{"id":3687,"date":"2020-03-17T19:38:43","date_gmt":"2020-03-17T19:38:43","guid":{"rendered":"https:\/\/dev-ginsberg-gingras.flywheelsites.com\/?page_id=3687"},"modified":"2023-06-06T16:44:03","modified_gmt":"2023-06-06T20:44:03","slug":"on-line-budget","status":"publish","type":"page","link":"https:\/\/ginsberg-gingras.com\/en\/on-line-budget\/","title":{"rendered":"Online budget"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3687\" class=\"elementor elementor-3687 elementor-2127\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3d907211 elementor-section-stretched elementor-section-height-min-height elementor-section-items-bottom elementor-section-content-middle no-pad banner-gradient-page banner-page elementor-section-boxed elementor-section-height-default\" data-id=\"3d907211\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-50 elementor-top-column elementor-element elementor-element-6d28c7c7 hero_text_fix\" data-id=\"6d28c7c7\" 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-60a7e632 elementor-widget elementor-widget-text-editor\" data-id=\"60a7e632\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h1>Budget<\/h1>\n<p class=\"acs\">We resolve. You restart.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4ec4d7ca hero_image_fix\" data-id=\"4ec4d7ca\" 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-7e94a695 dce_masking-none elementor-widget elementor-widget-image\" data-id=\"7e94a695\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"509\" height=\"499\" src=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Particulier-Analysez-votre-situation-Budget-en-ligne.jpg\" class=\"attachment-large size-large wp-image-32906\" alt=\"\" srcset=\"https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Particulier-Analysez-votre-situation-Budget-en-ligne.jpg 509w, https:\/\/ginsberg-gingras.com\/wp-content\/uploads\/2023\/01\/Particulier-Analysez-votre-situation-Budget-en-ligne-300x294.jpg 300w\" sizes=\"(max-width: 509px) 100vw, 509px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\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-54c15bb newdesign-paletext newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"54c15bb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-f4263bf\" data-id=\"f4263bf\" 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-7df5d7b elementor-widget elementor-widget-text-editor\" data-id=\"7df5d7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>The importance of having a personal budget<\/h2><p>\u00a0<\/p><p>The budget is a key financial management tool. It allows you to find out if your income is higher than your expenses each month. It helps you determine your capacity to consume and to know how much you can spend without incurring debts that you would be unable to pay back. A balanced personal budget also allows you to plan and complete projects such as a home renovation or a car purchase. No matter your financial situation,<strong>\u00a0the personal budget is a tool that will let you make more informed financial choices<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-f196f14 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f196f14\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-c01a19a\" data-id=\"c01a19a\" 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-67b9f4a newdesign-darktext elementor-widget elementor-widget-text-editor\" data-id=\"67b9f4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>How to calculate your budget ?<\/h2><p>This budget table will help you record your monthly income and expenses in order to\u00a0<strong>obtain a portrait of your current finances<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e80e202 newdesign-formulaire newdesign-formulaire-withtitle elementor-widget elementor-widget-shortcode\" data-id=\"e80e202\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\nvar 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class='gfield_description' id='gfield_description_24_68'>This field is for validation purposes and should be left unchanged.<\/div><\/li><li id=\"field_24_4\" class=\"gfield gfield--type-html title no-top-margin gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Your Information<\/li><li id=\"field_24_6\" class=\"gfield gfield--type-select gf_left_half pad-left full_width_mobile field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_6'>Salutation<\/label><div class='ginput_container ginput_container_select'><select name='input_6' id='input_24_6' class='medium gfield_select'     aria-invalid=\"false\" ><option value='Mr.' >Mr.<\/option><option value='Mrs.' >Mrs.