{"id":22616,"date":"2023-07-27T00:00:00","date_gmt":"2023-07-27T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/briser-le-cycle-des-depenses-excessives\/"},"modified":"2024-03-07T15:01:53","modified_gmt":"2024-03-07T15:01:53","slug":"briser-le-cycle-des-depenses-excessives","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/briser-le-cycle-des-depenses-excessives\/","title":{"rendered":"Briser le cycle des d\u00e9penses excessives"},"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\/gestion-de-largent\/\">\n\t\t\t\t\t\t\t<span>Gestion de l&#039;argent<\/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\">Briser le cycle des d\u00e9penses excessives<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amanda Reaume<\/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-2023-07-10T161843.364.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Sacs de magasinage miniatures d\u00e9pos\u00e9s sur un ordinateur portable\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T161843.364.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T161843.364.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T161843.364.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=Briser le cycle des d\u00e9penses excessives &#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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/briser-le-cycle-des-depenses-excessives\/\">\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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/briser-le-cycle-des-depenses-excessives\/\">\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 27 juillet 2023 \u2022 5 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>Selon une \u00e9tude r\u00e9cente de l&rsquo;<a href=\"https:\/\/mascdn.azureedge.net\/cms\/the-money-advice-service-habit-formation-and-learning-in-young-children-may2013.pdf\" target=\"_blank\" rel=\"noopener\">Universit\u00e9 de Cambridge<\/a>, les bases de notre rapport \u00e0 l&rsquo;argent se forment avant l&rsquo;\u00e2ge de 7 ans. La mani\u00e8re dont nos parents parlent d&rsquo;argent et g\u00e8rent leur argent d\u00e9terminera en grande partie notre fa\u00e7on de d\u00e9penser, d&rsquo;\u00e9pargner et d&rsquo;investir. Si des parents se disputent souvent pour des questions d&rsquo;argent, leurs enfants risquent de d\u00e9velopper un lien \u00e9motionnel n\u00e9gatif \u00e0 l&rsquo;argent. \u00c0 l&rsquo;inverse, les personnes qui ont vu leurs parents \u00e9conomiser fi\u00e8rement pour un voyage familial m\u00e9morable sont susceptibles d&rsquo;avoir un lien \u00e9motionnel plus positif \u00e0 l&rsquo;argent. Cela peut expliquer pourquoi certaines personnes r\u00e9ussissent \u00e0 trouver un \u00e9quilibre entre leur \u00e9pargne et leurs d\u00e9penses, tandis que d&rsquo;autres d\u00e9pensent tout ce qu&rsquo;elles ont \u2013 et m\u00eame ce qu&rsquo;elles n&rsquo;ont pas.<\/p>\n\n\n\n<p>Il peut \u00eatre difficile de perdre l&rsquo;habitude de trop d\u00e9penser. Pour \u00eatre en mesure de prendre le contr\u00f4le de vos d\u00e9penses, il est important de comprendre les raisons profondes qui vous poussent \u00e0 ne pas respecter votre budget :<\/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>Achats impulsifs<\/strong>&nbsp;:Si vous avez pris une tablette de chocolat pendant que vous attendiez de passer \u00e0 la caisse ou que vous avez ajout\u00e9 un croissant \u00e0 votre commande de caf\u00e9, vous avez peut-\u00eatre tendance \u00e0 effectuer des achats impulsifs. Ces achats puissent sembler n\u00e9gligeables pris individuellement, mais le probl\u00e8me c\u2019est qu\u2019ils s\u2019accumulent. L\u2019envie d\u2019acheter une chose qui n\u2019\u00e9tait pas pr\u00e9vue sans trop y r\u00e9fl\u00e9chir peut d\u00e9stabiliser votre budget, ce qui pourrait vous amener \u00e0 trop d\u00e9penser. Pour lutter contre ces achats non pr\u00e9vus, il peut \u00eatre utile de dresser la liste des articles dont vous avez besoin et de vous y tenir.