{"id":26521,"date":"2024-01-11T21:02:54","date_gmt":"2024-01-11T21:02:54","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=26521"},"modified":"2024-03-13T15:16:35","modified_gmt":"2024-03-13T15:16:35","slug":"evitez-des-erreurs-courantes-en-matiere-de-gestion-des-depenses","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\/evitez-des-erreurs-courantes-en-matiere-de-gestion-des-depenses\/","title":{"rendered":"\u00c9vitez des erreurs courantes en mati\u00e8re de gestion des d\u00e9penses"},"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\">\u00c9vitez des erreurs courantes en mati\u00e8re de gestion des d\u00e9penses<\/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=\"983\" height=\"653\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Capture-4.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Femme g\u00e9rant ses factures \u00e0 l\u2019aide d\u2019un ordinateur portatif et d\u2019une calculatrice\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Capture-4.jpg 983w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Capture-4.jpg?resize=300,199 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/01\/Capture-4.jpg?resize=768,510 768w\" sizes=\"auto, (max-width: 983px) 100vw, 983px\" \/>\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=\u00c9vitez des erreurs courantes en mati\u00e8re de gestion des d\u00e9penses &#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\/evitez-des-erreurs-courantes-en-matiere-de-gestion-des-depenses\/\">\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\/evitez-des-erreurs-courantes-en-matiere-de-gestion-des-depenses\/\">\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 11 janvier 2024 \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>Les dettes \u2014&nbsp;cartes de cr\u00e9dit, pr\u00eats d\u2019\u00e9tudes, factures de soins de sant\u00e9 ou autres&nbsp;\u2014 repr\u00e9sentent un \u00e9cueil pour de nombreux Canadiens et Canadiennes, car elles contrarient leurs objectifs financiers les plus importants.<\/p>\n\n\n\n<p>La gestion des dettes commence par comprendre les habitudes financi\u00e8res qui sont susceptibles de vous endetter. Examiner de pr\u00e8s la fa\u00e7on dont vous g\u00e9rez vos d\u00e9penses est un bon point de d\u00e9part.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cinq erreurs \u00e0 \u00e9viter en mati\u00e8re de gestion des d\u00e9penses<\/h2>\n\n\n\n<p>La gestion des d\u00e9penses n\u2019est pas si compliqu\u00e9e, mais m\u00eame les choses les plus insignifiantes peuvent vous pi\u00e9ger et entretenir votre endettement.<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>N\u00e9gliger le suivi de ses d\u00e9penses<\/strong>.&nbsp;Il est facile de finir avec des dettes importantes lorsque l\u2019on ne suit pas ses d\u00e9penses, en particulier si l\u2019on a recours \u00e0 la carte de cr\u00e9dit. Comment peut-on bien ma\u00eetriser sa tr\u00e9sorerie lorsqu\u2019on ne sait pas o\u00f9 passe son argent chaque mois&nbsp;?<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Ne pas \u00e9tablir de budget<\/strong>.&nbsp;Un budget est un plan individuel d\u2019affectation mensuelle de son argent. D\u2019un c\u00f4t\u00e9 se trouvent les entr\u00e9es d\u2019argent, et de l\u2019autre les sorties d\u2019argent. Sans budget, vous courez le risque de d\u00e9penser plus que vos moyens ne vous le permettent. Si vous \u00eates \u00e0 court d\u2019argent avant la fin du mois, vous devrez peut-\u00eatre utiliser une carte de cr\u00e9dit pour couvrir vos d\u00e9penses jusqu\u2019\u00e0 la prochaine paie.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>D\u00e9penser exag\u00e9r\u00e9ment pour le superflu<\/strong>.&nbsp;Les d\u00e9penses superflues, ou non essentielles, repr\u00e9sentent tout ce qui n\u2019est pas n\u00e9cessaire pour entretenir des conditions de vie \u00e9l\u00e9mentaires. Si une grande partie de votre budget passe dans des choses comme des soupers en ville, des divertissements ou des passe-temps co\u00fbteux, vous pourriez avoir tendance \u00e0 financer ces achats au moyen de la carte de cr\u00e9dit.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>C\u00e9der \u00e0 des achats d\u2019impulsion<\/strong>.&nbsp;Les achats d\u2019impulsion, m\u00eame modestes, peuvent rapidement s\u2019additionner et entamer votre budget. L\u2019incidence de ce type d\u2019achats peut \u00eatre encore plus importante si vous avez recours \u00e0 la carte de cr\u00e9dit pour les r\u00e9gler.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Laisser cro\u00eetre ses soldes de cartes de cr\u00e9dit<\/strong>.&nbsp;Tra\u00eener un solde de carte de cr\u00e9dit de mois en mois peut \u00eatre tr\u00e8s co\u00fbteux si on est coinc\u00e9 avec un taux annuel du co\u00fbt d\u2019emprunt (TAC) \u00e9lev\u00e9. Se contenter de faire ses paiements minimums tout en continuant \u00e0 utiliser sa carte de cr\u00e9dit est un bon moyen de voir son solde augmenter, plut\u00f4t que diminuer, au fil du temps.