<\/option><\/select><\/div><\/li><li id=\"field_24_8\" class=\"gfield gfield--type-text gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_8'>First name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_8' id='input_24_8' type='text' value='' class='medium'    placeholder='First name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_24_10\" class=\"gfield gfield--type-text gf_left_half pad-left full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_10'>Last name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_10' id='input_24_10' type='text' value='' class='medium'    placeholder='Last name *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_24_9\" class=\"gfield gfield--type-phone gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_9'>Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_9' id='input_24_9' type='tel' value='' class='large'  placeholder='Phone *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_24_12\" class=\"gfield gfield--type-email gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_12'>Email<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_12' id='input_24_12' type='email' value='' class='medium'   placeholder='Email *' aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/li><li id=\"field_24_7\" class=\"gfield gfield--type-text gf_right_half full_width_mobile gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_7'>City<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_7' id='input_24_7' type='text' value='' class='large'    placeholder='City *' aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/li><li id=\"field_24_13\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly Income\n<span class=\"arrow\"><\/span><\/li><li id=\"field_24_14\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly household income<br>\n <span class=\"small-txt\">(after taxes and deductions)<\/span><\/li><li id=\"field_24_15\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_15'>Monthly household income<\/label><div class='ginput_container ginput_container_number'><input name='input_15' id='input_24_15' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_16\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Support payments<\/li><li id=\"field_24_17\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_17'>Support payments<\/label><div class='ginput_container ginput_container_number'><input name='input_17' id='input_24_17' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_21\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Allowance<\/li><li id=\"field_24_19\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_19'>Allowance<\/label><div class='ginput_container ginput_container_number'><input name='input_19' id='input_24_19' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_40\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Other<\/li><li id=\"field_24_41\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_41'>Other<\/label><div class='ginput_container ginput_container_number'><input name='input_41' id='input_24_41' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_42\" class=\"gfield gfield--type-html filed-label total gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Total income<\/li><li id=\"field_24_43\" class=\"gfield gfield--type-number filed-number gf_right_half gfield_calculation field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_43'>Total income<\/label><div class='ginput_container ginput_container_number'><input name='input_43' id='input_24_43' type='text' step='any'   value='' class='medium gform-text-input-reset'  readonly=\"readonly\"  placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_20\" class=\"gfield gfield--type-html title gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly expenses\n<span class=\"arrow\"><\/span><\/li><li id=\"field_24_23\" class=\"gfield gfield--type-html filed-label gf_left_half lh pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Rent\/Mortgage<\/li><li id=\"field_24_22\" class=\"gfield gfield--type-number filed-number gf_right_half ht field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_22'>Rent\/Mortgage<\/label><div class='ginput_container ginput_container_number'><input name='input_22' id='input_24_22' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_24\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Property Taxes \/ School Taxes<\/li><li id=\"field_24_35\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_35'>Property Taxes \/ School Taxes<\/label><div class='ginput_container ginput_container_number'><input name='input_35' id='input_24_35' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_27\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Home \/ tenant insurance<\/li><li id=\"field_24_34\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_34'>Home \/ tenant insurance<\/label><div class='ginput_container ginput_container_number'><input name='input_34' id='input_24_34' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_30\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Electricity<\/li><li id=\"field_24_33\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_33'>Electricity<\/label><div class='ginput_container ginput_container_number'><input name='input_33' id='input_24_33' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_28\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Heating<\/li><li id=\"field_24_32\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_32'>Heating<\/label><div class='ginput_container ginput_container_number'><input name='input_32' id='input_24_32' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_29\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Television <br>\n<span class=\"small-txt\">(cable \/ satellite)<\/span><\/li><li id=\"field_24_31\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_31'>Television<\/label><div class='ginput_container ginput_container_number'><input