{"id":6497,"date":"2023-08-10T18:52:33","date_gmt":"2023-08-10T18:52:33","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/"},"modified":"2026-02-02T22:37:49","modified_gmt":"2026-02-02T22:37:49","slug":"difficulte-a-joindre-les-deux-bouts","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\/","title":{"rendered":"Difficult\u00e9 A Joindre Les Deux Bouts"},"content":{"rendered":"\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-b-0 pad-t-0\" style=\"border-radius:0x\">\n<div class=\"wp-block-group is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-ce2ebfd8 wp-block-group-is-layout-constrained\">\n<p class=\"h3 mar-b-0 mar-t-0\">Nombreux sont les Canadiens qui doivent g\u00e9rer un budget serr\u00e9. Voici des conseils et des id\u00e9es sur la fa\u00e7on d\u2019optimiser votre budget et d\u2019en avoir plus pour votre argent.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-c0d3f29e-1be8-4677-8fb0-122f6a21a32d\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0\" id=\"h-gestion-et-consolidation-des-dettes\">Gestion et consolidation des dettes<\/h2>\n\n\n\n<div class=\"wp-block-rbc-my-money-matters-category-list\">\n\t\t\t<ul>\n\t\t\t<li><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\/\">Plus de Gestion et consolidation des dettes<\/a><\/li>\n\t\t<\/ul>\n\t<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4e2963d2-3a5b-46a1-8d41-3ce492f45592\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mar-b-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-standard\">\n\t\t\t\t\t<article id=\"post-37393\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-37393 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_audience-aines rbc_audience-etudiants rbc_audience-jeunes rbc_audience-noirs rbc_audience-nouveaux-arrivants rbc_audience-parents rbc_audience-proprietaires-dentreprise rbc_audience-relations rbc_lob_group-modes-dacces 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-et-consolidation-des-dettes\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"post card image\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"960\"\n\t\t\theight=\"640\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/How_to_pay_off_debt.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"post card image\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\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<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=\"h4 loop-post-title mar-t-0\">Comment rembourser ses dettes plus rapidement<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-bf4941ae-7971-4055-8c7f-d9019f6d658d\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbc-block pos-rel top-line-blue block-wpr pad-t-0 pad-b-0 pad-l-0 pad-r-0\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner pad-l-0 pad-r-0 pad-b-0 pad-t-0\">\t\n\t<div class=\"wp-block-tk-spacer id-e2561c1d-ae68-4132-bf18-80b3e8950a4f\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color\" style=\"font-weight:400\">Le saviez-vous&nbsp;?<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4697824c-673a-48fc-bfd5-cc9fd4a36124\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"h4 mar-t-0 mar-b-0\">67&nbsp;% des Canadiens sont inquiets \u00e0 propos de leurs liquidit\u00e9s.<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-885a67b3-5fd4-41a8-8b01-98711a5fddda\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color\" style=\"font-weight:400\">Source: Sondage sur l\u2019ind\u00e9pendance financi\u00e8re RBC 2023<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-77035ca0-a738-4285-8a87-330ecb7c2fe2\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0\" id=\"h-gestion-des-depenses\">Gestion des d\u00e9penses<\/h2>\n\n\n\n<div class=\"wp-block-rbc-my-money-matters-category-list\">\n\t\t\t<ul>\n\t\t\t<li><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\/\">Plus de Gestion des d\u00e9penses<\/a><\/li>\n\t\t<\/ul>\n\t<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-1827182c-8f45-4a70-8a5e-3ad7e2488573\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mar-b-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-standard\">\n\t\t\t\t\t<article id=\"post-38093\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-38093 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-etablissement-dun-budget tag-finances-personnelles tag-gestion-de-largent-2 rbc_content_type-article rbc_lob_group-modes-dacces 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\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Deux personnes souriantes tenant des sacs apr\u00e8s une s\u00e9ance de magasinage\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"960\"\n\t\t\theight=\"676\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/03\/shutterstock_624590444.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Deux personnes souriantes tenant des sacs apr\u00e8s une s\u00e9ance de magasinage\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\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<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\/quest-ce-que-linflation-du-niveau-de-vie-signes-exemples-et-comment-y-mettre-fin\/\" class=\"h4 loop-post-title mar-t-0\">Qu\u2019est-ce que l\u2019inflation du niveau de vie? Signes, exemples et comment y mettre fin<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-63f17824-92a0-4f00-8eb9-7a8f59f929fd\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbc-block pos-rel top-line-blue block-wpr pad-t-0 pad-b-0 pad-l-0 pad-r-0\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner pad-l-0 pad-r-0 pad-b-0 pad-t-0\">\t\n\t<div class=\"wp-block-tk-spacer id-21d31c8b-7e0d-4f76-b4ca-c47c9a58a9bb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color\" style=\"font-weight:400\">Le saviez-vous&nbsp;?