{"id":21486,"date":"2023-08-25T00:00:00","date_gmt":"2023-08-25T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/comment-reduire-les-depenses-impulsives\/"},"modified":"2024-02-14T14:54:53","modified_gmt":"2024-02-14T14:54:53","slug":"comment-reduire-les-depenses-impulsives","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/comment-reduire-les-depenses-impulsives\/","title":{"rendered":"Comment r\u00e9duire les d\u00e9penses impulsives"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/etablissement-dun-budget\/\">\n\t\t\t\t\t\t\t<span>\u00c9tablissement d\u2019un budget<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Comment r\u00e9duire les d\u00e9penses impulsives<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T100839.495.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Sacs \u00e0 provisions miniatures en papier pos\u00e9s sur un ordinateur portable\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T100839.495.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T100839.495.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-26T100839.495.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Comment r\u00e9duire les d\u00e9penses impulsives &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/comment-reduire-les-depenses-impulsives\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/comment-reduire-les-depenses-impulsives\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published 25 ao\u00fbt 2023 \u2022 6 min de lecture<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Les achats impulsifs sont assez courants \u2013 on ach\u00e8te pour soulager le stress apr\u00e8s une mauvaise journ\u00e9e, se faire plaisir apr\u00e8s une longue semaine, ou parce qu&rsquo;on ne pouvait laisser passer une aubaine.<\/p>\n\n\n\n<p>Pendant la pand\u00e9mie, les Canadiens ont eu envie de faire davantage d&rsquo;achats en ligne et de soutenir les entreprises locales, ce qui a stimul\u00e9 certaines \u00e9motions et donn\u00e9 envie de cliquer, de glisser, de taper et d&rsquo;acheter. Des \u00e9tudes montrent que le fait de d\u00e9penser de l&rsquo;argent peut d\u00e9clencher une pouss\u00e9e de dopamine, l&rsquo;hormone du bonheur ; il n&rsquo;est donc pas \u00e9tonnant que les gens d\u00e9pensent de l&rsquo;argent pour se sentir mieux.<\/p>\n\n\n\n<p>Mais si les achats impulsifs sont tr\u00e8s courants, les d\u00e9penses \u00e9motives incontr\u00f4l\u00e9es \u2013 m\u00eame si l&rsquo;on en conna\u00eet les cons\u00e9quences potentielles \u2013 peuvent avoir de graves r\u00e9percussions sur vos finances.<\/p>\n\n\n\n<p>Voici quelques raisons pour lesquelles les gens ach\u00e8tent de mani\u00e8re impulsive et ce que vous pouvez faire pour mieux contr\u00f4ler ce type de d\u00e9penses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu&rsquo;est-ce qu&rsquo;une d\u00e9pense impulsive ?<b><\/b><\/h2>\n\n\n\n<p>Une d\u00e9pense est consid\u00e9r\u00e9e comme impulsive lorsque le consommateur effectue un achat spontan\u00e9 et \u00e9motif qu&rsquo;il n&rsquo;a pas planifi\u00e9, ni budg\u00e9tis\u00e9, ni m\u00fbrement r\u00e9fl\u00e9chi. Les impulsions peuvent \u00eatre difficiles \u00e0 r\u00e9fr\u00e9ner et sont souvent le r\u00e9sultat d&rsquo;\u00e9motions telles que la joie ou la col\u00e8re et d&rsquo;autres facteurs psychologiques.<\/p>\n\n\n\n<p>Bien que tous les achats non planifi\u00e9s ne soient pas n\u00e9cessairement impulsifs, des recherches montrent \u00e9galement que la pand\u00e9mie de COVID-19 a augment\u00e9 les achats impulsifs chez de nombreux consommateurs, car cela peut leur <a href=\"https:\/\/pubmed.ncbi.nlm.nih.gov\/34769636\/\" target=\"_blank\" rel=\"noopener\">donner un sentiment de contr\u00f4le<\/a> devant une situation sur laquelle ils n&rsquo;ont pas l&rsquo;impression d&rsquo;avoir d&#8217;emprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi les gens d\u00e9pensent-ils de mani\u00e8re impulsive ?<b><\/b><\/h3>\n\n\n\n<p>Une <a href=\"https:\/\/onlinelibrary.wiley.com\/doi\/abs\/10.1111\/j.1468-2370.2012.00345.x\" target=\"_blank\" rel=\"noopener\">\u00e9tude<\/a> sur la psychologie comportementale des achats impulsifs sugg\u00e8re que les habitudes d&rsquo;achat sont influenc\u00e9es par des \u00e9l\u00e9ments tels que :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>les traits de personnalit\u00e9<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les croyances et les attitudes en mati\u00e8re d&rsquo;achat<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les valeurs culturelles<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>les facteurs d\u00e9mographiques<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Ces influences internes se combinent \u00e0 des facteurs externes, comme la mani\u00e8re dont un magasin pr\u00e9sente un article pour favoriser les achats impulsifs. Entrent dans ces combinaisons :<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>la gratification imm\u00e9diate.