name='input_31' id='input_24_31' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_26\" class=\"gfield gfield--type-html filed-label gf_left_half lh pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Phone \/ Mobile<\/li><li id=\"field_24_37\" class=\"gfield gfield--type-number filed-number gf_right_half ht field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_37'>Phone \/ Mobile<\/label><div class='ginput_container ginput_container_number'><input name='input_37' id='input_24_37' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_18\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Internet<\/li><li id=\"field_24_36\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_36'>Internet<\/label><div class='ginput_container ginput_container_number'><input name='input_36' id='input_24_36' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_39\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Groceries<\/li><li id=\"field_24_38\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_38'>Groceries<\/label><div class='ginput_container ginput_container_number'><input name='input_38' id='input_24_38' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_44\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Clothing<\/li><li id=\"field_24_58\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_58'>Clothing<\/label><div class='ginput_container ginput_container_number'><input name='input_58' id='input_24_58' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_55\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Vehicle expenses <br>\n<span class=\"small-txt\">(payments, gas, parking, maintenance, repairs)<\/span><\/li><li id=\"field_24_57\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_57'>Vehicle expenses<\/label><div class='ginput_container ginput_container_number'><input name='input_57' id='input_24_57' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_54\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Car insurance<\/li><li id=\"field_24_56\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_56'>Car insurance<\/label><div class='ginput_container ginput_container_number'><input name='input_56' id='input_24_56' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_45\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Public transportation<\/li><li id=\"field_24_60\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_60'>Public transportation<\/label><div class='ginput_container ginput_container_number'><input name='input_60' id='input_24_60' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_53\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Child related<\/li><li id=\"field_24_59\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_59'>Child related<\/label><div class='ginput_container ginput_container_number'><input name='input_59' id='input_24_59' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_52\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Daycare<\/li><li id=\"field_24_62\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_62'>Daycare<\/label><div class='ginput_container ginput_container_number'><input name='input_62' id='input_24_62' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_51\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Child support \/ Alimony<\/li><li id=\"field_24_61\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_61'>Child support \/ Alimony<\/label><div class='ginput_container ginput_container_number'><input name='input_61' id='input_24_61' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_50\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Health related expenses<\/li><li id=\"field_24_64\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_64'>Health related expenses<\/label><div class='ginput_container ginput_container_number'><input name='input_64' id='input_24_64' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_49\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Cigarettes, tobacco, alcohol<\/li><li id=\"field_24_66\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_66'>Cigarettes, tobacco, alcohol<\/label><div class='ginput_container ginput_container_number'><input name='input_66' id='input_24_66' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_48\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Other<\/li><li id=\"field_24_67\" class=\"gfield gfield--type-number filed-number gf_right_half field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_67'>Other<\/label><div class='ginput_container ginput_container_number'><input name='input_67' id='input_24_67' type='number' step='any'   value='' class='medium'    placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_47\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left total gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Total expenses<\/li><li id=\"field_24_63\" class=\"gfield gfield--type-number filed-number gf_right_half gfield_calculation field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_63'>Total expenses<\/label><div class='ginput_container ginput_container_number'><input name='input_63' id='input_24_63' type='text' step='any'   value='' class='medium gform-text-input-reset'  readonly=\"readonly\"  placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><li id=\"field_24_46\" class=\"gfield gfield--type-html