Preparasyon Finansye

<!DOCTYPE html> <html lang="ht" dir="ltr"> <head> <meta charset="utf-8" /> <script async src="https://www.googletagmanager.com/gtag/js?id=UA-29392722-1"></script> <script>window.dataLayer = window.dataLayer || [];function gtag(){dataLayer.push(arguments)};gtag("js", new Date());gtag("set", "developer_id.dMDhkMT", true);gtag("config", "UA-29392722-1", {"groups":"default","anonymize_ip":true,"page_placeholder":"PLACEHOLDER_page_path","allow_ad_personalization_signals":false});</script> <meta name="description" content="Get financial preparedness tips to prepare financially before a disaster. Also learn how to rebuild your life after a disaster or other emergency. Konsèy sou Preparasyon Finansyè Ameriken nan tout nivo revni yo te eksperimante difikilte nan rebati lavi yo apre yon katastwòf oswa yon lòt ijans. Nan tan estrès sa yo, gen aksè a dosye pèsonèl finansye, asirans, medikal ak lòt dosye enpòtan pou kòmanse pwosesis rekiperasyon an rapidman ak efikasman." /> <link rel="canonical" href="https://www.ready.gov/ht/preparasyon-finansye" /> <meta name="facebook-domain-verification" content="l6ptjxibbd2bgtkzm3r2x9ggclp5wu" /> <meta name="Generator" content="Drupal 11 (https://www.drupal.org)" /> <meta name="MobileOptimized" content="width" /> <meta name="HandheldFriendly" content="true" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <link rel="icon" href="/sites/default/files/ready-favicon.ico" type="image/vnd.microsoft.icon" /> <link rel="alternate" hreflang="en" href="https://www.ready.gov/financial-preparedness" /> <link rel="alternate" hreflang="es" href="https://www.ready.gov/es/registros-vitales" /> <link rel="alternate" hreflang="fr" href="https://www.ready.gov/fr/financial-preparedness" /> <link rel="alternate" hreflang="ar" href="https://www.ready.gov/ar/financial-preparedness" /> <link rel="alternate" hreflang="zh-hans" href="https://www.ready.gov/zh-hans/financial" /> <link rel="alternate" hreflang="ja" href="https://www.ready.gov/ja/financial-preparedness" /> <link rel="alternate" hreflang="ko" href="https://www.ready.gov/ko/financialpreparedness" /> <link rel="alternate" hreflang="ht" href="https://www.ready.gov/ht/preparasyon-finansye" /> <link rel="alternate" hreflang="ru" href="https://www.ready.gov/ru/financial-preparedness" /> <link rel="alternate" hreflang="tl" href="https://www.ready.gov/tl/paghahanda-pinansyal" /> <link rel="alternate" hreflang="vi" href="https://www.ready.gov/vi/chuan-bi-tai-chinh" /> <title>Preparasyon Finansye | Ready.gov</title> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_lWc0o3NISGCAeo9U56MjwVeRJIr17Fq9iYnJp13HJiw.css?delta=0&language=ht&theme=uswds_ready&include=eJx1kFGOwyAMRC9Ey5GQAYeiGLzCpl16-qZJpG426p_9xrJnHAhEhi0oAgnFBG5oK7cClJ9o8Fcp19nG1n-ArntrJizgAhBxV-uJw3y5Z3zs_IZhpixnZULQvuz_wl3JNX8ToxOFMGM8DaSuWD22ZD_shhBzTafZNcx_qODpYOqzcYWyUYKxxHUxS-A7tmG5YmAyMkSxWA-Cpssjyv6trXFtsTLsxFXlQBKxB7qIjsVUOkh_avM-LWsyuRaOnfAFz3CpgA" /> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_TqkQFb3OGsgWGJeLr2lRxpZOqN7h7VZEY4E7Eh3_9AM.css?delta=1&language=ht&theme=uswds_ready&include=eJx1kFGOwyAMRC9Ey5GQAYeiGLzCpl16-qZJpG426p_9xrJnHAhEhi0oAgnFBG5oK7cClJ9o8Fcp19nG1n-ArntrJizgAhBxV-uJw3y5Z3zs_IZhpixnZULQvuz_wl3JNX8ToxOFMGM8DaSuWD22ZD_shhBzTafZNcx_qODpYOqzcYWyUYKxxHUxS-A7tmG5YmAyMkSxWA-Cpssjyv6trXFtsTLsxFXlQBKxB7qIjsVUOkh_avM-LWsyuRaOnfAFz3CpgA" /> <link