<\/strong>\u00a0Les achats en magasin et en ligne procurent une pouss\u00e9e de dopamine qui rend les consommateurs heureux.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>la promotion des produits.\u00a0<\/strong>Les d\u00e9taillants agissent de fa\u00e7on tr\u00e8s d\u00e9lib\u00e9r\u00e9e et strat\u00e9gique dans la mani\u00e8re dont ils pr\u00e9sentent et font la promotion des produits \u2013 comme les vitrines, les all\u00e9es des caisses et les boutiques en ligne qui sugg\u00e8rent des articles susceptibles de vous plaire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>la nouveaut\u00e9 et le plaisir de magasiner.<\/strong>\u00a0Les consommateurs sont souvent enclins \u00e0 acheter quelque chose pour le simple plaisir et la nouveaut\u00e9 \u2013 qu\u2019il s\u2019agisse d\u2019une paire de chaussettes fantaisiste, d\u2019une \u00e9pinglette amusante ou d\u2019une nouvelle saveur de leur collation pr\u00e9f\u00e9r\u00e9e.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>le sentiment de faire une bonne affaire.<\/strong>\u00a0Les consommateurs sont plus susceptibles d\u2019acheter des produits \u00e0 prix r\u00e9duit parce que cela leur donne l\u2019impression de faire une bonne affaire.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>la pression des pairs ou la peur de manquer quelque chose.\u00a0<\/strong>L\u2019acronyme FOMO (<em>fear of missing out<\/em>, soit la peur de manquer un \u00e9v\u00e9nement) est utilis\u00e9 pour d\u00e9crire le stress et l\u2019anxi\u00e9t\u00e9 que ressentent les gens lorsqu\u2019ils pensent que les autres s\u2019amusent davantage, vivent une vie plus agr\u00e9able ou ach\u00e8tent quelque chose qu\u2019ils ne peuvent pas avoir.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Comment contr\u00f4ler les d\u00e9penses impulsives<b><\/b><\/h4>\n\n\n\n<p>Il peut \u00eatre difficile de surmonter l&rsquo;envie de faire un achat impulsif. Heureusement, vous pouvez prendre des mesures pour pr\u00e9server votre budget et garder le contr\u00f4le de vos habitudes de consommation.<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Faites une liste et respectez-la.<\/strong>\u00a0Le fait de voir les achats que vous avez planifi\u00e9s peut vous aider \u00e0 garder le cap, de sorte que vous serez moins tent\u00e9 d\u2019acheter des choses dont vous n\u2019avez pas vraiment besoin ou envie.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Fixez des limites.<\/strong>\u00a0Le fait de d\u00e9finir \u00e0 l\u2019avance la somme que vous avez l\u2019intention de d\u00e9penser peut vous aider \u00e0 demeurer raisonnable quand vous faites vos achats. Pour certains, cela peut sembler nouveau, mais les bonnes vieilles coupures et pi\u00e8ces de monnaie peuvent \u00eatre un moyen de freiner les d\u00e9penses impulsives.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Limitez les m\u00e9dias sociaux.<\/strong>\u00a0En raison des publicit\u00e9s cibl\u00e9es, des achats dans les applications et des promotions d\u2019influenceurs, il est plus facile que jamais de faire des achats impulsifs sur les m\u00e9dias sociaux. Limitez le temps que vous passez devant l\u2019\u00e9cran et filtrez votre fil d\u2019actualit\u00e9 afin d\u2019\u00e9viter de suivre des personnes qui d\u00e9clenchent ces pulsions d\u2019achat.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Prenez un temps de recul.<\/strong>\u00a0En vous \u00e9loignant de la tentation d\u2019un achat impulsif, vous permettez \u00e0 la partie r\u00e9fl\u00e9chie de votre cerveau de prendre le dessus. Vous pourrez ensuite d\u00e9cider si vous avez encore besoin ou envie de cet article.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>\u00c9tablissez un budget qui tient compte de l\u2019\u00e9pargne.<\/strong>\u00a0Des objectifs d\u2019\u00e9pargne (pour la retraite, les \u00e9tudes, les vacances, etc.) peuvent faciliter l\u2019\u00e9tablissement d\u2019un budget et la gestion de votre argent, car ils vous donnent une raison de travailler et de vous r\u00e9jouir.