{"id":29214,"date":"2024-03-11T21:08:46","date_gmt":"2024-03-11T21:08:46","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/?post_type=rbc_my_money_matter&#038;p=29214"},"modified":"2024-03-11T21:08:48","modified_gmt":"2024-03-11T21:08:48","slug":"10-facons-de-reduire-ses-dettes-sans-mettre-sa-vie-sur-pause","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/comprendre-les-prets\/10-facons-de-reduire-ses-dettes-sans-mettre-sa-vie-sur-pause\/","title":{"rendered":"10 fa\u00e7ons de r\u00e9duire ses dettes (sans mettre sa vie sur pause)"},"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\/paiements\/\">\n\t\t\t\t\t\t\t<span>Paiements<\/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\">10 fa\u00e7ons de r\u00e9duire ses dettes (sans mettre sa vie sur pause)<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By RBC<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"972\" height=\"648\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_6bf948.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Le mot \u00ab Dette \u00bb en rouge, que l\u2019on efface sur une feuille de papier\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_6bf948.jpg 972w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_6bf948.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2024\/03\/Capture_6bf948.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 972px) 100vw, 972px\" \/>\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=10 fa\u00e7ons de r\u00e9duire ses dettes (sans mettre sa vie sur pause) &#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\/credit-t-et-emprunt\/comprendre-les-prets\/10-facons-de-reduire-ses-dettes-sans-mettre-sa-vie-sur-pause\/\">\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\/credit-t-et-emprunt\/comprendre-les-prets\/10-facons-de-reduire-ses-dettes-sans-mettre-sa-vie-sur-pause\/\">\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 mars 2024 \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>L\u2019endettement des Canadiens a atteint un niveau record. Selon Statistique&nbsp;Canada, au printemps&nbsp;2016, la dette des m\u00e9nages contract\u00e9e sur le march\u00e9 du cr\u00e9dit \u00e9tait de 1,68&nbsp;$ pour chaque dollar de revenu disponible, ce qui a incit\u00e9 les d\u00e9cideurs politiques \u00e0 mettre les Canadiens en garde contre l\u2019endettement.<\/p>\n\n\n\n<p>Certaines dettes peuvent \u00eatre in\u00e9vitables, comme un pr\u00eat hypoth\u00e9caire ou un pr\u00eat d\u2019\u00e9tudes. C\u2019est aux autres dettes de consommation, comme les factures de cartes de cr\u00e9dit impay\u00e9es, qu\u2019il faut s\u2019attaquer.<\/p>\n\n\n\n<p>\u00ab\u00a0Il peut \u00eatre dangereux d\u2019utiliser sa carte de cr\u00e9dit pour acheter des biens de consommation ou des articles qui ne conservent pas leur valeur, pr\u00e9vient Consolidated Credit Counseling Services du Canada, bas\u00e9 \u00e0 Toronto, sur <a href=\"http:\/\/www.consolidatedcredit.ca\/debt-solutions\/manage-debt\/\" target=\"_blank\" data-dig-id=\"LP-29214-de62088b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"son site Web\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">son site Web<\/a>. Si vous ne remboursez pas votre solde chaque mois, vous devrez payer des int\u00e9r\u00eats qui augmenteront le montant de votre dette, alors que votre bien perdra de la valeur.\u00a0\u00bb<\/p>\n\n\n\n<p>Bien des gens pensent que d\u00e9penser moins signifie sacrifier les plaisirs de la vie. Mais il n\u2019est pas n\u00e9cessaire qu\u2019il en soit ainsi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Voici 10 fa\u00e7ons d\u2019\u00e9conomiser de l\u2019argent tout en profitant de la vie&nbsp;:<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Faites un budget<\/h3>\n\n\n\n<p>Ennuyeux, n\u2019est-ce pas\u00a0? En fait, l\u2019\u00e9tablissement d\u2019un budget peut vous aider \u00e0 hi\u00e9rarchiser vos d\u00e9penses, notamment en mettant de l\u2019argent de c\u00f4t\u00e9 pour des activit\u00e9s amusantes et en \u00e9vitant de le d\u00e9penser pour des activit\u00e9s moins agr\u00e9ables\u00a0\u2014 peu importe ce que cela peut \u00eatre pour vous. Vous ne savez pas par o\u00f9 commencer\u00a0? Utilisez la <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/prets-personnels\/cash-flow-calculator.html\" target=\"_blank\" data-dig-id=\"LP-29214-8bf00ae6\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"calculatrice budg\u00e9taire de RBC\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">calculatrice budg\u00e9taire de RBC<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Faites la diff\u00e9rence entre vos besoins et vos envies<\/h3>\n\n\n\n<p>En avez-vous \u00ab&nbsp;besoin&nbsp;\u00bb ou \u00ab&nbsp;envie&nbsp;\u00bb&nbsp;? Savoir faire la diff\u00e9rence peut vous faire \u00e9conomiser des centaines de dollars. Cela peut \u00e9galement vous \u00e9viter des remords.