{"id":29096,"date":"2024-03-08T19:17:40","date_gmt":"2024-03-08T19:17:40","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=29096"},"modified":"2025-05-27T14:49:24","modified_gmt":"2025-05-27T14:49:24","slug":"15-facons-de-reduire-les-depenses-domestiques","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\/15-facons-de-reduire-les-depenses-domestiques\/","title":{"rendered":"15\u00a0fa\u00e7ons de r\u00e9duire les d\u00e9penses domestiques"},"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\">15\u00a0fa\u00e7ons de r\u00e9duire les d\u00e9penses domestiques<\/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=\"412\" height=\"274\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Picture1.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une main tenant des ciseaux qui coupent un fil de t\u00e9l\u00e9phone\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Picture1.jpg 412w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Picture1.jpg?resize=300,200 300w\" sizes=\"auto, (max-width: 412px) 100vw, 412px\" \/>\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=15\u00a0fa\u00e7ons de r\u00e9duire les d\u00e9penses domestiques &#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\/15-facons-de-reduire-les-depenses-domestiques\/\">\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\/15-facons-de-reduire-les-depenses-domestiques\/\">\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 8 mars 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>Du 1<sup>er<\/sup>\u00a0au 30\u00a0novembre, \u00e0 l\u2019\u00e9chelle nationale, c\u2019est le <a href=\"https:\/\/www.canada.ca\/fr\/agence-consommation-matiere-financiere.html\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-29096-325a2ce1\" data-dig-label=\"Mois de la litt\u00e9ratie financi\u00e8re\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Mois de la litt\u00e9ratie financi\u00e8re<\/a>. \u00c0 cette occasion, des s\u00e9minaires sont offerts, notamment (ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) <a href=\"http:\/\/itools-ioutils.fcac-acfc.gc.ca\/RDCV-BRVC\/deta-deta-eng.aspx?id=4e07fb53-a7d6-4adc-96ab-efbda1a3a622\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-29096-f7c46587\" data-dig-label=\"Budgeting Made Easy\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Budgeting Made Easy<\/a>, qui a eu lieu le 17\u00a0novembre, \u00e0 Toronto (Ontario), et (ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) <a href=\"http:\/\/itools-ioutils.fcac-acfc.gc.ca\/RDCV-BRVC\/deta-deta-eng.aspx?id=fc133ae4-c092-4130-b861-56bb9ec2172d\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-29096-2c96281a\" data-dig-label=\"Food &amp; Finance\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">Food &amp; Finance<\/a>, le 15\u00a0novembre, \u00e0 Burnaby (Colombie-Britannique).<\/p>\n\n\n\n<p>Vous trouverez dans la <a href=\"http:\/\/itools-ioutils.fcac-acfc.gc.ca\/RDCV-BRVC\/sear-rech-eng.aspx?f0=1&amp;f1=VT0%2cFD2016-11-01%2cTD2016-11-30%2cPR1%2cCI\" target=\"_blank\" data-dig-id=\"LP-29096-61d05ec6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"base de donn\u00e9es canadienne sur la litt\u00e9ratie financi\u00e8re\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">base de donn\u00e9es canadienne sur la litt\u00e9ratie financi\u00e8re<\/a> une soixantaine de s\u00e9minaires s\u2019adressant \u00e0 des publics vari\u00e9s, des parents aux enfants, en passant par les personnes handicap\u00e9es. Consultez-la pour conna\u00eetre ceux propos\u00e9s dans votre r\u00e9gion.<\/p>\n\n\n\n<p>Les Canadiens ont-ils vraiment besoin d\u2019autant d\u2019aide en ce qui a trait \u00e0 l\u2019argent\u00a0? Malheureusement, oui. Selon TransUnion, la dette moyenne des Canadiens, hors pr\u00eat hypoth\u00e9caire, est de <a href=\"https:\/\/www.globenewswire.com\/fr\/news-release\/2015\/11\/18\/963065\/0\/en\/TransUnion-Canadian-Consumers-Continue-Stable-Performance-on-Credit-Products.html\" target=\"_blank\" data-dig-id=\"LP-29096-d27f5a8d\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"21\u00a0379\u00a0$\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">21\u00a0379\u00a0$<\/a>.