filed-label gf_left_half pad-left total gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Monthly budget surplus (deficit)<\/li><li id=\"field_24_65\" class=\"gfield gfield--type-number filed-number gf_right_half gfield_calculation field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_24_65'>Monthly budget surplus (deficit)<\/label><div class='ginput_container ginput_container_number'><input name='input_65' id='input_24_65' type='text' step='any'   value='' class='medium gform-text-input-reset'  readonly=\"readonly\"  placeholder='0.00'  aria-invalid=\"false\"  \/><\/div><\/li><\/ul><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_24' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> <input type='hidden' name='gform_ajax' value='form_id=24&amp;title=&amp;description=&amp;tabindex=49&amp;theme=legacy&amp;styles=[]&amp;hash=98f00bf0ad662e688d337f9c92d60b6c' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_24' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_24' id='gform_theme_24' value='legacy' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_24' id='gform_style_settings_24' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_24' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='24' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='USD' value='p1J5F68g2q93iDPUUw8yHlYrNlSjSwR7zCI6rRv9PuM7yUm62\/7naZPCgV1IakiKE7hzL7JmgiJQUKFREWWmjvcRJrM2G8zfYLk6RBGmOyFwMMg=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_24' value='WyJbXSIsIjQzZjI1ZTQ1NjkyNzA3OTIxOTgxYjgzYTExNzI2MjUwIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_24' id='gform_target_page_number_24' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_24' id='gform_source_page_number_24' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <input type=\"hidden\" id=\"ct_checkjs_e6b4b2a746ed40e1af829d1fa82daa10\" name=\"ct_checkjs\" value=\"0\" \/><script >setTimeout(function(){var ct_input_name = \"ct_checkjs_e6b4b2a746ed40e1af829d1fa82daa10\";if (document.getElementById(ct_input_name) !== null) {var ct_input_value = document.getElementById(ct_input_name).value;document.getElementById(ct_input_name).value = document.getElementById(ct_input_name).value.replace(ct_input_value, '492caf6a6069e3db7cfa08a7ff6a2e5ddc54f801286abbacebbd7dfe1e21f8b1');}}, 1000);<\/script><input\n                    class=\"apbct_special_field apbct_email_id__gravity_form\"\n                    name=\"apbct__email_id__gravity_form\"\n                    aria-label=\"apbct__label_id__gravity_form\"\n                    type=\"text\" size=\"30\" maxlength=\"200\" autocomplete=\"off\"\n                    value=\"\"\n                \/><\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_24' id='gform_ajax_frame_24' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\n gform.initializeOnLoaded( function() {gformInitSpinner( 24, '\/wp-content\/uploads\/2023\/06\/transparent2.png', true );jQuery('#gform_ajax_frame_24').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_24');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_24').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_24').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_24').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_24').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/ jQuery(document).scrollTop(jQuery('#gform_wrapper_24').offset().top - mt); }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_24').val();gformInitSpinner( 24, '\/wp-content\/uploads\/2023\/06\/transparent2.png', true );jQuery(document).trigger('gform_page_loaded', [24, current_page]);window['gf_submitting_24'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_24').replaceWith(confirmation_content);jQuery(document).scrollTop(jQuery('#gf_24').offset().top - mt);jQuery(document).trigger('gform_confirmation_loaded', [24]);window['gf_submitting_24'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_24').text());}else{jQuery('#gform_24').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"24\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_24\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_24\";            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*\/\n<\/script>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\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-e896f40 newdesign-paletext newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e896f40\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-8203792\" data-id=\"8203792\" 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-b06fd1b elementor-widget elementor-widget-text-editor\" data-id=\"b06fd1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>How to monitor the evolution of your budget?<\/h2><p>\u00a0<\/p><p><strong>Making a budget and monitoring its evolution are excellent habits.<\/strong> Once you have created a budget, it must be updated frequently. Refer to it on a regular basis. It is best to monitor your budget each week to see if your expenditures respect the budgeted amounts, or if corrections must be made. It is recommended that your recalculate your personal budget as soon as an important situation arises, e.g., an increase in income or a job loss. It is a good idea to redo your budget each year to stay well informed about your personal finances.