{"id":328,"date":"2024-12-07T00:00:00","date_gmt":"2024-12-06T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2019\/01\/10\/anticiper-les-baisses-de-revenus-et-reagir\/"},"modified":"2024-12-09T12:36:16","modified_gmt":"2024-12-09T10:36:16","slug":"anticiper-les-baisses-de-revenus-et-reagir","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/","title":{"rendered":"Anticiper une baisse de revenus et r\u00e9agir"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C'est pourquoi, vous devez notamment vous constituer r\u00e9guli\u00e8rement une \u00e9pargne de pr\u00e9caution ou encore souscrire des assurances emprunteur avec votre cr\u00e9dit. Si vos revenus baissent, vous devez r\u00e9agir rapidement pour actionner les aides (RSA, Allocation ch\u00f4mage, CMU-C, ACS\u2026) et ajuster votre budget.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment se pr\u00e9munir contre une baisse de revenus ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous ne pouvez pas pr\u00e9voir un accident de la vie, ni la baisse de ressources qui en d\u00e9coule, vous pouvez prendre des <strong>pr\u00e9cautions <\/strong>pour en limiter les cons\u00e9quences financi\u00e8res. M\u00eame quand tout va bien, ne vous endettez pas de fa\u00e7on trop importante :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>gardez un \"<strong>reste pour vivre<\/strong>\" suffisant non seulement pour le quotidien mais aussi pour les impr\u00e9vus,<\/li><li>ne laissez pas un d\u00e9couvert en compte perdurer ou s'aggraver.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Aussi, pensez \u00e0 \u00e9pargner r\u00e9guli\u00e8rement, m\u00eame une petite somme chaque mois ou un petit pourcentage de vos revenus. Cette <strong>\u00e9pargne de pr\u00e9caution<\/strong> vous permettra de faire face \u00e0 un coup dur en attendant le versement des prestations sociales auxquelles vous aurez peut-\u00eatre droit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, si vous vous engagez dans un <strong>nouveau cr\u00e9dit<\/strong>, vous devez \u00e9tudier attentivement les propositions d'assurance qui peuvent couvrir certains risques, notamment la perte d'emploi. Bien que facultatives, elles sont propos\u00e9es par la banque de fa\u00e7on syst\u00e9matique.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Comment solliciter toutes les aides financi\u00e8res possibles ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de baisse ou de perte totale de revenus, la 1\u00e8re chose \u00e0 faire est de trouver de nouvelles ressources financi\u00e8res, notamment en v\u00e9rifiant si vous avez droit \u00e0 des prestations sociales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon la nature de l'\u00e9v\u00e9nement, il peut s'agir de :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>allocations, en cas de ch\u00f4mage,<\/li><li>indemnit\u00e9s journali\u00e8res de la S\u00e9curit\u00e9 sociale, en cas d'accident du travail,<\/li><li>l'allocation pour adulte handicap\u00e9, en cas de handicap,<\/li><li>pension alimentaire, en cas de s\u00e9paration avec enfant(s) \u00e0 charge,<\/li><li>allocation journali\u00e8re de proche aidant, en cas de cessation temporaire d'activit\u00e9 professionnelle pour vous occuper d'un proche,<\/li><li>etc.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous avez peut-\u00eatre \u00e9galement droit \u00e0 des aides telles que le Revenu de Solidarit\u00e9 Active (<strong>RSA<\/strong>) et prime d'activit\u00e9, les allocations logement (<strong>APL<\/strong>), la <strong>Compl\u00e9mentaire sant\u00e9 solidaire<\/strong>, etc. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le site <a href=\"https:\/\/mes-aides.gouv.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">mes-aides.gouv.fr<\/a> vous permet de conna\u00eetre les prestations sociales dont vous pouvez b\u00e9n\u00e9ficier et d'estimer leur montant mensuel. Un simulateur y est ainsi disponible gratuitement. Le site vous indique les documents \u00e0 avoir \u00e0 port\u00e9e de main.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contactez \u00e9galement le centre d'action sociale (CCAS ou CIAS) de votre commune ou un Point Conseil Budget  pour faire le point avec un(e) conseiller(e).<\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : Le ch\u00e8que \u00e9nergie est un dispositif d'aide au paiement des d\u00e9penses d'\u00e9nergie du logement (factures d'\u00e9lectricit\u00e9, de gaz, bois, fioul, r\u00e9novation \u00e9nerg\u00e9tique\u2026). Il s'adresse aux m\u00e9nages qui ont des revenus modestes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Comment r\u00e9duire vos d\u00e9penses ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Listez toutes vos d\u00e9penses sans oublier celles qui :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>sont fixes et d\u00e9j\u00e0 engag\u00e9es (factures d'\u00e9nergie, loyer...),<\/li><li>peuvent \u00eatre supprim\u00e9es (abonnement TV ...), diff\u00e9r\u00e9es (achat d'un \u00e9quipement...) ou revues \u00e0 la baisse (changement de forfait de t\u00e9l\u00e9phonie mobile...).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez utiliser<a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-une-appli-pour-mieux-connaitre-et-piloter-votre-budget\/(ouvre%20un%20nouvel%20onglet)\" target=\"_blank\"> l'application pilote budget<\/a> pour \u00e9tablir un nouveau budget pr\u00e9visionnel. <\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>Important <\/strong>: n'utilisez pas de cr\u00e9dit renouvelable ou ne souscrivez pas de nouveaux cr\u00e9dits pour faire face \u00e0 vos d\u00e9penses. Ce serait une nouvelle dette (et non une ressource). Cette charge suppl\u00e9mentaire alourdirait encore votre budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Qui pr\u00e9venir aux 1\u00e8res difficult\u00e9s financi\u00e8res ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est pr\u00e9f\u00e9rable d'informer rapidement de vos difficult\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>vos <strong>cr\u00e9anciers<\/strong>, bailleurs, centre des imp\u00f4ts, fournisseurs d'\u00e9nergie... pour n\u00e9gocier avec eux des d\u00e9lais de paiement, obtenir un tarif social ou encore les payer par ch\u00e8que \u00e9nergie,<\/li><li>votre <strong>conseiller bancaire<\/strong> pour \u00e9tudier ensemble les possibilit\u00e9s d'am\u00e9nagement de vos produits et services bancaires.