{"id":1054,"date":"2019-03-12T15:16:56","date_gmt":"2019-03-12T19:16:56","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/non-classifiee\/constituez-un-fonds-durgence\/"},"modified":"2019-05-15T13:42:39","modified_gmt":"2019-05-15T17:42:39","slug":"constituez-un-fonds-durgence","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/","title":{"rendered":"Constituez un fonds d\u2019urgence"},"content":{"rendered":"<p>Il n\u2019y a rien de pire que de travailler dur \u00e0 b\u00e2tir une stabilit\u00e9 financi\u00e8re pour la voir s\u2019effondrer \u00e0 la moindre d\u00e9pense impr\u00e9vue.<\/p>\n<h2>Pourquoi un fonds d\u2019urgence?<\/h2>\n<ol>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"ordered\">Vous aviez pr\u00e9vu accumuler de l\u2019argent dans un compte pour remplacer votre vieille bagnole par une nouvelle auto, mais le toit de la maison s\u2019est mis \u00e0 couler. Vos \u00e9conomies y seront malheureusement englouties. Le fonds d\u2019urgence vous aurait permis de parer \u00e0 cet impr\u00e9vu ET de remplacer votre automobile.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"ordered\">Si vous perdez votre emploi ou tombez malade, vous aurez besoin d\u2019argent liquide pour payer vos d\u00e9penses de tous les jours (\u00e9picerie, loyer, etc.). Le fonds d\u2019urgence vous permettrait d\u2019avoir l\u2019esprit tranquille, le temps de trouver un nouvel emploi ou de vous remettre sur pied.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"ordered\">Tout le monde vous le dira, y compris les conseillers et planificateurs financiers, <strong>avoir un fonds d\u2019urgence est vraiment important<\/strong> et le montant recommand\u00e9 est \u00e0 peu pr\u00e8s toujours le m\u00eame : l\u2019\u00e9quivalent de 3 mois de d\u00e9penses.<\/li>\n<\/ol>\n<h2>Comment cr\u00e9er votre fonds d\u2019urgence?<\/h2>\n<ol>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"ordered\"><strong>Utilisez l\u2019\u00e9pargne par versements p\u00e9riodiques <\/strong>et autorisez votre institution financi\u00e8re \u00e0 pr\u00e9lever un montant chaque mois (ou chaque semaine, \u00e0 votre guise) que vous affecterez au placement ou au r\u00e9gime facilement encaissable de votre choix (le CELI, par exemple), ou encore \u00e0 un compte d\u2019\u00e9pargne \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9. De cette fa\u00e7on, vous cr\u00e9ez progressivement votre fonds d\u2019urgence sans avoir \u00e0 vous d\u00e9placer pour effectuer des d\u00e9p\u00f4ts.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"ordered\">Il faut savoir que le montant que vous choisissez de mettre de c\u00f4t\u00e9 chaque mois n\u2019a pas d\u2019importance. <strong>Ce qui compte, c\u2019est d\u2019\u00e9pargner un montant de fa\u00e7on r\u00e9guli\u00e8re<\/strong>, et surtout de puiser dans votre fonds d\u2019urgence uniquement en cas d\u2019urgence! Un coup de foudre pour une causeuse en solde, ce n\u2019est pas une urgence.<\/li>\n<\/ol>\n<h2>Par quoi commencer?<\/h2>\n<p><strong>Vous pouvez commencer par \u00e9conomiser un montant de la valeur d\u2019un mois d\u2019\u00e9picerie<\/strong>, et allez-y un mois \u00e0 la fois pour chacune des cat\u00e9gories de d\u00e9penses mensuelles.<\/p>\n<p><strong>\u00c0 chaque paie, vous pouvez \u00e9galement essayez d\u2019allouer \u00e0 votre fonds d\u2019urgence de 5 \u00e0 10 % de votre revenu<\/strong>. N\u2019oubliez pas de choisir un compte distinct de votre compte ch\u00e8que pour ne pas \u00eatre tent\u00e9 d\u2019y toucher.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Il n\u2019y a rien de pire que de travailler dur \u00e0 b\u00e2tir une stabilit\u00e9 financi\u00e8re pour la voir s\u2019effondrer \u00e0 la moindre d\u00e9pense impr\u00e9vue. Vous aviez pr\u00e9vu accumuler de l\u2019argent dans un compte pour remplacer votre vieille bagnole par une nouvelle auto, mais le toit de la maison s\u2019est mis \u00e0 couler. Vos \u00e9conomies y [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[50],"tags":[],"class_list":["post-1054","post","type-post","status-publish","format-standard","hentry","category-epargne"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Constituez un fonds d\u2019urgence | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Constituez un fonds d\u2019urgence | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"Il n\u2019y a rien de pire que de travailler dur \u00e0 b\u00e2tir une stabilit\u00e9 financi\u00e8re pour la voir s\u2019effondrer \u00e0 la moindre d\u00e9pense impr\u00e9vue. Vous aviez pr\u00e9vu accumuler de l\u2019argent dans un compte pour remplacer votre vieille bagnole par une nouvelle auto, mais le toit de la maison s\u2019est mis \u00e0 couler. Vos \u00e9conomies y [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/\" \/>\n<meta property=\"og:site_name\" content=\"Caisse Alliance\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-12T19:16:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-05-15T17:42:39+00:00\" \/>\n<meta