rel="stylesheet" media="all" href="//fonts.googleapis.com/css?family=Merriweather:400,700|Source+Sans+Pro:200,400,600,700&display=swap" /> <link rel="stylesheet" media="all" href="/sites/default/files/css/css_8v0FlRNH2jmbzEwlpy_owE8IxfTA2G0X7G6z93tYb9I.css?delta=3&language=ht&theme=uswds_ready&include=eJx1kFGOwyAMRC9Ey5GQAYeiGLzCpl16-qZJpG426p_9xrJnHAhEhi0oAgnFBG5oK7cClJ9o8Fcp19nG1n-ArntrJizgAhBxV-uJw3y5Z3zs_IZhpixnZULQvuz_wl3JNX8ToxOFMGM8DaSuWD22ZD_shhBzTafZNcx_qODpYOqzcYWyUYKxxHUxS-A7tmG5YmAyMkSxWA-Cpssjyv6trXFtsTLsxFXlQBKxB7qIjsVUOkh_avM-LWsyuRaOnfAFz3CpgA" /> <script src="https://dap.digitalgov.gov/Universal-Federated-Analytics-Min.js?agency=DHS&subagency=FEMA&yt=true" id="_fed_an_ua_tag" async></script>  <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f); 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</div> </div> </div> </div> </div> </div> <div id="block-uswds-ready-ready2017-system-main" class="block block-system block-system-main-block"> <article data-history-node-id="171"> <div> <div class="layout layout--onecol"> <div class="layout__region layout__region--content"> <div class="clearfix text-formatted field field--name-body field--type-text-with-summary field--label-hidden field__item"> <h2><strong>Konsèy sou Preparasyon Finansyè</strong> </h2> <p>Ameriken nan tout nivo revni yo te eksperimante difikilte nan rebati lavi yo apre yon katastwòf oswa yon lòt ijans. Nan tan estrès sa yo, gen aksè a dosye pèsonèl finansye, asirans, medikal ak lòt dosye enpòtan pou kòmanse pwosesis rekiperasyon an rapidman ak efikasman.</p> <ol type="1"><li>Rasanble enfòmasyon finansye ak enpòtan pèsonèl, fanmi ak medikal.</li><li>Konsidere ekonomize lajan nan yon kont epay ijans ki ta ka itilize nan nenpòt kriz. Kenbe yon ti kantite lajan kach lakay ou nan yon kote ki an sekirite. Li enpòtan pou gen ti bòdwo sou la men paske ATM ak kat kredi ka pa travay pandan yon katastwòf lè ou bezwen achte founiti nesesè, gaz oswa manje.</li><li>Jwenn pwopriyete (pwopriyetè kay oswa lokatè), asirans sante ak lavi si ou pa genyen yo. Tout kontra asirans yo pa menm. Revize kontra-asirans ou an pou asire kantite ak kalite kouvèti asirans ou genyen an satisfè kondisyon pou tout danje posib. Asirans pwopriyetè kay pa anjeneral kouvri inondasyon, kidonk ou ka bezwen achte asirans inondasyon nan Pwogram Nasyonal Asirans Inondasyon.</li><li>Pou w jwenn plis konsèy itil sou preparasyon finansye, telechaje Twous Premye Swen Finansye Ijans (EFFAK) pou kòmanse planifye jodi a.</li></ol> <h3><strong><strong>Fè Atansyon</strong></strong></h3> <ul><li>Fè atansyon lè w pataje enfòmasyon finansye pèsonèl ou, tankou nimewo kont labank ou, nimewo sekirite sosyal ou oswa nimewo kat kredi w.</li><li>Pa klike sou lyen nan tèks oswa imèl moun ou pa konnen. Magouyè yo ka kreye fo lyen ki mennen nan sit entènèt.