{"id":7040,"date":"2023-07-21T00:00:00","date_gmt":"2023-07-21T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/conseils-bancaires-2\/de-lepargne-a-la-securite-strategies-de-mise-en-place-dun-fonds-pour-les-imprevus\/"},"modified":"2023-12-27T17:39:55","modified_gmt":"2023-12-27T17:39:55","slug":"de-lepargne-a-la-securite-strategies-de-mise-en-place-dun-fonds-pour-les-imprevus","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/conseils-bancaires\/de-lepargne-a-la-securite-strategies-de-mise-en-place-dun-fonds-pour-les-imprevus\/","title":{"rendered":"De l&rsquo;\u00e9pargne \u00e0 la s\u00e9curit\u00e9 : strat\u00e9gies de mise en place d&rsquo;un fonds pour les impr\u00e9vus"},"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\">De l&rsquo;\u00e9pargne \u00e0 la s\u00e9curit\u00e9 : strat\u00e9gies de mise en place d&rsquo;un fonds pour les impr\u00e9vus<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Amanda Reaume<\/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=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T151832.348.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Tirelire rose prot\u00e9g\u00e9e de la pluie par un parapluie color\u00e9\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T151832.348.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T151832.348.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-13T151832.348.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\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=De l&rsquo;\u00e9pargne \u00e0 la s\u00e9curit\u00e9 : strat\u00e9gies de mise en place d&rsquo;un fonds pour les impr\u00e9vus &#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\/conseils-bancaires\/de-lepargne-a-la-securite-strategies-de-mise-en-place-dun-fonds-pour-les-imprevus\/\">\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\/conseils-bancaires\/de-lepargne-a-la-securite-strategies-de-mise-en-place-dun-fonds-pour-les-imprevus\/\">\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 21 juillet 2023 \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>Quand on pense \u00e0 l&rsquo;\u00e9laboration d&rsquo;un plan financier, on songe \u00e0 la gestion des d\u00e9penses, au remboursement des dettes et aux investissements. Toutefois, l&rsquo;argent que vous mettez de c\u00f4t\u00e9 pour les impr\u00e9vus peut servir de filet de s\u00e9curit\u00e9 et est tout aussi importants que les autres \u00e9l\u00e9ments de votre plan financier g\u00e9n\u00e9ral. N&rsquo;oubliez pas qu&rsquo;un fonds pour les impr\u00e9vus n&rsquo;est pas un fonds pour les urgences. Il sert \u00e0 payer de menues d\u00e9penses impr\u00e9vues et non vos d\u00e9penses quotidiennes en cas de perte d&#8217;emploi. Les fonds pour les impr\u00e9vus contiennent habituellement de 500 $ \u00e0 2 000 $.<\/p>\n\n\n\n<p>Que vous le mettiez en place pour pouvoir r\u00e9parer votre automobile ou prendre soin d&rsquo;un animal malade, vous pouvez facilement commencer \u00e0 l&rsquo;\u00e9tablir en suivant les \u00e9tapes sugg\u00e9r\u00e9es suivantes :<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>\u00c9tablissez-vous un objectif d\u2019\u00e9pargne<\/strong>&nbsp;: La premi\u00e8re \u00e9tape pour cr\u00e9er un fonds pour les impr\u00e9vus consiste \u00e0 d\u00e9terminer le montant que vous voulez y conserver. Un objectif financier clair vous aidera \u00e0 rester ferme et motiv\u00e9 \u00e0 l\u2019atteindre. \u00cates-vous \u00e0 l\u2019aise de savoir que vous pouvez couvrir le co\u00fbt inattendu de l\u2019achat de nouvelles laveuse et s\u00e9cheuse, au besoin ? Quel que soit l\u2019objectif, quel que soit le montant, assurez-vous de vous fixer un objectif financier.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Pr\u00e9parez un budget<\/strong>&nbsp;: Il est ensuite important de pr\u00e9parer un budget mensuel. Dressez la liste de toutes vos rentr\u00e9es de fonds et de toutes vos d\u00e9penses n\u00e9cessaires (comme l\u2019h\u00e9bergement, le transport et l\u2019\u00e9picerie). Cela vous aidera \u00e0 savoir combien d\u2019argent discr\u00e9tionnaire il vous reste. C\u2019est \u00e9galement un bon moment pour examiner vos d\u00e9penses non essentielles afin de rep\u00e9rer celles que vous pourriez \u00e9liminer pour gonfler votre \u00e9pargne. Il est important de payer vos dettes existantes et d\u2019investir pour l\u2019avenir, mais assurez-vous de consacrer une partie de votre argent discr\u00e9tionnaire \u00e0 votre fonds pour les impr\u00e9vus.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>S\u00e9paration des fonds<\/strong>&nbsp;: Il est crucial que vous ouvriez un compte d\u2019\u00e9pargne distinct pour votre fonds pour les impr\u00e9vus. Si l\u2019argent que vous y consacrez se trouve dans votre compte courant, il peut \u00eatre tentant d\u2019y faire un \u00ab petit emprunt \u00bb. Utilisez des comptes distincts pour votre \u00e9pargne et vos d\u00e9penses courantes. Loin des yeux loin du c\u0153ur.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>\u00c9pargne automatique<\/strong>&nbsp;: Dans la m\u00eame optique, il serait judicieux de garnir votre fonds pour les impr\u00e9vus au moyen de l\u2019\u00e9pargne automatique. Utilisez des outils, comme Trouv\u00c9pargne NOMI de RBC. Vous pourrez d\u00e9terminer le montant de votre \u00e9pargne automatique et la fr\u00e9quence des virements ; les fonds seront automatiquement vers\u00e9s dans votre compte pour les impr\u00e9vus.