<\/p><p>\u00a0<\/p><p>No matter how often you use it, your budget should not be static. You have to follow it, and refer to it, because it is a good indicator of your financial health.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\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-650b26e newdesign-darktext elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"650b26e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-16e4aaa\" data-id=\"16e4aaa\" 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-d280794 elementor-widget elementor-widget-text-editor\" data-id=\"d280794\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>A few tips to make it easier to manage your personal budget:<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-04cae18 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04cae18\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-50 elementor-inner-column elementor-element elementor-element-8b644ab\" data-id=\"8b644ab\" 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-0fc07f0 newdesign-speclist elementor-widget elementor-widget-text-editor\" data-id=\"0fc07f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol>\n \t<li>File your bills carefully, in the same place.<\/li>\n \t<li>When possible, use a debit card or credit card to pay for your purchases since this leaves a record on your bank statements.<\/li>\n \t<li>Use a notebook or a smart-phone app to record your purchases on-the-go.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-a188e84\" data-id=\"a188e84\" 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-eedec08 newdesign-speclist elementor-widget elementor-widget-text-editor\" data-id=\"eedec08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ol start=\"4\">\n \t<li>Adjust your budget as soon as a financial change occurs.<\/li>\n \t<li>Redo your budget each year.<\/li>\n \t<li>Consult a professional if debts pile up.<\/li>\n<\/ol>\t\t\t\t\t\t\t\t<\/div>\n\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\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-56afd81 newdesign-paletext-small newdesign-bgdark elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"56afd81\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-50 elementor-top-column elementor-element elementor-element-586faca\" data-id=\"586faca\" 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-57dd46b elementor-widget elementor-widget-text-editor\" data-id=\"57dd46b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>How to pay off your credit cards?<\/strong><\/h6><p>If the amount to pay on your credit cards is bothering you, <strong>we would be happy to help you and reassure you.<\/strong> Since there is a solution to all financial problems, our role consists of finding the one that suits you in order to implement it and free you of your debts.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-66e000d\" data-id=\"66e000d\" 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-8745ff6 elementor-widget elementor-widget-text-editor\" data-id=\"8745ff6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h6><strong>Other credit card impacts<\/strong><\/h6>\n<ul>\n \t<li>The total balance of your credit cards is taken into account when you request a loan from a financial institution or other lenders.<\/li>\n \t<li>Poor use of credit cards could have an impact on your credit report.<\/li>\n \t<li>The credit company could require total reimbursement of your debt at any time. While such measures are rarely taken, they are still possible.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\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-818859f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"818859f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\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-a21b723\" data-id=\"a21b723\" 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-5a1d3b5 elementor-widget elementor-widget-template\" data-id=\"5a1d3b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"page\" data-elementor-id=\"10492\" class=\"elementor elementor-10492\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fee346d stop-popup block-gradient-stats block-stats newdesign-paletext elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fee346d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\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-25 elementor-top-column elementor-element elementor-element-c66b500\" data-id=\"c66b500\" 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-b20c007 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"b20c007\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"36\" viewBox=\"0 0 36 36\" fill=\"none\">\n  <path d=\"M32.3616 18.4246C32.3616 10.6896 26.0966 4.42456 18.3616 4.42456C10.6266 4.42456 4.36157 10.6896 4.36157 18.4246C4.36157 26.1596 10.6266 32.4246 18.3616 32.4246C26.0966 32.4246 32.3616 26.1596 32.3616 18.4246ZM35.8616 18.4246C35.8616 28.0846 28.0216 35.9246 18.3616 35.9246C8.70157 35.9246 0.861572 28.0846 0.861572 18.4246C0.861572 8.76456 8.70157 0.924561 18.3616 0.924561C28.0216 0.924561 35.8616 8.76456 35.8616 18.4246ZM14.8616 14.0496C14.8616 15.4496 13.6366 16.6746 12.2366 16.6746C10.8366 16.6746 9.61157 15.4496 9.61157 14.0496C9.61157 