<ul><li>Sonje ke gouvènman an p ap rele ou oswa voye mesaj tèks ba ou ki di ou dwe lajan oswa resevwa peman sou enpak ekonomik.</li><li>Konsyan ke magouyè yo ka eseye kontakte w atravè rezo sosyal. Gouvènman an p ap kontakte w atravè rezo sosyal pou di ke ou dwe lajan oswa pou w resevwa peman.</li></ul></li><li>Kenbe nan tèt ou ke MAGOUYÈ yo ka eseye pwofite de laperèz finansye lè yo rele avèk opòtinite travay, òf konsolidasyon dèt ak plan ranbousman prè etidyan yo.</li><li>Kontakte Federal Trade Commission (FTC) nan ftc.gov/complaint si w resevwa mesaj nan men nenpòt moun ki fè reklamasyon yo se yon ajan gouvènman an.</li></ul> <h3><strong>Twous Premye Swen Finansye Ijans</strong></h3> <p><a href="/sites/default/files/2020-03/ready_emergency-financial-first-aid-toolkit.pdf">Twous Premye Swen Finansye Ijans</a> (EFFAK), yon piblikasyon konjwen <a href="https://www.operationhope.org/" target="_blank" rel="noreferrer noopener">Operasyon HOPE</a> ak FEMA, ka ede w prepare finansyèman epi bay konsèy pou diminye enpak finansye katastwòf sou oumenm ak fanmi w.</p> <p>Pou w jwenn plis enfòmasyon sou EFFAK vizite <a href="https://community.fema.gov/EFFAK" target="_blank" rel="noreferrer noopener">Paj Kominotè EFFAK</a>. </p> <p><strong><strong>Pou Óganizasyon yo</strong></strong></p> <p>Ankouraje moun nan tout òganizasyon w oswa espas travay ou pou prepare finansyèman. Men kèk ide pou ankouraje preparasyon finansye nan òganizasyon w lan:</p> <ul><li>Fè yon reyinyon sak mawon.</li><li>Fè yon prezantasyon nan yon reyinyon anplwaye ki egziste deja lè l sèvi avèk <a href="https://www.ready.gov/sites/default/files/2020-03/fema_safeguard-critical-documents-and-valuables_0.pdf" target="_blank" rel="noreferrer noopener">Pwoteksyon Dokiman Enpòtan yo [Safeguard Critical Documents and Valuables</a> pou sipòte diskisyon ou.</li><li>Mete enfòmasyon sou preparasyon finansye nan bilten mansyèl anplwaye a.</li></ul> <p><strong><strong>Nan Kay</strong></strong></p> <p>Sere dokiman enpòtan swa nan yon bwat depo sekirite, yon lektè USD ekstèn oswa sou cloud la pou fè li fasil pou jwenn aksè pandan yon katastwòf.</p> <p>Pran tan kounye a pou <a href="/sites/default/files/2020-03/fema_safeguard-critical-documents-and-valuables_0.pdf">pwoteje Dokiman Enpòtan</a> yo. Fè atansyon lè w pataje enfòmasyon finansye pèsonèl ou, tankou nimewo kont labank ou, nimewo sekirite sosyal ou oswa nimewo kat kredi w.</p> <p><strong><strong>Idantifikasyon Kay la</strong></strong></p> <ul><li>ID foto (pou pwouve idantite moun nan kay la)</li><li>Batistè (pou kenbe oswa retabli kontak avèk manm fanmi yo)</li><li>Kat Sekirite Sosyal (pou aplike pou asistans FEMA pou katastwòf)</li><li>Sèvis militè</li><li>Tag ID bèt kay</li></ul> <p><strong><strong>Dokiman Finansye ak Legal</strong></strong></p> <ul><li>Peman pou lojman (pou idantifye dosye finansye ak obligasyon yo)<ul><li>Gen kèk moun ak kèk kay ki ka fè fas ak difikilte finansye akòz pandemi an. Si ou pa panse ke ou ka peye peman prè ou a alè, imedyatman kontakte bank ou a epi diskite sou opsyon ou anvan ou sote nenpòt peman oswa pran nenpòt lòt aksyon ki kontrè ak kondisyon ki nan prè ou yo.