{"id":22264,"date":"2023-08-15T00:00:00","date_gmt":"2023-08-15T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-et-consolidation-des-dettes\/6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere\/"},"modified":"2024-02-14T19:54:19","modified_gmt":"2024-02-14T19:54:19","slug":"6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere","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-et-consolidation-des-dettes\/6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere\/","title":{"rendered":"6 fa\u00e7ons de g\u00e9rer ses dettes en p\u00e9riode de crise financi\u00e8re"},"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\">6 fa\u00e7ons de g\u00e9rer ses dettes en p\u00e9riode de crise financi\u00e8re<\/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-2023-07-10T153244.398.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Gros plan de deux personnes assises par terre avec une calculatrice et des factures\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T153244.398.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T153244.398.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T153244.398.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=6 fa\u00e7ons de g\u00e9rer ses dettes en p\u00e9riode de crise financi\u00e8re &#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-et-consolidation-des-dettes\/6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere\/\">\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-et-consolidation-des-dettes\/6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere\/\">\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 15 ao\u00fbt 2023 \u2022 4 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>En ces temps de crise financi\u00e8re, il peut sembler impensable de s&rsquo;attaquer \u00e0 ses dettes. Si vous avez du mal \u00e0 couvrir vos d\u00e9penses et \u00e0 rester \u00e0 jour dans vos factures, un plan de r\u00e9duction de dettes pourrait vous aider.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-voici-6-conseils-de-gestion-des-dettes-qui-vous-aideront-a-reduire-votre-endettement\">Voici 6 conseils de gestion des dettes qui vous aideront \u00e0 r\u00e9duire votre endettement.<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Cr\u00e9ez un budget<b><\/b><\/h3>\n\n\n\n<p>Si ce n&rsquo;est pas d\u00e9j\u00e0 le cas, il est important de savoir o\u00f9 vous en \u00eates sur le plan financier. L&rsquo;\u00e9tablissement d&rsquo;un budget peut vous y aider. Commencez par comptabiliser vos d\u00e9penses pendant au moins un mois pour voir o\u00f9 va votre argent (ne n\u00e9gligez rien). Ajoutez ensuite vos revenus. Lorsque vous voyez clairement quelles sont les entr\u00e9es et les sorties d&rsquo;argent, vous pouvez rep\u00e9rer les liquidit\u00e9s disponibles pouvant \u00eatre r\u00e9affect\u00e9es au remboursement des dettes. Et s&rsquo;il n&rsquo;y en a pas ? Passez au point 2.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. \u00c9tablissez l&rsquo;ordre de priorit\u00e9 de vos d\u00e9penses<b><\/b><\/h3>\n\n\n\n<p>Si votre budget r\u00e9v\u00e8le que vos d\u00e9penses d\u00e9passent vos revenus, il est temps de prendre des d\u00e9cisions difficiles. De nombreux experts recommandent de suivre la r\u00e8gle du 50\/30\/20. Ainsi, vous affectez la moiti\u00e9 de vos revenus aux d\u00e9penses de premi\u00e8re n\u00e9cessit\u00e9, telles que l&rsquo;alimentation et le logement, les 30 pour cent suivants \u00e0 vos d\u00e9penses de confort et les 20 pour cent restants au remboursement de vos dettes. Si vos d\u00e9penses de confort (voyages d&rsquo;agr\u00e9ment, sorties au restaurant, nouveau t\u00e9l\u00e9phone portable) sont \u00e9lev\u00e9es, cherchez ce que vous pouvez r\u00e9duire afin de consacrer une plus grande partie de cet argent au remboursement de vos dettes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. N\u00e9gociez avec les pr\u00eateurs<b><\/b><\/h3>\n\n\n\n<p>Les pr\u00eateurs souhaitent que les emprunteurs remboursent leurs dettes, et nombre d&rsquo;entre eux seront plus compr\u00e9hensifs que vous ne l&rsquo;imaginez \u00e0 l&rsquo;\u00e9gard de vos probl\u00e8mes d&rsquo;endettement. Ils sont souvent pr\u00eats \u00e0 n\u00e9gocier avec les clients qui leur demandent de l&rsquo;aide. Cela vaut la peine de communiquer avec vos cr\u00e9anciers et vos fournisseurs de services pour voir s&rsquo;ils peuvent vous aider en r\u00e9duisant les taux d&rsquo;int\u00e9r\u00eat ou vos paiements mensuels.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Consolidez vos dettes<b><\/b><\/h3>\n\n\n\n<p>Si vous avez des dettes \u00e0 plusieurs endroits ou \u00e0 des taux d&rsquo;int\u00e9r\u00eat \u00e9lev\u00e9s, il peut \u00eatre int\u00e9ressant de les consolider. Le fait de n&rsquo;avoir qu&rsquo;un seul solde peut vous donner l&rsquo;impression de mieux g\u00e9rer votre dette, car vous n&rsquo;aurez qu&rsquo;un paiement \u00e0 effectuer. De plus, en transf\u00e9rant une dette \u00e0 taux d&rsquo;int\u00e9r\u00eat \u00e9lev\u00e9 (par exemple, un solde de carte de cr\u00e9dit) vers un instrument \u00e0 taux plus faible (comme un pr\u00eat personnel ou une marge de cr\u00e9dit), vous pouvez \u00e9conomiser de mani\u00e8re substantielle sur les frais d&rsquo;int\u00e9r\u00eats. Si vous disposez d&rsquo;une valeur nette