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Payez comptant<\/h3>\n\n\n\n<p>Les cartes de cr\u00e9dit sont pratiques, mais payer en esp\u00e8ces peut parfois vous aider \u00e0 respecter votre budget. Si l\u2019argent papier n\u2019est pas votre truc, utilisez une carte de d\u00e9bit plut\u00f4t que des cartes de cr\u00e9dit pour d\u2019\u00e9viter de vous retrouver avec une affreuse facture \u00e0 la fin du mois.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Utilisez les coupons-rabais<\/h3>\n\n\n\n<p>\u00c9conomiser quelques dollars ou quelques cents sur les produits d\u2019\u00e9picerie et les articles m\u00e9nagers de tous les jours peut sembler superflu, mais les \u00e9conomies peuvent s\u2019accumuler. De plus, gr\u00e2ce \u00e0 Internet et \u00e0 la technologie mobile, l\u2019utilisation des coupons-rabais est plus facile que jamais.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Portez un chandail<\/h3>\n\n\n\n<p>Lorsque les temp\u00e9ratures chutent, mettez \u00e0 profit les v\u00eatements \u00e9l\u00e9gants que vous avez achet\u00e9s sp\u00e9cialement pour les journ\u00e9es froides. Au lieu d\u2019augmenter le chauffage, r\u00e9duisez votre facture d\u2019\u00e9lectricit\u00e9 en portant un chandail dans la maison.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">6. Ouvrez les fen\u00eatres<\/h3>\n\n\n\n<p>La m\u00eame r\u00e8gle d\u2019\u00e9conomie d\u2019\u00e9nergie s\u2019applique aux mois d\u2019\u00e9t\u00e9. Lorsque les temp\u00e9ratures augmentent, n\u2019allumez pas imm\u00e9diatement le climatiseur pour vous rafra\u00eechir. Ouvrez plut\u00f4t les fen\u00eatres pour faire circuler l\u2019air. Gardez la climatisation pour les moments o\u00f9 il fera vraiment chaud. Vous l\u2019appr\u00e9cierez davantage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">7. R\u00e9duisez votre repas<\/h3>\n\n\n\n<p>Il n\u2019est pas r\u00e9aliste de vous recommander de toujours manger \u00e0 la maison. Il est raisonnable de vouloir d\u00e9penser un peu d\u2019argent \u00e0 l\u2019occasion pour aller prendre un caf\u00e9 ou souper avec sa famille et ses amis. Mais il n\u2019est pas n\u00e9cessaire de commander ce qu\u2019il y a de plus cher sur le menu. R\u00e9duisez votre commande et gardez les \u00e9conomies r\u00e9alis\u00e9es pour une prochaine sortie avec vos proches.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">8. Payez-vous d\u2019abord<\/h3>\n\n\n\n<p>Lorsque vous recevez votre ch\u00e8que de paie, mettez-en automatiquement une partie de c\u00f4t\u00e9 dans un compte d\u2019\u00e9pargne. Si vous ne pouvez pas voir l\u2019argent, il est peu probable que vous le d\u00e9pensiez.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">9. Faites \u00e9quipe<\/h3>\n\n\n\n<p>Il y a de fortes chances qu\u2019un de vos amis ou un membre de votre famille cherche lui aussi \u00e0 \u00e9conomiser de l\u2019argent et r\u00e9duire ses dettes. Fixez-vous des objectifs et mettez-vous au d\u00e9fi l\u2019un l\u2019autre, comme vous le feriez pour atteindre un objectif sportif ou professionnel.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">10. C\u00e9l\u00e9brez<\/h3>\n\n\n\n<p>Prendre le contr\u00f4le de ses finances et r\u00e9duire ses dettes est en soi stimulant. C\u00e9l\u00e9brez le chemin parcouru. Certains experts sugg\u00e8rent de cr\u00e9er votre propre tableau, comme le font les collecteurs de fonds, pour indiquer et suivre vos progr\u00e8s.<\/p>\n\n\n\n<p>\u00ab\u00a0La bonne nouvelle, comme l\u2019explique la Credit Counselling Society sur <a href=\"http:\/\/www.nomoredebts.org\/debt-help\/getting-out-of-debt\/4-corner-stones-debt-reduction-strategies.html\" target=\"_blank\" data-dig-id=\"LP-29214-a26b4482\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"son site Web\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">son site Web<\/a>, c\u2019est qu\u2019il n\u2019y a pas de m\u00e9thode parfaite pour faire un budget ou sortir de l\u2019endettement. La perfection est une norme beaucoup trop \u00e9lev\u00e9e qui cause beaucoup de stress \u00e0 la plupart des gens. Il suffit de commencer et de faire de bons choix la plupart du temps.