{"id":26284,"date":"2023-12-29T21:00:34","date_gmt":"2023-12-29T21:00:34","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=26284"},"modified":"2024-02-28T17:32:55","modified_gmt":"2024-02-28T17:32:55","slug":"5-conseils-pour-gerer-vos-depenses-en-periode-de-difficultes-financieres","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\/5-conseils-pour-gerer-vos-depenses-en-periode-de-difficultes-financieres\/","title":{"rendered":"5\u00a0conseils pour g\u00e9rer vos d\u00e9penses en p\u00e9riode de difficult\u00e9s financi\u00e8res"},"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\/epargne\/\">\n\t\t\t\t\t\t\t<span>\u00c9pargne<\/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\">5\u00a0conseils pour g\u00e9rer vos d\u00e9penses en p\u00e9riode de difficult\u00e9s financi\u00e8res<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Rebecca Lake<\/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=\"870\" height=\"490\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/12\/collection-agent.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Vue de dos d\u2019une femme assise \u00e0 un bureau en train d\u2019examiner des d\u00e9penses\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/12\/collection-agent.jpg 870w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/12\/collection-agent.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/12\/collection-agent.jpg?resize=768,433 768w\" sizes=\"auto, (max-width: 870px) 100vw, 870px\" \/>\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=5\u00a0conseils pour g\u00e9rer vos d\u00e9penses en p\u00e9riode de difficult\u00e9s financi\u00e8res &#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\/5-conseils-pour-gerer-vos-depenses-en-periode-de-difficultes-financieres\/\">\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\/5-conseils-pour-gerer-vos-depenses-en-periode-de-difficultes-financieres\/\">\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 29 d\u00e9cembre 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>On peut facilement se sentir stress\u00e9 et anxieux lorsqu\u2019on est confront\u00e9 \u00e0 des difficult\u00e9s financi\u00e8res, particuli\u00e8rement si celles-ci surviennent de fa\u00e7on inattendue. Par exemple, une personne qui perd son emploi ou qui est dans l\u2019impossibilit\u00e9 de travailler en raison d\u2019une maladie ou d\u2019une blessure pourra se demander si elle sera en mesure de payer ses d\u00e9penses mensuelles ou de faire son \u00e9picerie.<\/p>\n\n\n\n<p>Le fait d\u2019avoir un fonds d\u2019urgence peut r\u00e9duire le stress associ\u00e9 aux difficult\u00e9s financi\u00e8res. Toutefois, <a href=\"https:\/\/www.canada.ca\/en\/financial-consumer-agency\/programs\/research\/canadian-financial-capability-survey-2019.html#toc4\" data-dig-id=\"LP-26284-bb088f71\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"environ un tiers des Canadiens n\u2019en ont pas\" class=\"rbc-link-format\">environ un tiers des Canadiens n\u2019en ont pas<\/a>. Si vous \u00eates confront\u00e9 \u00e0 une urgence, une gestion attentive de vos d\u00e9penses pourra vous aider \u00e0 faire durer vos ressources financi\u00e8res jusqu\u2019\u00e0 ce que les choses reviennent \u00e0 la normale.<\/p>\n\n\n\n<p>Quand des difficult\u00e9s financi\u00e8res surgissent, la premi\u00e8re chose \u00e0 faire pour pouvoir les surmonter est de prendre une grande respiration. M\u00eame si on a l\u2019impression d\u2019\u00eatre compl\u00e8tement d\u00e9pass\u00e9 par la situation, il est important de se rappeler qu\u2019on a encore le pouvoir d\u2019agir sur certaines choses.<\/p>\n\n\n\n<p>Une fois dans cet \u00e9tat d\u2019esprit, on est pr\u00eat \u00e0 passer aux \u00e9tapes suivantes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape&nbsp;1&nbsp;\u2013 Donnez la priorit\u00e9 aux d\u00e9penses essentielles<\/h2>\n\n\n\n<p>Le budget est l\u2019outil de gestion financi\u00e8re le plus fondamental qui soit. Votre budget est un plan qui vous guide chaque mois dans vos d\u00e9penses. Durant une p\u00e9riode de difficult\u00e9s financi\u00e8res, votre fa\u00e7on de g\u00e9rer vos d\u00e9penses doit \u00e9tablir une distinction entre les d\u00e9penses qui sont essentielles et celles qui ne le sont pas.