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre conseiller \u00e9tudiera avec vous le fonctionnement de votre compte et pourra adapter au besoin votre facilit\u00e9 de caisse, l'autorisation de d\u00e9couvert, etc. Il pourra adapter vos moyens de paiement et vous inviter \u00e0 choisir plut\u00f4t une carte \u00e0 autorisation syst\u00e9matique par exemple... <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de fragilit\u00e9 financi\u00e8re identifi\u00e9e, la banque vous proposera l'<strong>offre sp\u00e9cifique<\/strong>. Cette offre inclut une gamme de services adapt\u00e9s pour faciliter la bonne gestion du compte tout en limitant les frais d'incidents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br>Que deviennent vos cr\u00e9dits ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Certains <strong>pr\u00eats immobiliers<\/strong> sont modulables. Lisez votre contrat : vous pourrez alors diminuer le montant de vos mensualit\u00e9s ou les reporter pendant quelques mois. V\u00e9rifiez si vous avez souscrit une assurance qui :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>rembourse d\u00e9finitivement totalement ou partiellement le capital (assurance d\u00e9c\u00e8s du co-emprunteur, assurance Perte Totale et Irr\u00e9versible d'Autonomie),<\/li><li>prend en charge temporairement les mensualit\u00e9s (assurance Invalidit\u00e9 Temporaire \/ assurance Incapacit\u00e9 de Travail \/ assurance perte d'emploi).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\"><strong>A noter<\/strong> : Il existe dans certain cas un d\u00e9lai de prise en compte (d\u00e9lai de carence) de votre dossier par l'assureur avant d'\u00eatre indemnis\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez demander un <strong>regroupement de cr\u00e9dits<\/strong> (plusieurs pr\u00eats \u00e0 la consommation par exemple). La reprise de plusieurs de vos cr\u00e9dits en un seul, sur une dur\u00e9e plus longue, permet de r\u00e9duire le montant de la mensualit\u00e9. En revanche, cela augmente le co\u00fbt total du cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"Anticiper les baisses de revenus et r\u00e9agir\" : <\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li>Les sites <a href=\"https:\/\/mes-aides.gouv.fr\/\" target=\"_blank\" rel=\"noreferrer noopener\">mes-aides.gouv <\/a> et <a href=\"https:\/\/www.mesdroitssociaux.gouv.fr\/accueil\/\" target=\"_blank\" rel=\"noreferrer noopener\">mesdroitssociaux.gouv<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/actualites\/A17666\" target=\"_blank\">Solutions en cas de difficult\u00e9s \u00e0 payer vos imp\u00f4ts\u00a0sur Service-Public.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/N23557\" target=\"_blank\">Aides au paiement des factures<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.chequeenergie.gouv.fr\/\" target=\"_blank\">Le site du ch\u00e8que \u00e9nergie<\/a> <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:2335,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/se-faire-accompagner-en-cas-de-difficultes-financieres\/&quot;,&quot;title&quot;:&quot;Difficult\u00e9s financi\u00e8res : comment se faire accompagner ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/difficultes-705x470-1-150x150.jpg&quot;,&quot;likes&quot;:31}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"2335\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/se-faire-accompagner-en-cas-de-difficultes-financieres\/\"\n         data-title=\"Difficult\u00e9s financi\u00e8res : comment se faire accompagner ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/se-faire-accompagner-en-cas-de-difficultes-financieres\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/difficultes-705x470-1-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/difficultes-705x470-1-705x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/difficultes-705x470-1-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2023\/09\/difficultes-705x470-1.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">En cas de difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Difficult\u00e9s financi\u00e8res : comment se faire accompagner ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:799,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/lepargne-de-precaution-en-quoi-ca-consiste\/&quot;,&quot;title&quot;:&quot;L\\u0027\u00e9pargne de pr\u00e9caution : en quoi \u00e7a consiste ?&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-precaution-_BD-150x150.jpg&quot;,&quot;likes&quot;:2}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"799\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lepargne-de-precaution-en-quoi-ca-consiste\/\"\n         data-title=\"L&#039;\u00e9pargne de pr\u00e9caution : en quoi \u00e7a consiste ?\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">&lt; 1 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lepargne-de-precaution-en-quoi-ca-consiste\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-precaution-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-precaution-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-precaution-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/epargne-precaution-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">L&#039;\u00e9pargne de pr\u00e9caution<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">L&#039;\u00e9pargne de pr\u00e9caution : en quoi \u00e7a consiste ?