12.6496 10.8366 11.4246 12.2366 11.4246C13.6366 11.4246 14.8616 12.6496 14.8616 14.0496ZM27.1116 14.0496C27.1116 15.4496 25.8866 16.6746 24.4866 16.6746C23.0866 16.6746 21.8616 15.4496 21.8616 14.0496C21.8616 12.6496 23.0866 11.4246 24.4866 11.4246C25.8866 11.4246 27.1116 12.6496 27.1116 14.0496ZM18.3616 27.5771C15.2991 27.5771 12.6041 26.2996 11.0291 24.4096L13.5141 21.9246C14.3016 23.1846 16.1741 24.0771 18.3616 24.0771C20.5491 24.0771 22.4216 23.1846 23.2091 21.9246L25.6941 24.4096C24.1191 26.2996 21.4241 27.5771 18.3616 27.5771Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c3bc8a2 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"c3bc8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">satisfied clients<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"140000\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> +<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-04c69ad\" data-id=\"04c69ad\" 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-eb926e6 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"eb926e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"26\" height=\"36\" viewBox=\"0 0 26 36\" fill=\"none\">\n  <path d=\"M12.9529 0.924561C19.8457 0.924561 25.4529 6.41956 25.4529 13.1746C25.4529 22.3621 12.9529 35.9246 12.9529 35.9246C12.9529 35.9246 0.452881 22.3621 0.452881 13.1746C0.452881 6.41956 6.06002 0.924561 12.9529 0.924561ZM10.2207 21.9246L21.8815 10.3921L19.3815 7.92456L10.2207 16.9896L6.52431 13.3321L4.02431 15.7996L10.2207 21.9246Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-facaf51 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"facaf51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">in Ontario, Quebec &amp; New Brunswick <\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"40\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ offices<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-c443cb2\" data-id=\"c443cb2\" 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-0c7720d elementor-widget elementor-widget-jet-inline-svg\" data-id=\"0c7720d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" viewBox=\"0 0 33 32\" fill=\"none\">\n  <path d=\"M23.0123 21.2L27.0956 23.904L26.0248 25.856L20.8707 22.4V14.4H23.0123V21.2ZM32.2926 20.8C32.2926 26.992 27.8238 32 22.2984 32C18.9004 32 15.9164 30.096 14.1032 27.2H5.16554V14.4H0.882324L15.1597 0L25.1539 10.064C29.2801 11.44 32.2926 15.728 32.2926 20.8ZM29.4371 20.8C29.4371 16.384 26.239 12.8 22.2984 12.8C18.3578 12.8 15.1597 16.384 15.1597 20.8C15.1597 25.216 18.3578 28.8 22.2984 28.8C26.239 28.8 29.4371 25.216 29.4371 20.8Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4faa6f9 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"4faa6f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">of service in the insolvency sector<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"40\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+ years<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-ca82d81\" data-id=\"ca82d81\" 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-bdce2b7 elementor-widget elementor-widget-jet-inline-svg\" data-id=\"bdce2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-inline-svg.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-inline-svg jet-elements\"><div class=\"jet-inline-svg__wrapper\"><div class=\"jet-inline-svg\"><div class=\"jet-inline-svg__inner\"><?xml version=\"1.0\" encoding=\"UTF-8\"?>\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"36\" height=\"34\" viewBox=\"0 0 36 34\" fill=\"none\">\n  <path d=\"M32.7064 17.5152L35.2192 20.4206L23.4987 34L17.2705 26.7879L19.7833 23.8824L23.4987 28.1685L32.7064 17.5152ZM12.7833 26.7879L18.168 32.9697H0.219238V28.8485C0.219238 24.2945 6.64488 20.6061 14.5782 20.6061L17.9705 20.8327L12.7833 26.7879ZM14.5782 0C18.5449 0 21.7577 3.68848 21.7577 8.24242C21.7577 12.7964 18.5449 16.4848 14.5782 16.4848C10.6115 16.4848 7.39873 12.7964 7.39873 8.24242C7.39873 3.68848 10.6115 0 14.5782 0Z\" fill=\"white\"><\/path>\n<\/svg>\n<\/div><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9293080 newdesign-counter elementor-widget elementor-widget-counter\" data-id=\"9293080\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t<div class=\"elementor-counter-title\">acceptance rate of our consumer proposal<\/div>\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"98\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"> %<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\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\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\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>Budget The importance of having a personal budget \u00a0 The budget is a key financial management tool. It allows you to find out if your income is higher than your expenses each month. It helps you determine your capacity to consume and to know how much you can spend without incurring debts that you would [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-3687","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Online budget | Ginsberg Gingras<\/title>\n<meta name=\"description\" content=\"Plan your budget online with financial diagnosis tools from Ginsberg Gingras. 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