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5 conseils pour sortir de l’endettement

5 conseils pour sortir de l’endettement

Perte d’emploi inattendue, frais médicaux, voyages, réparations importantes de la maison…la vie est imprévisible. Avant de passer en revue le sujet qui nous occupe, cherchons à nous faire pardonner et à normaliser l’importance de développer un flux de revenus passifs pour les surprises inattendues de la vie.

#1 Répertorier toutes les dettes

Le fait d’être organisé et intentionnel quant à nos objectifs nous aidera à gérer nos efforts. Lorsque vous dressez cette liste, prenez note de vous attaquer d’abord à votre dette la plus petite ou à celle dont le taux d’intérêt est le plus élevé.

#2 Créez un budget détaillé et réaliste  

Passez en revue les récompenses de votre carte de crédit, évaluez ce qui est essentiel versus ce qui est agréable à avoir. Ensuite, créez un fonds d’urgence et un plan de dépenses axé sur des objectifs qui maximisent vos avantages.

#3 Évitez ces frais bancaires, ils s'accumulent.

  1. + Service mensuel

    + Retrait au GAB hors réseau

    + Opérations excédentaires

    + Découvert

    + Fermeture anticipée du compte

    + Virement bancaire

  1. Les titulaires de comptes ont tendance à éviter les frais de service mensuels en ouvrant à la fois un compte chèque et un compte épargne dans la même banque ou en maintenant un solde minimum. Posez des questions et recherchez la meilleure option avant de décider de placer votre argent dans une banque.

#4 Négociez avec les prestataires 

Si vous vous retrouvez avec une facture médicale, essayez de la négocier. Les hôpitaux et les vétérinaires sont souvent disposés à établir un plan de paiement pour que vous puissiez payer votre facture petit à petit. Parfois, ils ne facturent même pas d’intérêts. Demandez toujours à parler à quelqu’un pour connaître vos options.

Règle de 72

Familiarisez-vous avec les formules mathématiques et les raccourcis dans Excel qui permettent de prévoir le nombre d’années nécessaires pour doubler la taille d’un investissement ou d’une dette pour un taux de croissance donné.  

TRUC DE PRO! N’oubliez jamais pourquoi vous avez commencé, ne vous comparez pas aux autres, n’oubliez pas le chemin parcouru et ne renoncez jamais à vous-même.

#5 Construisez votre filet de sécurité avec Immunotec*

Commencez une activité secondaire pour faire fructifier vos économies, Immunotec vous facilite la tâche. Notre plan de rémunération vous récompensera pour le volume produit par vous et vos équipes à mesure que vous construisez une base de clients personnels sur nos produits de pointe. Vous fixez vos propres horaires patron! Et encore mieux, vous réussissez en aidant d’autres personnes à atteindre une santé et un succès optimaux.

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+ Un site web personnalisé pour présenter notre gamme de produits unique en son genre. 

+ Un potentiel de gain accru grâce à l’un des plans de rémunération les plus compétitifs de l’industrie. 

+ Un accès débloqué pour mener des affaires depuis le creux de leur main avec la NOUVELLE APP IMMUNOTEC! 

+ Un centre d’affaires en ligne pour soutenir vos efforts de développement commercial. 

+ Des outils de marketing pour vous aider à développer votre entreprise.

 

PLUS! Si vous aimez voyager, vous aurez la possibilité de vous mériter des voyages incitatifs (détails Xventure 2022) et de participer à des événements de développement des affaires (détails All In). Le meilleur de tout, c’est qu’il n’y a pas de limites à votre potentiel, et que vous réussissez en aidant d’autres personnes à réussir. Vous pouvez bâtir une carrière enrichissante pour vous-même, comme beaucoup d’autres l’ont fait. Il existe sept façons de faire de l’argent. Contactez votre Consultant ou visitez notre site Web pour en apprendre davantage.

Avez-vous apprécié ce contenu ou espérez-vous voir plus de conseils financiers dans le futur? Faites-le nous savoir dans les commentaires.

Individual individual results may vary. Immunotec does not guarantee that anyone will make a specific amount of money. Success in any business requires leadership, skills, commitment, dedication and will depend on your effort. Immunotec’s ids is designed to convey truthful, timely, and complete information about the income that an immunotec independent consultant could earn. The ids can be found under the legal tab at www.Immunotec.Com.

*Les résultats individuels peuvent varier. Immunotec ne garantit pas que quiconque gagnera une somme d’argent spécifique. Le succès de toute entreprise exige du leadership, des compétences, de l’engagement, du dévouement et dépendra de vos efforts. La DSR d’Immunotec est conçu pour fournir des informations véridiques, opportunes et complètes sur le revenu qu’un consultant indépendant d’Immunotec pourrait gagner. La DSR se trouve sous l’onglet juridique à l’adresse www.immunotec.com.

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