<\/p>\n\n\n\n<p>Ce montant semble accablant, mais il ne devrait pas l\u2019\u00eatre. Si vous \u00eates endett\u00e9 ou si vous avez de la difficult\u00e9 \u00e0 \u00e9pargner, commencez par faire de petits pas. La meilleure fa\u00e7on de commencer, c\u2019est \u00e0 la maison, en r\u00e9duisant les d\u00e9penses courantes.<\/p>\n\n\n\n<p>Stacy Yanchuk Oleksy, directrice de l\u2019\u00e9ducation et de la sensibilisation communautaire \u00e0 la Credit Counselling Society, participe au s\u00e9minaire (ce lien m\u00e8ne \u00e0 un site web dont le contenu est en anglais seulement) <a href=\"http:\/\/itools-ioutils.fcac-acfc.gc.ca\/RDCV-BRVC\/deta-deta-eng.aspx?id=e0c46eeb-7db9-4b99-97be-ea8b3d998074\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-29096-c22e4009\" data-dig-label=\"75 Ways to Save on Household Expenses\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">75 Ways to Save on Household Expenses<\/a> qui s\u2019est tenu le 8\u00a0novembre \u00e0 Port Coquitlam (Colombie-Britannique). Elle nous donne un aper\u00e7u de l\u2019information qu\u2019il renferme\u00a0:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-services-publics\">Services publics<\/h2>\n\n\n\n<p>1. Programmez votre thermostat de mani\u00e8re \u00e0 r\u00e9duire la temp\u00e9rature pendant le jour. Vous pouvez le faire \u00e0 partir de votre t\u00e9l\u00e9phone \u00e0 l\u2019aide d\u2019applis comme Nest.<\/p>\n\n\n\n<p>2. Veillez \u00e0 ce que vos fen\u00eatres et vos portes soient ferm\u00e9es herm\u00e9tiquement afin d\u2019\u00e9viter que la chaleur s\u2019\u00e9chappe et que l\u2019air froid entre.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-communication\">Communication<\/h2>\n\n\n\n<p>3. Si vous avez un t\u00e9l\u00e9phone cellulaire, fermez votre compte de t\u00e9l\u00e9phonie filaire.<\/p>\n\n\n\n<p>4. Dans la mesure du possible, utilisez le Wi-Fi plut\u00f4t que les donn\u00e9es mobiles.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alimentation\">Alimentation<\/h2>\n\n\n\n<p>5. Planifiez les repas de la semaine. Commencez par v\u00e9rifier ce que vous avez d\u00e9j\u00e0 au cong\u00e9lateur, au r\u00e9frig\u00e9rateur et au garde-manger, puis r\u00e9digez une liste d\u2019\u00e9picerie et n\u2019en d\u00e9rogez pas.<\/p>\n\n\n\n<p>6. Cuisinez de gros repas pour le souper et gardez les restants pour le d\u00eener.<\/p>\n\n\n\n<p>7. Utilisez les applis des \u00e9piceries pour \u00e9conomiser gr\u00e2ce aux coupons, aux promotions et aux offres de jumelage de prix.<\/p>\n\n\n\n<p>8. Pr\u00e9parez votre caf\u00e9 \u00e0 la maison. Cela pourrait vous permettre d\u2019\u00e9conomiser jusqu\u2019\u00e0 5&nbsp;$ par jour.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-divertissement\">Divertissement<\/h2>\n\n\n\n<p>9. Pour la t\u00e9l\u00e9vision, faites un choix entre un abonnement au c\u00e2ble ou \u00e0 un service de diffusion en continu.<\/p>\n\n\n\n<p>10. Au lieu d\u2019aller au restaurant, organisez des repas-partage avec vos amis.<\/p>\n\n\n\n<p>11. Empruntez des livres, des films et des jeux vid\u00e9o \u00e0 la biblioth\u00e8que. La plupart des biblioth\u00e8ques offrent aussi des livres \u00e9lectroniques auxquels vous pouvez acc\u00e9der directement de chez vous.<\/p>\n\n\n\n<p>12. Participez \u00e0 des activit\u00e9s gratuites dans les parcs, les mus\u00e9es et les galeries d\u2019art de votre r\u00e9gion. V\u00e9rifiez s\u2019il y a des rabais pour les \u00e9tudiants ou des p\u00e9riodes de gratuit\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-depenses-personnelles\">D\u00e9penses personnelles<\/h2>\n\n\n\n<p>13. Achetez des v\u00eatements de seconde main.<\/p>\n\n\n\n<p>14. Annulez votre abonnement au centre de conditionnement physique si vous n\u2019y allez pas chaque semaine.<\/p>\n\n\n\n<p>15. Mettez en place un syst\u00e8me d\u2019\u00e9change de cadeaux ou de services (garde d\u2019enfants, p\u00e2tisserie, etc.).