La santé mentale et physique fait l’objet d’une grande sensibilisation, mais qu’en est-il de la santé financière? Une bonne santé financière favorise la confiance, la détente et la tranquillité d’esprit, tandis qu’une mauvaise santé financière peut avoir les effets inverses, notamment une faible estime de soi, du stress, de l’anxiété et de la dépression. Ces sentiments négatifs sont d’autant plus accablants quand les membres de votre personnel peinent à payer leurs factures tout en s’endettant de plus en plus. Par conséquent, cela peut entraîner des distractions sur le lieu de travail et une baisse de la productivité. Heureusement, vous pouvez aider les membres de votre personnel à améliorer leur santé financière en leur communiquant ces conseils utiles.
Planification du budget en fonction des émotions
The catch is, we often find ourselves trying to regulate our mood by spending. Whether you treat yourself to a lavish latte before a tough work day, splurge on supper after that same long day, or enjoy a well-deserved weekend away to put your work week behind you, it’s easy to turn to retail therapy for relief. Unfortunately, after you take that last sip, bite, or return from vacation, you might regret spending money on luxuries, especially when your credit card statement or chequing account balance gives you an unwelcomed reminder.
So, before you begin your journey to positive financial health by following the steps below, first try to understand why and when you make purchases to better understand your spending habits. If you notice that you tend to go on a shopping spree when sad, frustrated, or downright bored, encourage yourself to replace that activity with one that’s free and healthy, such as going for a walk or talking to a friend. You will soon realize that your financial health is within your control and that your positive emotions don’t have to come at the expense of your wallet.
Faire un pas (ou sept) vers une bonne santé financière
If you are trying to keep your head above water to make minimum credit card payments or pay bills, it might be a good idea to take these seven proactive steps in the direction of financial stability.
Étape 1: Étape 1 : Téléchargez et commencez à remplir notre feuille de calcul pour le budget de 2025.
Étape 2Dressez la liste de tous les revenus nets (après impôts).
Tip: If you get paid bi-weekly, simply multiply your paycheck by 2. Then, you will have an extra two paychecks per year in case of financial emergencies.
Étape 3: List all monthly and annual expenses. Don’t forget to account for infrequent yet large purchases, such as vacations, school supplies, and seasonal activities like skiing or your child’s sports team enrollment. Also, if you have a general recreation fund, make sure it accurately reflects your spending habits, e.g. if you set aside $100 per month to spend at restaurants, review past receipts or charges to see if your estimate is correct. Inaccurate mental accounting leads us to believe we have more discretionary income than we really do.
Tip: If you have recurring debt, remember to list the average interest charges as an expense.
Étape 4: Once you have an accurate understanding of how much you have coming in and going out, you can start to see where you can cut back. If an expense strikes you as unnecessary, or just unnecessarily high, think if it’s reasonable to remove it completely or just reduce it slightly. After all, you deserve to treat yourself now and then!
Étape 5: Examinez la ligne du bas de votre budget.
If you see a positive number, congratulations! That indicates you live within your means and can allocate that surplus to savings, a long-awaited purchase, or pay down debt to reduce interest charges.
If you see a negative number, don’t worry, you have the power to turn it into a positive number – with just a little planning.
Étape 6: Acknowledge your feelings when you’re reviewing your budget – positive and negative. Perhaps you feel overwhelmed or embarrassed about your current financial health. Focus on the word current, which means that it’s not necessarily permanent.
Some events and expenses can be unexpected and out of your control, like a costly car repair, so it’s important to remember that although you have the power to improve your financial health, sometimes it’s easier said than done. Never think that your finances reflect you as a person, but rather a necessary (albeit tedious) part of life.
Étape 7: Make a change (if you see fit). Remember that no two lives or budgets are the same, so what works for one person, might not necessarily work for you. Knowing that you can decide what aspects of your budget you’re willing to adjust and what expenses you can’t live without. Either way, having a complete, accurate, and regularly updated budget on hand will give you the clarity you need to make financially healthy decisions going forward.
By encouraging your employees to follow these steps and reflect upon their current and desired financial states, 2025 can be the year you embrace positive financial health while relieving unhealthy financial stress.
Pour en savoir plus sur les services d’orientation financière proposés par le programme d’aide aux employé·e·s de la plateforme Parcours de Homewood, visitez : https://homewoodpathfinder.com/fr/employee-assistance-program/