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>D\u00e9penses \u00e9motives<\/strong>&nbsp;: Vous \u00eates-vous d\u00e9j\u00e0 dirig\u00e9 vers le centre commercial pour une s\u00e9ance de \u00ab magasinage th\u00e9rapeutique \u00bb ? Vous ressentez alors un flot d\u2019\u00e9motions et un bien-\u00eatre \u00e9ph\u00e9m\u00e8re, jusqu\u2019\u00e0 ce que vous vous rendiez compte que vous avez trop d\u00e9pens\u00e9. Ce n\u2019est probablement pas en magasinant pour vous changer les id\u00e9es que vous r\u00e9soudrez vos probl\u00e8mes \u00e0 long terme. Essayez de trouver d\u2019autres activit\u00e9s qui vous remonteront le moral et repoussez les emplettes \u00e0 un autre jour.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Pression des pairs et m\u00e9dias sociaux<\/strong>&nbsp;: Les m\u00e9dias sociaux et les pressions sociales peuvent l\u2019un comme l\u2019autre influencer nos habitudes de consommation. Si vous d\u00e9pensez pour correspondre \u00e0 une image ou pour \u00eatre accept\u00e9 par votre groupe de pairs, prenez un moment pour faire passer votre bien-\u00eatre d\u2019abord.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Achats au rabais<\/strong>&nbsp;: Les soldes poussent de nombreuses personnes \u00e0 d\u00e9penser plus qu\u2019elles ne le devraient. En tant que consommateurs, les gens sont souvent attir\u00e9s par les articles \u00e0 prix r\u00e9duit et laissent leur engouement pour une bonne affaire guider leurs d\u00e9cisions d\u2019achats. Si vous n\u2019aviez pas pr\u00e9vu l\u2019acheter ou n\u2019en avez pas besoin, songez \u00e0 le remettre sur la tablette.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Absence de budget<\/strong>&nbsp;:De nombreuses personnes d\u00e9pensent trop parce qu\u2019elles ne savent pas pr\u00e9cis\u00e9ment o\u00f9 va leur argent. En \u00e9tablissant un budget, vous pouvez commencer par r\u00e9gler les d\u00e9penses essentielles, comme la nourriture, le logement, les services publics et le transport. Ensuite, vous verrez quelle part de votre revenu discr\u00e9tionnaire il vous reste pour ce dont vous avez envie ou besoin.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Maintenant que vous savez mieux ce qui motive vos d\u00e9cisions d&rsquo;achats, voici quelques conseils pour vous d\u00e9faire de vos vieilles habitudes afin d&rsquo;\u00eatre en mesure d&rsquo;atteindre le contr\u00f4le financier et l&rsquo;autonomie financi\u00e8re.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conseils pour limiter les d\u00e9penses excessives<\/h2>\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>Utilisez vos cartes de cr\u00e9dit comme des cartes de d\u00e9bit&nbsp;<\/strong>: Pour vous emp\u00eacher de trop d\u00e9penser et d\u2019empiler les dettes, traitez votre carte de cr\u00e9dit comme s\u2019il s\u2019agissait d\u2019une carte de d\u00e9bit. R\u00e9glez vos achats au moyen de votre carte de cr\u00e9dit seulement si vous savez que vous pouvez rembourser le solde \u00e0 la fin du mois. Vous \u00e9vitez ainsi de payer des frais d\u2019int\u00e9r\u00eats tout en profitant du programme de r\u00e9compenses offert par la plupart des cartes de cr\u00e9dit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>\u00c9liminez l\u2019impulsivit\u00e9 des achats impulsifs<\/strong>&nbsp;: Faisiez-vous seulement du l\u00e8che-vitrine avant de voir ces chaussures indispensables ? Pour \u00e9liminer le c\u00f4t\u00e9 impulsif de l\u2019achat, prenez un moment pour r\u00e9fl\u00e9chir avant de passer \u00e0 la caisse. Demandez-vous si vous en avez vraiment envie ou besoin, et si votre budget vous le permet.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Devenez un consommateur averti<\/strong>&nbsp;: Pour magasiner intelligemment, courez les soldes. Si vous d\u00e9cidez d\u2019acheter un article sans attendre, faites une recherche rapide pour v\u00e9rifier s\u2019il est vendu \u00e0 prix r\u00e9duit ailleurs ou si votre magasin offre des rabais. Vous pourriez \u00eatre \u00e9tonn\u00e9 par les \u00e9conomies que vous r\u00e9aliserez de cette fa\u00e7on.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>\u00c9tablissez un budget<\/strong>&nbsp;: Mettez d\u2019abord de l\u2019argent de c\u00f4t\u00e9. Un budget vous permet d\u2019\u00e9pargner chaque mois en vue de vos achats futurs. De cette mani\u00e8re, vous vous sentirez mieux outill\u00e9 en d\u00e9pensant l\u2019argent que vous poss\u00e9dez plut\u00f4t que d\u2019accumuler de nouvelles dettes.