminer de rembourser son pr\u00eat \u00e9tudiant le plus rapidement possible. Un bon objectif pour elle serait\u202f: \u00ab\u2009Je veux rembourser ma dette \u00e9tudiante de 10\u2009000\u202f$ d\u2019ici deux ans\u2009\u00bb.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">\u00c9tape\u202f2\u202f: \u00c9valuez vos finances actuelles<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00c0 cette \u00e9tape, vous devez retourner \u00e0 la r\u00e9alit\u00e9. Fiez-vous \u00e0 <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/quels-sont-les-meilleurs-modeles-de-budget-mensuel\/\"><span data-contrast=\"none\">votre budget mensuel<\/span><\/a><span data-contrast=\"auto\"> pour bien \u00e9valuer l\u2019argent que vous avez r\u00e9ellement. Si vous n\u2019avez pas encore de budget, c\u2019est le bon moment pour s\u2019en cr\u00e9er un\u2009! L\u2019important ici est de voir l\u2019argent qu\u2019il vous reste apr\u00e8s vos d\u00e9penses.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Prenez en compte toutes vos d\u00e9penses, en incluant les remboursements de dettes, les impr\u00e9vus (fonds d\u2019urgence) et toutes vos d\u00e9penses courantes. Il en va de m\u00eame pour vos revenus. Prenez le temps de tout bien comptabiliser en \u00e9tant le plus r\u00e9aliste possible.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En d\u00e9duisant vos d\u00e9penses de vos revenus, vous saurez ce que vous avez de disponible pour vos objectifs.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Exemple\u202f:<\/span><\/b><span data-contrast=\"auto\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Apr\u00e8s imp\u00f4ts, Julie gagne 2500\u202f$ par mois. Elle fait \u00e9galement du travail \u00e0 la pige pour un montant moyen de 500\u202f$ par mois. Ses d\u00e9penses courantes incluant son loyer lui co\u00fbtent 2000\u202f$ par mois. R\u00e9alistement, elle sait qu\u2019elle octroie 500\u202f$ par mois \u00e0 des d\u00e9penses non essentielles, comme de nouveaux v\u00eatements ou des sorties. Elle a donc, \u00e0 priori 500\u202f$ par mois de marge de man\u0153uvre.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">\u00c9tape\u202f3\u202f: \u00c0 vos calculatrices<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Maintenant que vous avez d\u00e9fini ce que vous souhaitez accomplir et que vous avez un portrait clair de vos finances, c\u2019est le moment de calculer le temps n\u00e9cessaire pour arriver \u00e0 votre objectif.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Prenez le montant total n\u00e9cessaire \u00e0 votre objectif financier et divisez-le par le montant mensuel disponible. Vous obtiendrez le nombre de versements mensuels correspondant \u00e0 votre objectif financier.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00c0 cette \u00e9tape, il est possible que vous vous rendiez compte que votre objectif est r\u00e9alisable, mais que vous aurez besoin de plus de temps que pr\u00e9vu. Vous pourriez aussi d\u00e9cider de prioriser votre objectif et de couper dans vos d\u00e9penses. Par exemple, peut-\u00eatre qu\u2019en coupant un service de diffusion en direct, vous pourriez vous <\/span><a href=\"https:\/\/www.argentmaintenant.com\/blogue\/budget\/comment-planifier-des-vacances-pour-petit-budget-9-astuces\/\"><span data-contrast=\"none\">payer des vacances plus rapidement<\/span><\/a><span data-contrast=\"auto\">\u2009!<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Exemple\u202f:\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Julie veut rembourser son pr\u00eat \u00e9tudiant de 10\u2009000\u202f$, avec des versements mensuels disponibles de 500\u202f$.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">10\u2009000\/500 = 20 mois.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Julie pourrait donc rembourser son pr\u00eat \u00e9tudiant d\u2019ici 20\u202fmois, soit moins que son objectif initial\u2009!<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">\u00c9tape\u202f4\u202f: Cr\u00e9er un syst\u00e8me pour mettre de l\u2019argent de c\u00f4t\u00e9<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Maintenant que vous savez combien d\u2019argent mettre de c\u00f4t\u00e9 et \u00e0 quelle fr\u00e9quence, il est important de vous cr\u00e9er un syst\u00e8me pour vous faciliter la vie. Si vous gardez l\u2019argent dans votre compte courant, il pourrait \u00eatre trop tentant de le d\u00e9penser. De plus, si vous devez faire toutes les d\u00e9marches manuellement chaque fois, vous risquez de vous fatiguer et de vous d\u00e9courager.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Par exemple, vous pourriez vous cr\u00e9er un compte \u00e9pargne et programmer un versement mensuel automatique. De cette fa\u00e7on, vous n\u2019avez m\u00eame pas \u00e0 y penser\u2009! Si vous avez plusieurs objectifs et que les frais de votre institution financi\u00e8re sont bas ou inexistants, vous pourriez m\u00eame vous cr\u00e9er plusieurs comptes, pour chacun de vos objectifs.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si votre objectif est d\u2019\u00e9pargner sur le long terme, vous pouvez \u00e9galement <\/span><a href=\"https:\/\/www.canada.ca\/fr\/agence-revenu\/services\/impot\/particuliers\/sujets\/compte-epargne-libre-impot\/comment-ouvrir-celi.html\"><span data-contrast=\"none\">vous cr\u00e9er un compte CELI<\/span><\/a><span data-contrast=\"auto\"> avec des versements mensuels automatiques.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Bref, une foule de syst\u00e8mes sont possibles. L\u2019important est de trouver quelque chose de simple qui fonctionne pour vous.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Exemple\u202f:\u00a0<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Julie d\u00e9cide de verser directement l\u2019argent de ses contrats de pigiste dans un compte \u00e9pargne diff\u00e9rent et faire des versements p\u00e9riodiques \u00e0 son pr\u00eat \u00e9tudiant.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<h2><b><span data-contrast=\"auto\">\u00c9tape\u202f5\u202f: Faire le suivi de vos objectifs<\/span><\/b><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/h2>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">\u00c0 cette \u00e9tape, \u00e0 priori, tout est en place pour atteindre votre objectif. Vous pourriez vous reposer sur vos lauriers et simplement attendre. Par contre, il peut \u00eatre particuli\u00e8rement motivant de voir votre argent s\u2019accumuler ou voir vos dettes fondre comme neige au soleil\u2009!\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Faire le suivi vous permet \u00e9galement d\u2019ajuster votre budget ou vos objectifs en cas de besoin.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Finalement, n\u2019oubliez pas de c\u00e9l\u00e9brer vos r\u00e9ussites\u2009! Chaque \u00e9tape et chaque montant compte. En prenant le temps de vous f\u00e9liciter, vous vous sentirez davantage motiv\u00e9 et vous augmentez vos chances d\u2019arriver \u00e0 remplir vos objectifs financiers.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">(Et Julie dans tout \u00e7a\u2009? Elle a rembours\u00e9 son pr\u00eat \u00e9tudiant en moins de deux ans et a poursuivi son habitude de verser l\u2019argent de ses contrats dans un compte diff\u00e9rent qu\u2019elle utilise pour se payer des vacances\u2009!)<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Que vous souhaitiez finir de rembourser votre pr\u00eat \u00e9tudiant, accumuler une mise de fonds pour une maison ou simplement conserver [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":475,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Comment se fixer des objectifs financiers solides \u2014 5\u202f\u00e9tapes<\/title>\n<meta name=\"description\" content=\"Pour commencer l\u2019ann\u00e9e du bon pied, il est important d\u2019avoir des objectifs financiers solides. 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