<\/p>\n\n\n\n<p>Les d\u00e9penses essentielles concernent tout ce qui est n\u00e9cessaire au maintien de conditions de vie de base. Exemples&nbsp;: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Loyer ou versements hypoth\u00e9caires<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Factures de services publics<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>\u00c9picerie et repas pris \u00e0 la maison<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Essence et d\u00e9placements<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Assurances<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Frais de sant\u00e9<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Frais de garde d\u2019enfants, s\u2019il y a lieu<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Si vous rajustez votre budget \u00e0 la baisse en raison d\u2019une diminution de vos revenus, vous devez vous assurer de payer d\u2019abord les d\u00e9penses essentielles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape&nbsp;2&nbsp;\u2013 R\u00e9duisez vos d\u00e9penses discr\u00e9tionnaires<\/h2>\n\n\n\n<p>On appelle d\u00e9pense discr\u00e9tionnaire toute somme d\u00e9pens\u00e9e pour autre chose que pour r\u00e9pondre \u00e0 un besoin essentiel. Exemples&nbsp;: <\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Nouveaux v\u00eatements<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Abonnements \u00e0 des centres de conditionnement physique<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Services de diffusion en continu<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Repas pris \u00e0 l\u2019ext\u00e9rieur<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Voyages<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Si vous cherchez \u00e0 \u00e9tablir un budget aussi restreint que possible en raison de difficult\u00e9s financi\u00e8res, vous devrez peut-\u00eatre r\u00e9duire consid\u00e9rablement les d\u00e9penses de cette cat\u00e9gorie. Chaque d\u00e9pense que vous r\u00e9duirez ou \u00e9liminerez compl\u00e8tement vous permettra d\u2019accro\u00eetre votre marge de man\u0153uvre budg\u00e9taire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape&nbsp;3&nbsp;\u2013 Explorez les possibilit\u00e9s d\u2019obtenir un soutien financier<\/h2>\n\n\n\n<p>Si, une fois votre budget r\u00e9vis\u00e9 \u00e0 la baisse, vous continuez d\u2019\u00e9prouver des difficult\u00e9s, il pourrait \u00eatre bon d\u2019explorer les types de soutien financier auxquels vous pourriez \u00eatre admissible. Par exemple, si vous avez perdu votre emploi ou \u00eates dans l\u2019impossibilit\u00e9 de travailler en raison d\u2019une maladie ou d\u2019une blessure, vous pourriez \u00eatre admissible \u00e0 des <a href=\"https:\/\/www.canada.ca\/fr\/services\/prestations\/ae.html\" target=\"_blank\" data-dig-id=\"LP-26284-67d49644\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"prestations d\u2019assurance-emploi\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">prestations d\u2019assurance-emploi<\/a>. Par ailleurs, si vous vous trouvez en situation d\u2019ins\u00e9curit\u00e9 alimentaire en raison de vos difficult\u00e9s financi\u00e8res, vous pouvez obtenir de l\u2019aide de banques alimentaires.<\/p>\n\n\n\n<p>Si vous avez des dettes, il serait bon de communiquer avec vos cr\u00e9anciers afin de savoir s\u2019ils peuvent vous offrir un soutien, et si oui, de quel type. Par exemple, la soci\u00e9t\u00e9 de cartes de cr\u00e9dit avec laquelle vous traitez offre peut-\u00eatre un programme d\u2019aide en cas de difficult\u00e9s financi\u00e8res qui vous permettrait temporairement de reporter vos paiements ou de b\u00e9n\u00e9ficier d\u2019un taux d\u2019int\u00e9r\u00eat moins \u00e9lev\u00e9, le temps que votre situation financi\u00e8re revienne \u00e0 la normale. Ou encore, vous seriez peut-\u00eatre admissible \u00e0 un <a href=\"https:\/\/apps.royalbank.com\/apps\/personalloans\/debt-consolidation-calculator\/#!\/\" data-dig-id=\"LP-26284-89a5b88f\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"pr\u00eat de consolidation de dette\" class=\"rbc-link-format\">pr\u00eat de consolidation de dette<\/a> pouvant r\u00e9duire le co\u00fbt de vos dettes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape&nbsp;4&nbsp;\u2013 R\u00e9fl\u00e9chissez aux possibilit\u00e9s de g\u00e9n\u00e9rer des revenus<\/h2>\n\n\n\n<p>Si des difficult\u00e9s viennent amputer votre revenu, vous devrez peut-\u00eatre faire preuve de cr\u00e9ativit\u00e9 afin de trouver des fa\u00e7ons de gagner plus d\u2019argent. Cela pourrait vouloir dire prendre un emploi \u00e0 temps partiel, si la chose est possible, ou trouver un ou plusieurs boulots d\u2019appoint.