<\/p>\n\n\n\n<p>Conseil boni&nbsp;: Pour la f\u00eate d\u2019anniversaire d\u2019un enfant, demandez aux invit\u00e9s d\u2019apporter deux pi\u00e8ces de deux dollars au lieu d\u2019un cadeau. La premi\u00e8re servira \u00e0 acheter un pr\u00e9sent pour l\u2019enfant et la seconde servira \u00e0 faire un don \u00e0 une \u0153uvre de bienfaisance de son choix.<\/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-9273ac91-9955-4b48-b711-f68049f6a871\" 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=15\u00a0fa\u00e7ons de r\u00e9duire les d\u00e9penses domestiques &#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\/15-facons-de-reduire-les-depenses-domestiques\/\">\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\/15-facons-de-reduire-les-depenses-domestiques\/\">\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 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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, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_2044837280.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\/evenements-imprevus\/fonds-durgence\/\">\n\t\t\t\t\t\tFonds d\u2019urgence\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\/fonds-durgence\/guide-sur-les-fonds-durgence\/\" class=\"card-title h4 mar-t-0\">Votre guide complet sur les fonds d\u2019urgence<\/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=\"673\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Liste de contr\u00f4le des formulaires num\u00e9riques\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg 6736w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=300,197 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=768,505 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1024,673 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=1536,1009 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/01\/2025-financial-roadmap-shutterstock_2375988879.jpg?resize=2048,1345 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\/plan-financier-2026-adaptation-de-votre-budget-de-votre-emprunt-et-de-vos-placements-a-vos-objectifs\/\" class=\"card-title h4 mar-t-0\">Plan financier 2026\u00a0: guide de l\u2019endettement, de l\u2019\u00e9tablissement d\u2019un budget et des placements au Canada<\/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-9273ac91-9955-4b48-b711-f68049f6a871 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-9273ac91-9955-4b48-b711-f68049f6a871 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-2d5aec6c-a7f0-4241-8e48-48d7f4728979 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-2d5aec6c-a7f0-4241-8e48-48d7f4728979 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Le mois de novembre n\u2019a pas \u00e0 \u00eatre cette \u00e9tape morose qui pr\u00e9c\u00e8de les f\u00eates de fin d\u2019ann\u00e9e. Il peut s\u2019agir d\u2019une p\u00e9riode de changement positif pour les Canadiens prenant au s\u00e9rieux l\u2019endettement et la gestion de l\u2019argent.<\/p>\n","protected":false},"author":80,"featured_media":29101,"parent":6556,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[124,141],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[276],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,45,92],"class_list":["post-29096","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-epargne","tag-paiements","rbc_content_type-article","rbc_lob_group-modes-dacces","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-etablissement-du-budget"],"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":"Generate Table Of Contents"},"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=\"Le mois de novembre n\u2019a pas \u00e0 \u00eatre cette \u00e9tape morose qui pr\u00e9c\u00e8de les f\u00eates de fin d\u2019ann\u00e9e. Il peut s\u2019agir d\u2019une p\u00e9riode de changement positif pour les Canadiens prenant au s\u00e9rieux l\u2019endettement et la gestion de l\u2019argent.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/15-facons-de-reduire-les-depenses-domestiques\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:description\" content=\"Le mois de novembre n\u2019a pas \u00e0 \u00eatre cette \u00e9tape morose qui pr\u00e9c\u00e8de les f\u00eates de fin d\u2019ann\u00e9e. 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