<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:69,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon budget&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:116}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"69\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\"\n         data-title=\"Ma\u00eetriser mon budget\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Hors-s\u00e9rie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon budget<\/span>\n                <\/h3>\n                                <p class=\"card__article\">G\u00e9rer son budget peut sembler fastidieux, on ne sait pas toujours comment proc\u00e9der, par o\u00f9 commencer, ni quels outils utiliser. C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:7367,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/je-me-separe\/&quot;,&quot;title&quot;:&quot;Je me s\u00e9pare&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-150x150.jpg&quot;,&quot;likes&quot;:44}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"7367\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/je-me-separe\/\"\n         data-title=\"Je me s\u00e9pare\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">6 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/je-me-separe\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/separation-csq-compte-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">J&#039;ai des difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Je me s\u00e9pare<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:396,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-perte-revenus\/&quot;,&quot;title&quot;:&quot;Bien r\u00e9agir en cas de perte de revenus&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:39}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"396\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-perte-revenus\/\"\n         data-title=\"Bien r\u00e9agir en cas de perte de revenus\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/reagir-perte-revenus\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Bien r\u00e9agir en cas de perte de revenus<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Ch\u00f4mage, maladie, s\u00e9paration\u2026 les accidents de la vie engendrent souvent une perte de revenus. Comment faire face aux d\u00e9penses courantes et au remboursement des cr\u00e9dits alors (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:69,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon budget&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:116}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"69\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\"\n         data-title=\"Ma\u00eetriser mon budget\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Hors-s\u00e9rie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon budget<\/span>\n                <\/h3>\n                                <p class=\"card__article\">G\u00e9rer son budget peut sembler fastidieux, on ne sait pas toujours comment proc\u00e9der, par o\u00f9 commencer, ni quels outils utiliser. C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:398,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/&quot;,&quot;title&quot;:&quot;Pilote Budget : une application pour mieux piloter votre budget&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-150x150.jpg&quot;,&quot;likes&quot;:51}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"398\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/\"\n         data-title=\"Pilote Budget : une application pour mieux piloter votre budget\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Au quotidien<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Pilote Budget : une application pour mieux piloter votre budget<\/span>\n                <\/h3>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C'est pourquoi, vous devez notamment vous constituer r\u00e9guli\u00e8rement une \u00e9pargne de pr\u00e9caution ou encore souscrire des assurances emprunteur avec votre cr\u00e9dit. Si vos revenus baissent, vous devez r\u00e9agir rapidement pour actionner les aides (RSA, Allocation ch\u00f4mage, CMU-C, ACS\u2026) et ajuster votre budget. Comment se pr\u00e9munir contre [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6226,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":12,"views":9778,"viewed_at":"1778470965","newsletter":"0","_yoast_wpseo_primary_category":127,"footnotes":""},"categories":[127,270,275],"tags":[],"class_list":["post-328","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-en-cas-de-difficultes","category-mes-moments-de-vie","category-mon-budget"],"yoast_head":"<title>Anticiper une baisse de revenus et r\u00e9agir - En cas de difficult\u00e9s - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C&#039;est pourquoi, vous devez savoir r\u00e9agir et qui contacter.\" \/>\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.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Anticiper une baisse de revenus et r\u00e9agir - En cas de difficult\u00e9s - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C&#039;est pourquoi, vous devez savoir r\u00e9agir et qui contacter.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/\" \/>\n<meta property=\"og:site_name\" content=\"Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"article:published_time\" content=\"2024-12-06T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-12-09T10:36:16+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1962\" \/>\n\t<meta property=\"og:image:height\" content=\"1018\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"bdurand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"bdurand\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/\"},\"author\":{\"name\":\"bdurand\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\"},\"headline\":\"Anticiper une baisse de revenus et r\u00e9agir\",\"datePublished\":\"2024-12-06T22:00:00+00:00\",\"dateModified\":\"2024-12-09T10:36:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/\"},\"wordCount\":965,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/anticiper-baisse-revenus-_BD.jpg\",\"articleSection\":[\"En cas de difficult\u00e9s\",\"Mes moments de vie\",\"Mon budget\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/\",\"name\":\"Anticiper une baisse de revenus et r\u00e9agir - En cas de difficult\u00e9s - Les cl\u00e9s de la banque - Particulier\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/anticiper-baisse-revenus-_BD.jpg\",\"datePublished\":\"2024-12-06T22:00:00+00:00\",\"dateModified\":\"2024-12-09T10:36:16+00:00\",\"description\":\"Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C'est pourquoi, vous devez savoir r\u00e9agir et qui contacter.