<\/p>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Quelques conseils pour g\u00e9rer vos dettes<\/h2>\n\n\n\n<p>Si vous avez des dettes et souhaitez vous en d\u00e9barrasser, il existe des solutions. La fa\u00e7on de g\u00e9rer vos dettes (et de les rembourser) peut d\u00e9pendre du montant que vous devez et des types de dettes en cause.<\/p>\n\n\n\n<p>Les strat\u00e9gies de r\u00e9duction de l\u2019endettement ci-dessous sont parmi les plus courantes&nbsp;:<\/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>Transfert de solde<\/strong>.&nbsp;Si vos dettes consistent essentiellement en un solde de carte de cr\u00e9dit, un transfert de solde pourrait vous aider \u00e0 \u00e9pargner des int\u00e9r\u00eats pendant votre remboursement. Transf\u00e9rer un solde de carte de cr\u00e9dit permet de d\u00e9placer le solde d\u2019une carte de cr\u00e9dit vers une autre pour b\u00e9n\u00e9ficier d\u2019un TAC incitatif faible pendant une p\u00e9riode d\u00e9finie.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Refinancement<\/strong>.&nbsp;Un refinancement permet de remplacer vos dettes existantes par un nouveau pr\u00eat, id\u00e9alement \u00e0 un taux d\u2019int\u00e9r\u00eat inf\u00e9rieur. Vous pourriez ainsi refinancer, par exemple, des pr\u00eats d\u2019\u00e9tudes priv\u00e9s ou un emprunt hypoth\u00e9caire \u00e0 des conditions plus favorables.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Consolidation de dettes<\/strong>.&nbsp;La consolidation s\u2019apparente \u00e0 un refinancement, en ce sens que vous souscrivez un nouveau pr\u00eat pour rembourser vos cartes de cr\u00e9dit, des factures de soins de sant\u00e9 ou d\u2019autres dettes non garanties. Cette strat\u00e9gie permet de rationaliser vos paiements mensuels et d\u2019\u00e9pargner potentiellement de l\u2019argent sur les int\u00e9r\u00eats, si le TAC de votre nouveau pr\u00eat est inf\u00e9rieur au taux moyen des dettes que vous remboursiez jusque-l\u00e0.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Renseignez-vous. Cela pourrait vous aider \u00e0 \u00e9valuer la strat\u00e9gie de r\u00e9duction des dettes qui vous convient le mieux.<\/p>\n\n\n\n<p class=\"has-light-grey-background-color has-background\">Vous aimeriez savoir comment acc\u00e9l\u00e9rer le remboursement de votre dette&nbsp;? N\u2019h\u00e9sitez pas \u00e0 utiliser notre <a href=\"https:\/\/apps.royalbank.com\/apps\/personalloans\/debt-consolidation-calculator\/\" data-dig-id=\"LP-26521-524345df\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Calculatrice de consolidation de dette\" class=\"rbc-link-format\">Calculatrice de consolidation de dette<\/a> pour estimer vos \u00e9conomies potentielles.<\/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=\u00c9vitez des erreurs courantes en mati\u00e8re de gestion des d\u00e9penses &#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\/evitez-des-erreurs-courantes-en-matiere-de-gestion-des-depenses\/\">\n        <img decoding=\"async\" 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\t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-463bc989-7b03-4606-9868-63b8b579d061\" 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=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Main arr\u00eatant des dominos qui tombent \u00e0 c\u00f4t\u00e9 d&#039;une tirelire, symbolisant la protection financi\u00e8re et la stabilit\u00e9 de l&#039;\u00e9pargne\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg 2309w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=1024,576 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=1536,864 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/04\/iStock-1488068802_7ec61f.jpg?resize=2048,1152 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\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/\">\n\t\t\t\t\t\t\u00c9tablissement du budget\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\/connaissances-financieres-de-base\/etablissement-du-budget\/comment-etablir-un-budget-qui-vous-aide-reellement-a-epargner\/\" class=\"card-title h4 mar-t-0\">Comment \u00e9tablir un budget qui vous aide r\u00e9ellement \u00e0 \u00e9pargner<\/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=\"683\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Main tenant un parapluie noir au-dessus d&#039;une tirelire blanche symbolisant la protection financi\u00e8re\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.jpg 6720w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.jpg?resize=1024,683 1024w, 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class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-463bc989-7b03-4606-9868-63b8b579d061 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-463bc989-7b03-4606-9868-63b8b579d061 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Gestion des d\u00e9penses personnelles : quelques erreurs courantes faciles \u00e0 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