{"id":8188,"date":"2013-11-06T15:21:09","date_gmt":"2013-11-06T19:21:09","guid":{"rendered":"https:\/\/immigrantquebec.com\/?p=8188"},"modified":"2022-01-14T15:21:30","modified_gmt":"2022-01-14T19:21:30","slug":"planifiez-vos-depenses-de-noel","status":"publish","type":"post","link":"https:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/planifiez-vos-depenses-de-noel\/","title":{"rendered":"Planifiez vos d\u00e9penses de No\u00ebl pour \u00e9viter l\u2019endettement"},"content":{"rendered":"<p>Le temps des F\u00eates arrive \u00e0 grands pas. Les feuilles sont tomb\u00e9es, le froid s\u2019installe. L&rsquo;Halloween n\u2019est plus qu\u2019un vague souvenir et les d\u00e9corations de No\u00ebl ont envahi les rayons des magasins depuis quelques semaines d\u00e9j\u00e0. En revenant du boulot hier, j\u2019ai entendu un animateur de radio nous inviter \u00e0 \u00eatre \u00e0 l\u2019\u00e9coute d\u2019une entrevue portant sur les fa\u00e7ons de <strong>pr\u00e9venir l\u2019endettement \u00e0 No\u00ebl<\/strong>. \u00c7a m\u2019a inspir\u00e9e. C\u2019est vrai que le temps des F\u00eates, c\u2019est la p\u00e9riode de l\u2019ann\u00e9e, o\u00f9 \u00e7a nous co\u00fbte le plus cher. On ach\u00e8te des cadeaux, de la bouffe, sans parler de l\u2019alcool.<\/p>\n<h2>Acheter \u00e0 l&rsquo;avance et profiter des aubaines<\/h2>\n<p>Comment \u00e9viter d\u2019\u00eatre pris \u00e0 la gorge en janvier ? Mon truc\u00a0:<strong>\u00a0essayer d\u2019acheter \u00e0 l\u2019avance<\/strong> pour pouvoir mieux comparer les prix et profiter des aubaines. Je cherche toujours quelque chose pour ma m\u00e8re et ma belle-m\u00e8re qui ont tout! D\u00e8s que je trouve, j\u2019ach\u00e8te\u2026 m\u00eame en plein mois de juillet.<\/p>\n<h2>Se pr\u00e9voir un budget<\/h2>\n<p>Si vous \u00eates \u00e0 la derni\u00e8re minute, faites une liste des cadeaux que vous voulez offrir et <strong>pr\u00e9voyez un budget<\/strong> avant d\u2019aller magasiner.<\/p>\n<h2>Faire attention \u00e0 sa limite de cr\u00e9dit<\/h2>\n<p>\u00c0 un peu plus d&rsquo;un mois de No\u00ebl, Option consommateurs nous conseille de ne <strong>pas tomber dans les pi\u00e8ges que nous tendent les compagnies de carte de cr\u00e9dit et les commer\u00e7ants<\/strong> : cong\u00e9 de paiement, versements \u00e9gaux, cong\u00e9s de taxes, incitatifs de toutes sortes pour vous inciter \u00e0 augmenter votre limite de cr\u00e9dit, sans parler de l\u2019offre d\u00e9mesur\u00e9e de cartes de cr\u00e9dit \u00e0 taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9s des magasins.<\/p>\n<h2>Acheter usag\u00e9<\/h2>\n<p>Finalement oui, je vais pr\u00eacher pour ma paroisse et vous sugg\u00e9rer de commencer votre magasinage de No\u00ebl sur le site de petites annonces <a href=\"http:\/\/www.lespac.com\" target=\"_blank\" rel=\"noopener\">LesPAC<\/a> puisque <strong>acheter usag\u00e9<\/strong> contribue tr\u00e8s certainement \u00e0 \u00e9viter l&rsquo;endettement.<\/p>\n<p>Bon magasinage !<\/p>\n<p><em>Marie-Claude Veillette<\/em><\/p>\n<p><em>Coordonnatrice de contenu LesPAC \/ Mediagrif<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Le temps des F\u00eates arrive \u00e0 grands pas. Les feuilles sont tomb\u00e9es, le froid s\u2019installe. L&rsquo;Halloween n\u2019est plus qu\u2019un vague souvenir et les d\u00e9corations de No\u00ebl ont envahi les rayons des magasins depuis quelques semaines d\u00e9j\u00e0. En revenant du boulot hier, j\u2019ai entendu un animateur de radio nous inviter \u00e0 \u00eatre \u00e0 l\u2019\u00e9coute d\u2019une entrevue [&hellip;]<\/p>\n","protected":false},"author":3459,"featured_media":8189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-8188","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-conseils-d-experts","8":"entry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Planifiez vos d\u00e9penses de No\u00ebl pour \u00e9viter l\u2019endettement - Immigrant Qu\u00e9bec<\/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:\/\/immigrantquebec.com\/fr\/conseils-d-experts\/planifiez-vos-depenses-de-noel\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Planifiez vos d\u00e9penses de No\u00ebl pour \u00e9viter l\u2019endettement - Immigrant Qu\u00e9bec\" \/>\n<meta property=\"og:description\" content=\"Le temps des F\u00eates arrive \u00e0 grands pas. 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