\u00a0\u00bb<\/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-c271240e-6034-4c49-a6cb-96e2f5e5b41c\" 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=10 fa\u00e7ons de r\u00e9duire ses dettes (sans mettre sa vie sur pause) &#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\/credit-t-et-emprunt\/comprendre-les-prets\/10-facons-de-reduire-ses-dettes-sans-mettre-sa-vie-sur-pause\/\">\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\/credit-t-et-emprunt\/comprendre-les-prets\/10-facons-de-reduire-ses-dettes-sans-mettre-sa-vie-sur-pause\/\">\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-ef4c973d-4272-4dc9-be4d-c85bb5dd3ac4\" 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\/paiements\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Paiements<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/sujets\/services-bancaires-services-bancaires-numeriques\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Services bancaires\/services bancaires num\u00e9riques<\/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=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Femme tapant sur un ordinateur lors de la r\u00e9vision d\u2019un \u00e9tat financier.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Tax-Tips-Article-Image.jpg?resize=768,512 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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\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\/cybersecurite\/comprendre-la-cybersecurite\/conseils-fiscaux-moyens-pour-le-contribuable-de-proteger-ses-donnees\/\" class=\"card-title h4 mar-t-0\">Conseils fiscaux : moyens pour le contribuable de prot\u00e9ger ses donn\u00e9es<\/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=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Trois coll\u00e8gues regardant un ordinateur.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=768,512 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\/cybersecurite\/cybersecurite-pour-les-entreprises\/\">\n\t\t\t\t\t\tCybers\u00e9curit\u00e9 pour les entreprises\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\/cybersecurite\/cybersecurite-pour-les-entreprises\/cybersecurite-des-entreprises-comment-prevenir-et-contrer-les-escroqueries\/\" class=\"card-title h4 mar-t-0\">Cybers\u00e9curit\u00e9 des entreprises : comment pr\u00e9venir et contrer les escroqueries<\/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=\"768\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Livret de poche sur une table.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg 1080w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=300,225 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=768,576 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/Digital-Safety-Scams-Personal-Article-Image_FR2.jpg?resize=1024,768 1024w\" 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\/cybersecurite\/comprendre-la-cybersecurite\/\">\n\t\t\t\t\t\tComprendre la cybers\u00e9curit\u00e9\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\/cybersecurite\/comprendre-la-cybersecurite\/securite-numerique-et-escroqueries-comment-vous-proteger-en-ligne\/\" class=\"card-title h4 mar-t-0\">S\u00e9curit\u00e9 num\u00e9rique et escroqueries : comment vous prot\u00e9ger en ligne<\/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-c271240e-6034-4c49-a6cb-96e2f5e5b41c {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-c271240e-6034-4c49-a6cb-96e2f5e5b41c {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-ef4c973d-4272-4dc9-be4d-c85bb5dd3ac4 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-ef4c973d-4272-4dc9-be4d-c85bb5dd3ac4 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>Vous pouvez restreindre vos d\u00e9penses tout en profitant de la vie.<\/p>\n","protected":false},"author":80,"featured_media":29215,"parent":6559,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[141,129],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[273],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,95,46],"class_list":["post-29214","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-paiements","tag-services-bancaires-services-bancaires-numeriques","rbc_content_type-article","rbc_lob_group-prets","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-comprendre-les-prets","rbc_mmm_category-credit-t-et-emprunt"],"acf":{"contently_publication_id":"","custom_author":"RBC","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 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