<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-e712febd-acc9-42c5-8963-aad052d93a71\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"h4 mar-t-0 mar-b-0\">Plus de 30&nbsp;% des Canadiens croient qu\u2019ils ne peuvent pas \u00e9pargner davantage, parce que leurs d\u00e9penses fixes sont trop \u00e9lev\u00e9es.<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-eefd138c-5f4a-4c8d-b29d-2b7c890f15e8\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color\" style=\"font-weight:400\">Source: Sondage sur l\u2019ind\u00e9pendance financi\u00e8re RBC 2023<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel pad-t-0 pad-b-0\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner pad-t-0 pad-b-0\" style=\"border-radius:0x\">\t\n\t<div class=\"wp-block-tk-spacer id-5406f9d8-9232-4a61-a71b-39e54dc7f955\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<h2 class=\"wp-block-heading mar-t-0\" id=\"h-amelioration-de-votre-cote-de-solvabilite\">Am\u00e9lioration de votre cote de solvabilit\u00e9<\/h2>\n\n\n\n<div class=\"wp-block-rbc-my-money-matters-category-list\">\n\t\t\t<ul>\n\t\t\t<li><a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/endettement-et-reduction-du-stress\/difficulte-a-joindre-les-deux-bouts\/amelioration-de-votre-cote-de-solvabilite\/\">Plus de Am\u00e9lioration de votre cote de solvabilit\u00e9<\/a><\/li>\n\t\t<\/ul>\n\t<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-a0f00360-ec02-4952-9afe-ed1dfb713c29\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-columns  mar-b-0 is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column mar-r mob-mar-r-0 mar-b-0 is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:70%\">\t\t<div class=\"most-recent-by-taxonomy-jscroll jscroll-wrapper\">\n\t\t\t\t\t\t<div class=\"wp-block-rbc-most-recent-by-taxonomy most-recent-by-taxonomy-is-template-type-2 most-recent-by-taxonomy-standard\">\n\t\t\t\t\t<article id=\"post-7059\" class=\"rbcroyalbank-single-post-card single-post-card-vertical-type-2 post-7059 rbc_my_money_matter type-rbc_my_money_matter status-publish has-post-thumbnail hentry tag-credit-et-dette rbc_content_type-article rbc_lob_group-modes-dacces rbc_difficulty_level-beginner rbc_mmm_category-academie-financiere rbc_mmm_category-amelioration-de-votre-cote-de-solvabilite rbc_mmm_category-credit-et-cote-de-solvabilite rbc_mmm_category-credit-t-et-emprunt rbc_mmm_category-difficulte-a-joindre-les-deux-bouts rbc_mmm_category-endettement-et-reduction-du-stress\">\n\t<div class=\"col-wpr display-flex mar-b-0\">\n\t\t\t\t<div class=\"col-md-12 col-xs-5 mob-mar-b-0\">\n\t\t\t<div \n\t\t\t\trole=\"img\" \n\t\t\t\taria-label=\"Un homme ayant une copie imprim\u00e9e de son rapport de solvabilit\u00e9 examine ses finances en ligne\"\n\t\t\t\tclass=\"post-card-image\"\n\t\t\t>\n\t\t\t\t\t\t<img\n\t\t\tdecoding=\"async\"\n\t\t\tloading=\"lazy\"\n\t\t\twidth=\"930\"\n\t\t\theight=\"620\"\n\t\t\tsrc=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-14T125307.372.jpg?quality=80&#038;w=960\"\n\t\t\talt=\"Un homme ayant une copie imprim\u00e9e de son rapport de solvabilit\u00e9 examine ses finances en ligne\"\n\t\t\tclass=\"wp-post-image\"\n\t\t\t\t\t\/>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"col-md-12 col-xs-7 mob-mar-t-0\">\n\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\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/\">\n\t\t\t\t\t\tCr\u00e9dit et cote de solvabilit\u00e9\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/credit-t-et-emprunt\/credit-et-cote-de-solvabilite\/6-facons-de-retablir-votre-cote-de-solvabilite\/\" class=\"h4 loop-post-title mar-t-0\">6 fa\u00e7ons de r\u00e9tablir votre cote de solvabilit\u00e9<\/a>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/article>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t<!-- Different markup between back-end server side render and front-end -->\n\t\t\t\t\t<\/div>\n\t\t\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-3b6e3f2f-8d39-451f-89a2-8629c534948c\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-rbc-rbc-block pos-rel top-line-blue block-wpr pad-t-0 pad-b-0 pad-l-0 pad-r-0\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner pad-l-0 pad-r-0 pad-b-0 pad-t-0\">\t\n\t<div class=\"wp-block-tk-spacer id-f48c1db4-ed55-44bc-b621-87c621548ed5\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"mar-b-0 has-medium-grey-color has-text-color\" style=\"font-weight:400\">Le saviez-vous&nbsp;?<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-5d9ac46b-23c3-4717-91f7-e1796695b852\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"h4 mar-t-0 mar-b-0\">De plus en plus de Canadiens se tournent vers les cartes de cr\u00e9dit \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9 pour payer les d\u00e9penses de base, comme la nourriture et le loyer.<\/p>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-ef452073-38da-4050-a910-340d61c95d87\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-58fa7223-bfa9-4826-9bdf-529c3500b70a\" aria-hidden=\"true\"><\/div>\n\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-c0d3f29e-1be8-4677-8fb0-122f6a21a32d {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) 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