name=\"author\" content=\"olabso\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"olabso\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/\"},\"author\":{\"name\":\"olabso\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#\\\/schema\\\/person\\\/fa514e945f74db9c21e04f3b1bd401ff\"},\"headline\":\"Constituez un fonds d\u2019urgence\",\"datePublished\":\"2019-03-12T19:16:56+00:00\",\"dateModified\":\"2019-05-15T17:42:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/\"},\"wordCount\":398,\"commentCount\":0,\"articleSection\":[\"\u00c9pargne\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/\",\"url\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/\",\"name\":\"Constituez un fonds d\u2019urgence | Caisse Alliance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#website\"},\"datePublished\":\"2019-03-12T19:16:56+00:00\",\"dateModified\":\"2019-05-15T17:42:39+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#\\\/schema\\\/person\\\/fa514e945f74db9c21e04f3b1bd401ff\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/particulier\\\/epargne\\\/constituez-un-fonds-durgence\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Constituez un fonds d\u2019urgence\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/\",\"name\":\"Caisse Alliance\",\"description\":\"Site Web de la Caisse Alliance\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.caissealliance.com\\\/fr\\\/#\\\/schema\\\/person\\\/fa514e945f74db9c21e04f3b1bd401ff\",\"name\":\"olabso\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Constituez un fonds d\u2019urgence | Caisse Alliance","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/","og_locale":"fr_FR","og_type":"article","og_title":"Constituez un fonds d\u2019urgence | Caisse Alliance","og_description":"Il n\u2019y a rien de pire que de travailler dur \u00e0 b\u00e2tir une stabilit\u00e9 financi\u00e8re pour la voir s\u2019effondrer \u00e0 la moindre d\u00e9pense impr\u00e9vue. Vous aviez pr\u00e9vu accumuler de l\u2019argent dans un compte pour remplacer votre vieille bagnole par une nouvelle auto, mais le toit de la maison s\u2019est mis \u00e0 couler. Vos \u00e9conomies y [...]","og_url":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/","og_site_name":"Caisse Alliance","article_published_time":"2019-03-12T19:16:56+00:00","article_modified_time":"2019-05-15T17:42:39+00:00","author":"olabso","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"olabso","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/#article","isPartOf":{"@id":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/"},"author":{"name":"olabso","@id":"https:\/\/www.caissealliance.com\/fr\/#\/schema\/person\/fa514e945f74db9c21e04f3b1bd401ff"},"headline":"Constituez un fonds d\u2019urgence","datePublished":"2019-03-12T19:16:56+00:00","dateModified":"2019-05-15T17:42:39+00:00","mainEntityOfPage":{"@id":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/"},"wordCount":398,"commentCount":0,"articleSection":["\u00c9pargne"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/","url":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/","name":"Constituez un fonds d\u2019urgence | Caisse Alliance","isPartOf":{"@id":"https:\/\/www.caissealliance.com\/fr\/#website"},"datePublished":"2019-03-12T19:16:56+00:00","dateModified":"2019-05-15T17:42:39+00:00","author":{"@id":"https:\/\/www.caissealliance.com\/fr\/#\/schema\/person\/fa514e945f74db9c21e04f3b1bd401ff"},"breadcrumb":{"@id":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.caissealliance.com\/fr\/particulier\/epargne\/constituez-un-fonds-durgence\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.caissealliance.com\/fr\/"},{"@type":"ListItem","position":2,"name":"Constituez un fonds d\u2019urgence"}]},{"@type":"WebSite","@id":"https:\/\/www.caissealliance.com\/fr\/#website","url":"https:\/\/www.caissealliance.com\/fr\/","name":"Caisse Alliance","description":"Site Web de la Caisse Alliance","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.caissealliance.com\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.caissealliance.com\/fr\/#\/schema\/person\/fa514e945f74db9c21e04f3b1bd401ff","name":"olabso"}]}},"publishpress_future_action":{"enabled":false,"date":"2026-05-08 08:26:06","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts\/1054","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/comments?post=1054"}],"version-history":[{"count":3,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts\/1054\/revisions"}],"predecessor-version":[{"id":5203,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/posts\/1054\/revisions\/5203"}],"wp:attachment":[{"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/media?parent=1054"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/categories?post=1054"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caissealliance.com\/fr\/wp-json\/wp\/v2\/tags?post=1054"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}