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/anticiper-baisse-revenus-_BD.jpg\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/anticiper-baisse-revenus-_BD.jpg\",\"width\":1962,\"height\":1018},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/anticiper-les-baisses-de-revenus-et-reagir\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Anticiper une baisse de revenus et r\u00e9agir\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#website\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/\",\"name\":\"Les cl\u00e9s de la banque - Particulier\",\"description\":\"Les cl\u00e9s de la banque - Particulier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#organization\",\"name\":\"Les cl\u00e9s de la banque - Particulier\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2.png\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2.png\",\"width\":150,\"height\":100,\"caption\":\"Les cl\u00e9s de la banque - Particulier\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\",\"name\":\"bdurand\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"caption\":\"bdurand\"}}]}<\/script>","yoast_head_json":{"title":"Anticiper une baisse de revenus et r\u00e9agir - En cas de difficult\u00e9s - Les cl\u00e9s de la banque - Particulier","description":"Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C'est pourquoi, vous devez savoir r\u00e9agir et qui contacter.","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.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/","og_locale":"fr_FR","og_type":"article","og_title":"Anticiper une baisse de revenus et r\u00e9agir - En cas de difficult\u00e9s - Les cl\u00e9s de la banque - Particulier","og_description":"Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C'est pourquoi, vous devez savoir r\u00e9agir et qui contacter.","og_url":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/","og_site_name":"Les cl\u00e9s de la banque - Particulier","article_published_time":"2024-12-06T22:00:00+00:00","article_modified_time":"2024-12-09T10:36:16+00:00","og_image":[{"width":1962,"height":1018,"url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg","type":"image\/jpeg"}],"author":"bdurand","twitter_card":"summary_large_image","twitter_misc":{"Written by":"bdurand","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#article","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/"},"author":{"name":"bdurand","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa"},"headline":"Anticiper une baisse de revenus et r\u00e9agir","datePublished":"2024-12-06T22:00:00+00:00","dateModified":"2024-12-09T10:36:16+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/"},"wordCount":965,"publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#organization"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg","articleSection":["En cas de difficult\u00e9s","Mes moments de vie","Mon budget"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/","url":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/","name":"Anticiper une baisse de revenus et r\u00e9agir - En cas de difficult\u00e9s - Les cl\u00e9s de la banque - Particulier","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#primaryimage"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg","datePublished":"2024-12-06T22:00:00+00:00","dateModified":"2024-12-09T10:36:16+00:00","description":"Une perte de revenus peut \u00eatre soudaine et impr\u00e9visible. C'est pourquoi, vous devez savoir r\u00e9agir et qui contacter.","breadcrumb":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#primaryimage","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg","width":1962,"height":1018},{"@type":"BreadcrumbList","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lesclesdelabanque.com\/particulier\/"},{"@type":"ListItem","position":2,"name":"Anticiper une baisse de revenus et r\u00e9agir"}]},{"@type":"WebSite","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#website","url":"https:\/\/www.lesclesdelabanque.com\/particulier\/","name":"Les cl\u00e9s de la banque - Particulier","description":"Les cl\u00e9s de la banque - Particulier","publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lesclesdelabanque.com\/particulier\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#organization","name":"Les cl\u00e9s de la banque - Particulier","url":"https:\/\/www.lesclesdelabanque.com\/particulier\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/logo\/image\/","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2.png","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2.png","width":150,"height":100,"caption":"Les cl\u00e9s de la banque - Particulier"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa","name":"bdurand","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","caption":"bdurand"}}]}},"_links":{"self":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/posts\/328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/comments?post=328"}],"version-history":[{"count":0,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/posts\/328\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/media\/6226"}],"wp:attachment":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/media?parent=328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/categories?post=328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/tags?post=328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}