{"id":3357,"date":"2023-11-23T10:03:00","date_gmt":"2023-11-23T15:03:00","guid":{"rendered":"http:\/\/digital-coat.flywheelsites.com\/?p=3357"},"modified":"2025-01-10T05:53:05","modified_gmt":"2025-01-10T10:53:05","slug":"lendettement-chez-les-aines-les-causes-et-nos-conseils","status":"publish","type":"post","link":"https:\/\/bagel.staging.agencealto.ca\/bagel\/lendettement-chez-les-aines-les-causes-et-nos-conseils\/","title":{"rendered":"L\u2019endettement chez les a\u00een\u00e9s\u202f: les causes et nos conseils"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3357\" class=\"elementor elementor-3357\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3ee642b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3ee642b\" 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-407734d\" data-id=\"407734d\" 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-2d97471 elementor-widget elementor-widget-text-editor\" data-id=\"2d97471\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h6>C\u2019est un fait, au cours de la derni\u00e8re d\u00e9cennie, l\u2019endettement chez les a\u00een\u00e9s n\u2019a cess\u00e9 de cro\u00eetre. \u00c0 titre d\u2019exemple, selon Equifax, entre 2016 et 2021, l\u2019endettement chez les 66 ans et plus a bondi de 47,5 %, comparativement \u00e0 une augmentation de 28,7 % pour les personnes dont l\u2019\u00e2ge varie entre 56 et 65 ans.<\/h6><h6>De plus, selon des donn\u00e9es de 2022 de l\u2019Observatoire des in\u00e9galit\u00e9s, en 2016, 40 % des m\u00e9nages a\u00een\u00e9s (65 ans et plus) avaient des dettes. C\u2019est une augmentation inqui\u00e9tante puisque en 1999 le pourcentage \u00e9tait de moins de 30 %.<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd5de8 elementor-widget elementor-widget-heading\" data-id=\"8fd5de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Les causes de l\u2019endettement chez les a\u00een\u00e9s<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0365ce7 elementor-widget elementor-widget-text-editor\" data-id=\"0365ce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>De nombreuses personnes attendent la retraite avec impatience pour pouvoir prendre du bon temps (voyages, loisirs, sorties vari\u00e9es). Cependant, certains facteurs peuvent venir contrecarrer leurs projets et alors conduire \u00e0 l\u2019endettement. En effet, le montant des prestations de retraite \u00e9tant inf\u00e9rieur aux salaires touch\u00e9s lors de l\u2019exercice d\u2019une activit\u00e9 professionnelle, les dettes peuvent rapidement s\u2019accumuler si le mode et les habitudes de vie demeurent similaires.<\/p><p>\u00a0<\/p><p>Cela est d\u2019autant plus vrai si la personne retrait\u00e9e est toujours tenue de rembourser une hypoth\u00e8que ou une autre forme de cr\u00e9dit. Il faut \u00e9galement tenir compte de l\u2019inflation et de l&rsquo;augmentation du co\u00fbt de la vie. Outre ces facteurs, les probl\u00e8mes d\u2019ordre familiaux comme les s\u00e9parations, les d\u00e9c\u00e8s ou encore l\u2019apport d\u2019un soutien financier aux enfants peuvent \u00e9galement favoriser l\u2019endettement. Enfin, dernier point, avec l\u2019\u00e2ge, des soucis de sant\u00e9 et implicitement des co\u00fbts relatifs aux examens, analyses m\u00e9dicales ou s\u00e9jours \u00e0 l\u2019h\u00f4pital peuvent appara\u00eetre, pouvant ainsi, avoir un impact sur les finances.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d7148a elementor-widget elementor-widget-heading\" data-id=\"2d7148a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pr\u00e9venir l\u2019endettement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6f3658 elementor-widget elementor-widget-text-editor\" data-id=\"a6f3658\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Pour \u00e9viter l\u2019endettement, il est important d\u2019analyser et de budg\u00e9ter vos finances en fonction de vos d\u00e9penses courantes et des impr\u00e9vus. De nombreuses personnes \u00e9prouvent de la difficult\u00e9 dans la r\u00e9alisation de cette d\u00e9marche. Sachez qu\u2019il est toujours possible de solliciter les services de professionnels comme les conseillers en redressement financier. Vous pouvez \u00e9galement valider votre budget avec notre outil en ligne de <a href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/outils\/\" target=\"_blank\" rel=\"noopener\">planification budg\u00e9taire<\/a>. Il aborde les points relatifs \u00e0 votre sant\u00e9 financi\u00e8re incluant vos revenus et vos dettes (hypoth\u00e8ques, cartes de cr\u00e9dit, marges), vos d\u00e9penses relatives \u00e0 votre sant\u00e9, mais \u00e9galement les petits plaisirs que vous souhaitez vous permettre.<\/p><p>En r\u00e9sum\u00e9, consid\u00e9rant les revenus souvent peu \u00e9lev\u00e9s des a\u00een\u00e9s et les nombreux impr\u00e9vus auxquels ces derniers peuvent faire face, les risques d\u2019endettement sont bel et bien pr\u00e9sents. Aussi, pour \u00e9viter, anticiper et pr\u00e9venir un tel probl\u00e8me, il est important de prendre les mesures n\u00e9cessaires pour apprendre \u00e0 g\u00e9rer les finances.<\/p><p>En situation difficile ou d\u2019endettement avanc\u00e9, n\u2019h\u00e9sitez pas \u00e0 consulter l\u2019un de nos conseillers en insolvabilit\u00e9. Ils pourront vous aider \u00e0 prendre une d\u00e9cision et \u00e0 planifier un redressement de votre situation financi\u00e8re.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6afe8a elementor-widget elementor-widget-heading\" data-id=\"f6afe8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quelques conseils<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff5b320 elementor-widget elementor-widget-text-editor\" data-id=\"ff5b320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Si vous avez 50 ou 60 ans ? Il pourrait \u00eatre judicieux de r\u00e9duire vos d\u00e9penses dites \u00ab\u00a0superflues\u00a0\u00bb (loisirs, v\u00eatements, voyages) afin de rembourser plus rapidement vos dettes de consommation et les ramener \u00e0 z\u00e9ro le jour o\u00f9 vous prendrez votre retraite.