</li></ul></li><li>Kontra-asirans yo (pou re-etabli kont finansye yo)</li><li>Sous revni (pou kenbe peman ak kredi)  </li><li>Deklarasyon taks (pou bay enfòmasyon pou kontakte founisè legal ak finansye epi pou aplike pou asistans FEMA pou katastwòf)</li></ul> <p><strong><strong>Enfòmasyon Medikal</strong></strong></p> <ul><li>Enfòmasyon doktè (si yo bezwen swen medikal)</li><li>Kopi enfòmasyon sou asirans sante (pou asire w ke swen ki egziste deja kontinye san entèripsyon)</li><li>Dosye vaksen yo</li><li>Medikaman yo</li></ul> <p><strong><strong>Enfòmasyon Asirans</strong></strong></p> <p>Èske w gen asirans pou kay ou oswa pwopriyete biznis ou se pi bon fason pou asire w ke w ap gen resous finansye ki nesesè pou ede w repare, rekonstwi oswa ranplase sa ki domaje. <a href="/sites/default/files/2020-03/ready_document-and-insure-your-property.pdf" target="_blank" rel="noreferrer noopener">Dokimante epi asire pwopriyete w la kounye a.</a></p> <p><strong><strong>Enfòmasyon Kontak sou Kay la</strong></strong></p> <ul><li>Enstitisyon bankè yo</li><li>Ajan asirans yo</li><li>Pwofesyonèl sante</li><li>Founisè sèvis yo</li><li>Kote ou adore</li></ul> <p><strong><strong>Jwenn Avantaj ou yo Elektwonikman</strong></strong></p> <p>Yon katastwòf ka deranje sèvis lapòs pou jou oswa semèn. Si w depannde Sekirite Sosyal oswa lòt benefis regilye, chanje nan peman elektwonik se yon fason senp, enpòtan pou pwoteje tèt ou finansyèman anvan katastwòf frape. Li elimine tou risk pou yo vòlè chèk yo.</p> <p>Depatman Trezò a rekòmande de fason ki pi an sekirite pou jwenn benefis federal yo:</p> <ul><li><strong>Depo dirèk</strong> nan yon kont chèk oswa kont epay. Si w resevwa benefis federal ou ka enskri lè w rele 800-333-1795 oswa <a href="https://fiscal.treasury.gov/GoDirect/" target="_blank" rel="noreferrer noopener">enskri sou entènèt</a>.</li><li>Kat debi prepeye <strong>Direct Express</strong>® la fèt kòm yon altènatif ki san danje epi fasil pase papye.</li></ul> <p>Aplike pou alokasyon chomaj, swen sante, ak manje ak nitrisyon gouvènman an finanse pou konplete revni w oswa ekonomi w.</p> <p>Konsidere itilize sèvis bankè sou entènèt ak mobil, si ou kapab. Sèvis sa yo pèmèt ou pratike distans sosyal ak fè tranzaksyon bankè anmenmtan.</p> <h2><strong>Kontni ki gen Rapò</strong></h2> <ul><li><a href="https://www.ready.gov/sites/default/files/2020-03/cfpb-disaster-checklist-worksheet.pdf" target="_blank" rel="noreferrer noopener">Consumer Financial Protection Bureau Worksheet</a> (PDF)</li><li><a href="https://www.ready.gov/sites/default/files/2021-01/ready_financial-emergency_info-sheet.pdf" target="_blank" rel="noreferrer noopener">Financial Emergency Information Sheet</a> (PDF)</li><li><a href="https://www.ready.gov/financial-toolkit">Financial Preparedness Toolkit</a></li><li><a href="https://www.ready.gov/sites/default/files/2020-03/fema_be-prepared-financial-emergency.pdf" target="_blank" rel="noreferrer noopener">Be Prepared for a Financial Emergency</a> (PDF)</li><li><a