dans votre maison, envisagez une <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/hypotheques\/using-home-equity.html\" target=\"_blank\" rel=\"noopener\">marge de cr\u00e9dit sur valeur nette immobili\u00e8re<\/a> ou un refinancement hypoth\u00e9caire pour inclure votre dette dans votre pr\u00eat hypoth\u00e9caire afin d&rsquo;obtenir le taux d&rsquo;int\u00e9r\u00eat le plus bas possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Trouvez des moyens d&rsquo;augmenter vos revenus<b><\/b><\/h3>\n\n\n\n<p>Pouvez-vous ajouter des quarts de travail \u00e0 votre horaire actuel ? Et si vous vous lanciez dans un boulot d&rsquo;appoint ? Il existe de nombreuses fa\u00e7ons de gagner plus d&rsquo;argent pour rembourser vos dettes. Qu&rsquo;il s&rsquo;agisse de tutorat ou de gardiennage, de conduite pour une application de covoiturage ou de travail \u00e0 la pige, r\u00e9fl\u00e9chissez \u00e0 ce qui pourrait vous convenir.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Vendez les articles dont vous n&rsquo;avez pas besoin<b><\/b><\/h3>\n\n\n\n<p>Passez en revue vos placards et armoires \u00e0 la recherche d&rsquo;objets que vous n&rsquo;utilisez plus et songez \u00e0 les vendre. Vous pouvez opter pour une vente-d\u00e9barras \u00e0 l&rsquo;ancienne ou pour une vente en ligne. Servez-vous ensuite de l&rsquo;argent obtenu pour rembourser plus rapidement vos dettes.<\/p>\n\n\n\n<p>Toutes ces strat\u00e9gies ne vous conviendront peut-\u00eatre pas, mais si vous pouvez en mettre une ou deux en pratique, vous pourriez commencer \u00e0 r\u00e9duire vos dettes \u2013 et vous sentir dor\u00e9navant plus en contr\u00f4le de votre argent.<\/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-92a5cc81-6994-4091-a7e3-9c3f490bd886\" 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=6 fa\u00e7ons de g\u00e9rer ses dettes en p\u00e9riode de crise financi\u00e8re &#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-et-consolidation-des-dettes\/6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere\/\">\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-et-consolidation-des-dettes\/6-facons-de-gerer-ses-dettes-en-periode-de-crise-financiere\/\">\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-2fcebcf2-941f-4d54-84bb-cac38c540090\" 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=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg 2121w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?resize=2048,1365 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 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-et-consolidation-des-dettes\/\">\n\t\t\t\t\t\tGestion et consolidation des dettes\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-et-consolidation-des-dettes\/comment-rembourser-ses-dettes-plus-rapidement\/\" class=\"card-title h4 mar-t-0\">Comment rembourser ses dettes plus rapidement<\/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\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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/thumb-insufficient-funds_402x-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/\">\n\t\t\t\t\t\tGestion des d\u00e9penses\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/gestion-des-depenses\/gare-aux-mauvaises-surprises-voici-cinq-astuces-pour-eviter-les-decouverts\/\" class=\"card-title h4 mar-t-0\">Gare aux mauvaises surprises. 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\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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Stressed-about-money-Thumbnail-default@2x.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/evenements-imprevus\/gestion-du-stress-financier\/\">\n\t\t\t\t\t\tGestion du stress financier\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/evenements-imprevus\/gestion-du-stress-financier\/largent-vous-angoisse-voici-pourquoi-le-fait-den-parler-vous-aidera\/\" class=\"card-title h4 mar-t-0\">L&rsquo;argent vous angoisse ? Voici pourquoi le fait d&rsquo;en parler vous aidera<\/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-92a5cc81-6994-4091-a7e3-9c3f490bd886 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-92a5cc81-6994-4091-a7e3-9c3f490bd886 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-2fcebcf2-941f-4d54-84bb-cac38c540090 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-2fcebcf2-941f-4d54-84bb-cac38c540090 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Vos dettes vous stressent ? Voici six strat\u00e9gies pour mieux les rembourser.<\/p>\n","protected":false},"author":10,"featured_media":22265,"parent":6517,"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":[135],"rbc_difficulty_level":[123],"rbc_mmm_category":[34,29,54],"class_list":["post-22264","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-pret-hypothecaire","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-et-consolidation-des-dettes"],"acf":{"contently_publication_id":"364155","custom_author":"","rbc_video_header":"","rbc_media_duration":"","rbc_toc_for_mmm_tag":"h2","rbc_toc_for_mmm_limit":6,"rbc_toc_for_mmm":null,"rbc_toc_for_mmm_action":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.7 (Yoast SEO v26.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Vos dettes vous stressent ? 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