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Rep\u00e9rez les \u00e9l\u00e9ments d\u00e9clencheurs<\/strong>. Par exemple, ne commencez pas \u00e0 magasiner si vous \u00eates fatigu\u00e9, d\u00e9prim\u00e9 ou agit\u00e9. Cerner les facteurs qui d\u00e9clenchent vos achats impulsifs peut vous aider \u00e0 d\u00e9terminer si vous avez r\u00e9ellement besoin de faire cet achat ou si vous vous sentez simplement dans un certain \u00e9tat d\u2019esprit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Faites vos courses avec quelqu\u2019un.<\/strong>\u00a0Un ami ou un membre de la famille en qui vous avez confiance peut vous aider \u00e0 vous en tenir \u00e0 votre liste et \u00e0 respecter votre budget.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Rappelez-vous : il arrive que l&rsquo;on fasse des achats impulsifs ; nul besoin de vous culpabiliser de chaque achat. Mais une s\u00e9ance de magasinage th\u00e9rapeutique raisonnable devrait vous permettre de faire des achats sans que vous augmentiez votre dette ou d\u00e9passiez votre budget.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse942faa40\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse942faa40\" data-dig-id=\"LP-32776-942faa40\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><span>Un mot de nos avocats<\/span><span>Un mot de nos avocats<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse942faa40\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-fe44276f-51b5-4346-827c-564d87f67f94\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Partager cet article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Comment r\u00e9duire les d\u00e9penses impulsives &#038;body=Bonjour, je pensais que cet article de RBC Mes finances d\u2019abord pourrait vous int\u00e9resser: https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/comment-reduire-les-depenses-impulsives\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Courriel        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/comment-reduire-les-depenses-impulsives\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copier l\u2019URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-22c87994-6101-4897-adcb-fc0c759f4376\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/etablissement-dun-budget\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9tablissement d\u2019un budget<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-a-lire-ensuite\">\u00c0 lire ensuite<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"721\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Deux personnes souriantes tenant des sacs apr\u00e8s une s\u00e9ance de magasinage\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg 5213w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=300,211 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=768,541 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=1024,721 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=1536,1082 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?resize=2048,1443 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 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Voici cinq astuces pour \u00e9viter les d\u00e9couverts<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-fe44276f-51b5-4346-827c-564d87f67f94 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-fe44276f-51b5-4346-827c-564d87f67f94 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-22c87994-6101-4897-adcb-fc0c759f4376 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-22c87994-6101-4897-adcb-fc0c759f4376 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Gros plan sur les achats impulsifs, les causes de l&rsquo;exc\u00e8s d&rsquo;achats et les moyens \u00e0 prendre pour mieux contr\u00f4ler ses d\u00e9penses.<\/p>\n","protected":false},"author":10,"featured_media":21487,"parent":6520,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[305],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[295],"rbc_difficulty_level":[123],"rbc_mmm_category":[34,29,57],"class_list":["post-21486","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-etablissement-dun-budget","rbc_content_type-article","rbc_lob_group-modes-dacces","rbc_difficulty_level-beginner","rbc_mmm_category-difficulte-a-joindre-les-deux-bouts","rbc_mmm_category-endettement-et-reduction-du-stress","rbc_mmm_category-gestion-des-depenses"],"acf":{"contently_publication_id":"365087","custom_author":"","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- 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