<\/p><p>Avec la hausse des taux, il est important de diminuer le plus possible le solde de votre marge de cr\u00e9dit hypoth\u00e9caire : cela diminuera le montant des int\u00e9r\u00eats que vous devez payer chaque mois.<\/p><p>Maximisez vos cotisations \u00e0 votre compte REER. Votre \u00e9pargne de pr\u00e9retrait\u00e9 devrait id\u00e9alement repr\u00e9senter 20 % de votre revenu net annuel.\u00a0<\/p><p>Avez-vous pens\u00e9 \u00e0 repousser votre date de retraite\u00a0 : une ou deux ann\u00e9es font une grande diff\u00e9rence pour diminuer votre endettement !<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-400ae51 elementor-widget elementor-widget-heading\" data-id=\"400ae51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ne restez pas seul avec une situation financi\u00e8re difficile.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed75945 elementor-widget elementor-widget-text-editor\" data-id=\"ed75945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<strong >Vous avez plus de 65 ans et votre niveau d&rsquo;endettement vous inqui\u00e8te ?\u00a0<\/strong>\n\nParlez-nous de ce qui se passe! La loi vous prot\u00e8ge mieux que vous ne le pensez et vous permet de trouver une solution pour reprendre le contr\u00f4le de votre surendettement. Lors de votre premi\u00e8re consultation, nous prendrons le temps de vous \u00e9couter et d\u2019analyser votre situation.\n\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d4153a elementor-widget elementor-widget-spacer\" data-id=\"0d4153a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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-1f2a4c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f2a4c2\" 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-306e66d\" data-id=\"306e66d\" 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-3cf4bcc elementor-widget elementor-widget-spacer\" data-id=\"3cf4bcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28b288a elementor-widget elementor-widget-heading\" data-id=\"28b288a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Prenez le temps de faire votre budget avec notre outil <br>BUDGET EN LIGNE.Ajoutez votre texte de titrage ici<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69f4b12 elementor-widget elementor-widget-heading\" data-id=\"69f4b12\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">C'est une bonne habitude \u00e0 prendre <br>pour savoir o\u00f9 vous en \u00eates dans vos finances.<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41ba47b elementor-align-center elementor-widget elementor-widget-button\" data-id=\"41ba47b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/bagel.staging.agencealto.ca\/bagel\/outils\/budget-en-ligne\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-piggy-bank\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M560 224h-29.5c-8.8-20-21.6-37.7-37.4-52.5L512 96h-32c-29.4 0-55.4 13.5-73 34.3-7.6-1.1-15.1-2.3-23-2.3H256c-77.4 0-141.9 55-156.8 128H56c-14.8 0-26.5-13.5-23.5-28.8C34.7 215.8 45.4 208 57 208h1c3.3 0 6-2.7 6-6v-20c0-3.3-2.7-6-6-6-28.5 0-53.9 20.4-57.5 48.6C-3.9 258.8 22.7 288 56 288h40c0 52.2 25.4 98.1 64 127.3V496c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-48h128v48c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-80.7c11.8-8.9 22.3-19.4 31.3-31.3H560c8.8 0 16-7.2 16-16V240c0-8.8-7.2-16-16-16zm-128 64c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM256 96h128c5.4 0 10.7.4 15.9.8 0-.3.1-.5.1-.8 0-53-43-96-96-96s-96 43-96 96c0 2.1.5 4.1.6 6.2 15.2-3.9 31-6.2 47.4-6.2z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Budget en ligne<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6239ac elementor-widget elementor-widget-spacer\" data-id=\"d6239ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\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-252263dc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"252263dc\" 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-2b964cee\" data-id=\"2b964cee\" 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-bd23640 elementor-widget elementor-widget-spacer\" data-id=\"bd23640\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60a21040 elementor-widget elementor-widget-text-editor\" data-id=\"60a21040\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h3>\u00a0Prendre rendez-vous avec un conseiller afin de discuter de votre situation<\/h3><p style=\"text-align: left;\"><div class='_form_37'><\/div><script type='text\/javascript' src='https:\/\/roymetivierroberge.activehosted.com\/f\/embed.php?static=0&#038;id=37&#038;6A1ADB97C62A7&#038;nostyles=0&#038;preview=0'><\/script><\/p>\t\t\t\t\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>C\u2019est un fait, au cours de la derni\u00e8re d\u00e9cennie, l\u2019endettement chez les a\u00een\u00e9s n\u2019a cess\u00e9 de cro\u00eetre. \u00c0 titre d\u2019exemple, selon Equifax, l\u2019endettement a bondi de 47,5 % chez les 66 ans et plus <\/p>\n","protected":false},"author":3,"featured_media":29255,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","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":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"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":""},"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 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[28],"tags":[65,37,48,64,53,66,67,68,69,70,71],"class_list":["post-3357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-endettement","tag-budget","tag-conseil","tag-endettement","tag-finances-personnelles","tag-retraite","tag-sante","tag-stress","tag-surendettement","tag-syndic-autorise-en-insolvabilite","tag-syndic-de-faillite","tag-syndics-autorises-en-insolvabilite"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Endettement chez les a\u00een\u00e9s\u202f: Causes et conseils | Roy M\u00e9tivier Roberge<\/title>\n<meta name=\"description\" content=\"L\u2019endettement chez les 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