href="https://www.ready.gov/sites/default/files/2020-03/ready_emergency-financial-first-aid-toolkit.pdf" target="_blank" rel="noreferrer noopener">Emergency Financial First Aid Kit (EFFAK)</a> (PDF)</li><li><a href="https://www.ready.gov/sites/default/files/2020-03/ready_emergency-financial-first-aid-toolkit-checklists-and-forms.pdf" target="_blank" rel="noreferrer noopener">Emergency Financial First Aid Kit (EFFAK) checklists and forms</a> (PDF)</li><li><a href="https://www.ready.gov/sites/default/files/2020-03/ready_emergency-financial-first-aid-toolkit-large-print.pdf">Emergency Financial First Aid Kit (EFFAK) Large Print </a>(PDF)</li><li><a href="https://www.fema.gov/media-collection/emergency-financial-first-aid-kit" target="_blank" rel="noreferrer noopener">Emergency Financial First Aid Kit (EFFAK) in Various Languages</a> (PDF)</li><li><a rel="noreferrer noopener" href="https://www.youtube.com/watch?v=UzhpPN1SXUk" target="_blank">Prepare your Finances for a Natural Disaster</a> (Video)</li><li><a href="https://www.ready.gov/sites/default/files/2020-03/fema_safeguard-critical-documents-and-valuables_0.pdf" target="_blank" rel="noreferrer noopener">Safeguard Critical Documents and Valuables</a> (PDF)</li><li><a rel="noreferrer noopener" href="https://www.operationhope.org/" target="_blank">Operation HOPE</a></li><li><a href="https://www.fema.gov/mobile-app" target="_blank" rel="noreferrer noopener">Download the FEMA mobile app</a></li><li><a rel="noreferrer noopener" href="https://www.floodsmart.gov/" target="_blank">National Flood Insurance Program</a></li><li><a rel="noreferrer noopener" href="http://www.disasterassistance.gov/" target="_blank">DisasterAssistance.gov</a></li><li><a rel="noreferrer noopener" href="http://www.treasury.gov/resource-center/financial-education/Pages/commission-index.aspx" target="_blank">Financial Literacy Education Commission</a></li><li><a rel="noreferrer noopener" href="https://www.mymoney.gov/Pages/default.aspx" target="_blank">MyMoney.gov</a></li><li><a rel="noreferrer noopener" href="https://www.consumerfinance.gov/consumer-tools/disasters-and-emergencies/" target="_blank">ConsumerFinance.gov</a></li><li><a href="https://www.ready.gov/get-tech-ready">Get Tech Ready</a></li></ul> </div> </div> </div> </div> </article> </div> </div> <div class="updated"><p>Last Updated: 03/31/2025</p></div> <p> <a href="#">Return to top</a> </p> </div> </div> </div> </main> <footer class="usa-footer usa-footer--medium" role="contentinfo"> <div class="footer-top"> <div class="grid-container "> <div class="grid-row"> <nav class="" aria-label="Footer navigation"> <div class="region region-footer-menu"> <ul class="grid-row grid-gap add-list-reset"> <li class="usa-footer__primary-content"> <a href="/ht/node/5653" class="usa-footer__primary-link" data-drupal-link-system-path="node/5653">Disasters and Emergencies</a> </li> <li class="usa-footer__primary-content"> <a href="/ht/plan" class="usa-footer__primary-link" data-drupal-link-system-path="node/5935">Make a Plan</a> </li> <li class="usa-footer__primary-content"> <a href="/ht/node/11825" 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