<\/p>\n\n\n\n<p>Vous pourriez aussi envisager de vendre des choses dont vous n\u2019avez plus besoin. Rappelez-vous cependant que tout profit r\u00e9sultant de la vente de placements peut avoir des cons\u00e9quences financi\u00e8res plus tard si vous devez payer de l\u2019imp\u00f4t sur les gains en capital.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9tape&nbsp;5&nbsp;\u2013 Si possible, \u00e9vitez de vous endetter davantage<\/h2>\n\n\n\n<p>Durant une p\u00e9riode de difficult\u00e9s financi\u00e8res, il est tentant de s\u2019appuyer sur des cartes de cr\u00e9dit ou des pr\u00eats personnels si l\u2019on a du mal \u00e0 g\u00e9rer ses d\u00e9penses. Cependant, toute nouvelle dette risque d\u2019alourdir le fardeau qu\u2019on devra rembourser une fois nos difficult\u00e9s financi\u00e8res r\u00e9gl\u00e9es, un fardeau qui sera d\u2019autant plus lourd si le taux d\u2019int\u00e9r\u00eat est \u00e9lev\u00e9.<\/p>\n\n\n\n<p>En p\u00e9riode de difficult\u00e9s financi\u00e8res, une bonne fa\u00e7on de diminuer le risque de devoir utiliser une carte de cr\u00e9dit pour payer des d\u00e9penses consiste \u00e0 faire un budget et \u00e0 le respecter.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">L\u2019utilisation d\u2019un outil comme <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/modes-dacces\/tutoriels\/nomi\/budgets-nomi.html\" target=\"_blank\" data-dig-id=\"LP-26284-2ab569cf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Budgets NOMI\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Budgets NOMI<\/a> peut simplifier la gestion de notre budget, et ainsi nous permettre de nous concentrer sur autre chose \u2013 comme la recherche d\u2019un nouvel emploi ou le retour \u00e0 la sant\u00e9&nbsp;\u2013, le temps que notre situation financi\u00e8re se r\u00e9tablisse.<\/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\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=5\u00a0conseils pour g\u00e9rer vos d\u00e9penses en p\u00e9riode de difficult\u00e9s financi\u00e8res &#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\/5-conseils-pour-gerer-vos-depenses-en-periode-de-difficultes-financieres\/\">\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\/5-conseils-pour-gerer-vos-depenses-en-periode-de-difficultes-financieres\/\">\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-0f16db6a-fc87-41cc-9626-ea6e9d1cbc8e\" 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\/epargne\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">\u00c9pargne<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/finances-personnelles\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Finances personnelles<\/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-0f16db6a-fc87-41cc-9626-ea6e9d1cbc8e {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-0f16db6a-fc87-41cc-9626-ea6e9d1cbc8e {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Maladie, blessure ou perte d\u2019emploi entra\u00eenant des difficult\u00e9s financi\u00e8res ? Une saine gestion des d\u00e9penses favorise le retour \u00e0 la normale.<\/p>\n","protected":false},"author":80,"featured_media":26285,"parent":6517,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[124,130],"rbc_content_type":[121],"rbc_audience":[144],"rbc_lob_group":[122],"rbc_difficulty_level":[123],"rbc_mmm_category":[34,29,57,54],"class_list":["post-26284","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-epargne","tag-finances-personnelles","rbc_content_type-article","rbc_audience-nouveaux-arrivants","rbc_lob_group-entreprises","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","rbc_mmm_category-gestion-et-consolidation-des-dettes"],"acf":{"contently_publication_id":"","custom_author":"Rebecca Lake","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 v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<meta name=\"description\" content=\"Maladie, blessure ou perte d\u2019emploi entra\u00eenant des difficult\u00e9s financi\u00e8res ? 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