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Si vous constatez que vous d\u00e9pensez trop, sachez que vous n&rsquo;\u00eates pas le seul dans cette situation. Maintenant que vous \u00eates plus conscient de ce qui vous pousse \u00e0 d\u00e9penser, vous pouvez trouver des moyens amusants de consommer plus intelligemment.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p>Si vous cherchez une fa\u00e7on de commencer \u00e0 \u00e9conomiser facilement en vue de vos d\u00e9penses, essayez le service&nbsp;<a href=\"https:\/\/www.rbcroyalbank.com\/fr\/comptes\/nomi-find-and-save.html\" target=\"_blank\" rel=\"noreferrer noopener\">Trouv\u00c9pargne NOMI<\/a>.<\/p>\n<\/div>\n<\/div>\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\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=Briser le cycle des d\u00e9penses excessives &#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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/briser-le-cycle-des-depenses-excessives\/\">\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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/briser-le-cycle-des-depenses-excessives\/\">\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-1cad64b6-3dcd-4821-84e3-7bf98cda7891\" 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\/gestion-de-largent\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Gestion de l&#039;argent<\/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=\"1000\" height=\"1000\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?resize=150,150 150w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?resize=300,300 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/GettyImages-2231674294-1.jpg?resize=768,768 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/\">\n\t\t\t\t\t\tComprendre les taux d\u2019int\u00e9r\u00eat\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\/academie-financiere\/economie-101\/comprendre-les-taux-dinteret\/annonce-de-taux-d-interet-de-la-banque-du-canada\/\" class=\"card-title h4 mar-t-0\">D\u00e9mystification du taux d&rsquo;int\u00e9r\u00eat de la Banque du Canada et son incidence sur votre pr\u00eat hypoth\u00e9caire<\/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=\"1024\" height=\"720\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Cash-Flow-Article-Image.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Les propri\u00e9taires de petites entreprises qui examinent des documents financiers\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/Cash-Flow-Article-Image.jpg 6282w, 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/gestion-des-flux-de-tresorerie-et-donnees-financieres\/\">\n\t\t\t\t\t\tGestion des flux de tr\u00e9sorerie et donn\u00e9es financi\u00e8res\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\/entreprises\/gestion-de-lentreprise\/gestion-des-flux-de-tresorerie-et-donnees-financieres\/accroitre-la-resilience-financiere-par-une-gestion-des-flux-de-tresorerie-intelligente\/\" class=\"card-title h4 mar-t-0\">Accro\u00eetre la r\u00e9silience financi\u00e8re par une gestion des flux de tr\u00e9sorerie intelligente<\/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 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href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/entreprises\/gestion-de-lentreprise\/gestion-des-flux-de-tresorerie-et-donnees-financieres\/dinsolvabilite-dentreprise-pieges-eviter-pour-proteger\/\" class=\"card-title h4 mar-t-0\">Les cas d\u2019insolvabilit\u00e9 d\u2019entreprises demeurent \u00e9lev\u00e9s au Canada : 6 pi\u00e8ges \u00e0 \u00e9viter pour prot\u00e9ger votre entreprise et renforcer votre r\u00e9silience financi\u00e8re<\/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-1cad64b6-3dcd-4821-84e3-7bf98cda7891 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-1cad64b6-3dcd-4821-84e3-7bf98cda7891 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Pour prendre le contr\u00f4le 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