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Trouvez des fa\u00e7ons cr\u00e9atives d\u2019\u00e9pargner<\/strong>&nbsp;: Prenez le temps de v\u00e9rifier vos d\u00e9penses non essentielles pour voir celles que vous pourriez \u00e9liminer. Commencez par mettre l\u2019accent sur les d\u00e9penses discr\u00e9tionnaires (pr\u00e9parez votre caf\u00e9 \u00e0 la maison et ne rendez visite \u00e0 votre barista qu\u2019\u00e0 l\u2019occasion !). N\u00e9gociez avec vos fournisseurs de services publics pour obtenir de meilleurs tarifs et r\u00e9duire vos co\u00fbts de c\u00e2blodistribution ou d\u2019Internet. Chaque dollar compte ! Tous les fonds r\u00e9cup\u00e9r\u00e9s devraient servir \u00e0 rembourser les dettes en cours ou \u00eatre vers\u00e9s dans votre fonds pour les impr\u00e9vus.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Utilisez sagement les exc\u00e9dents impr\u00e9vus<\/strong>&nbsp;: Si vous recevez une prime ou un remboursement d\u2019imp\u00f4t, consid\u00e9rez la possibilit\u00e9 d\u2019en transf\u00e9rer une partie dans votre fonds pour les impr\u00e9vus (et assurez-vous d\u2019en garder un peu pour vos d\u00e9penses personnelles ou vos divertissements). Il faut aussi se g\u00e2ter un peu. Tout le monde a besoin de s\u2019amuser.<\/p>\n<\/li>\n<\/ol>\n\n\n\n<p>Faites de votre \u00e9pargne pour les impr\u00e9vus une priorit\u00e9 financi\u00e8re et un \u00e9l\u00e9ment cl\u00e9 de votre plan financier g\u00e9n\u00e9ral. Ainsi, vous acqu\u00e9rez un plus grand sentiment de s\u00e9curit\u00e9 financi\u00e8re et r\u00e9duirez votre stress lors des moments difficiles.<\/p>\n\n\n\n<div class=\"rds-gcw rds-mar-tb rds-pad-hlf mar-tb pad-hlf\" style=\"background-color: #eeeeee;border: 1px solid #c4c8cc;text-align: left\">\n<div class=\"rds-callout rds-centered centered\">\n<p>Vous aimeriez que votre \u00e9pargne fructifie encore plus rapidement ? Ouvrez un <a href=\"https:\/\/www.rbcroyalbank.com\/fr\/comptes\/e-savings.html\" target=\"_blank\" rel=\"noopener\">compte d&rsquo;\u00e9pargne \u00e0 int\u00e9r\u00eat \u00e9lev\u00e9<\/a> aujourd&rsquo;hui m\u00eame !<\/p>\n<\/div>\n<\/div>\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=De l&rsquo;\u00e9pargne \u00e0 la s\u00e9curit\u00e9 : strat\u00e9gies de mise en place d&rsquo;un fonds pour les impr\u00e9vus &#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\/conseils-bancaires\/de-lepargne-a-la-securite-strategies-de-mise-en-place-dun-fonds-pour-les-imprevus\/\">\n        <img 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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-c8aca1be-77ab-4b2a-927a-ab5dee0ccdc3\" 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=\"684\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Des pi\u00e8ces empil\u00e9es sont prot\u00e9g\u00e9es par un parasol rouge sur une table en bois\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg 6016w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=768,513 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=1024,684 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=1536,1025 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/11\/shutterstock_2237371329-1.jpg?resize=2048,1367 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\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/types-de-comptes\/quest-ce-que-la-sadc-et-comment-protege-t-elle-votre-argent\/\" class=\"card-title h4 mar-t-0\">Qu\u2019est-ce que la SADC et comment prot\u00e8ge-t-elle votre argent ?<\/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\/2025\/10\/shutterstock_2480419079.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\/2025\/10\/shutterstock_2480419079.jpg 6307w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2480419079.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\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/types-de-comptes\/guide-des-services-bancaires-sans-frais-annuels-pour-les-jeunes-adultes\/\" class=\"card-title h4 mar-t-0\">Un guide pour les jeunes adultes qui ne sont pas \u00e9tudiants : Comment profiter de la banque sans frais mensuels<\/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\/2025\/10\/shutterstock_2473391441.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Un couple heureux \u00e9conomise de l&#039;argent ensemble dans la tirelire apr\u00e8s avoir effectu\u00e9 des d\u00e9marches administratives.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg 9263w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=768,512 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=1024,683 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.jpg?resize=1536,1024 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2025\/10\/shutterstock_2473391441.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\/academie-financiere\/connaissances-financieres-de-base\/types-de-comptes\/\">\n\t\t\t\t\t\tTypes de comptes\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\/types-de-comptes\/comprendre-les-frais-bancaires-et-comment-economiser-sur-ces-frais\/\" class=\"card-title h4 mar-t-0\">Comprendre les frais bancaires et comment \u00e9conomiser sur ces frais<\/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-c8aca1be-77ab-4b2a-927a-ab5dee0ccdc3 {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-c8aca1be-77ab-4b2a-927a-ab5dee0ccdc3 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>N&rsquo;attendez pas les temps durs pour commencer \u00e0 \u00e9pargner pour ceux-ci. Commencez d\u00e8s aujourd&rsquo;hui en suivant ces six conseils \u00e9clair.<\/p>\n","protected":false},"author":85,"featured_media":11564,"parent":6557,"menu_order":0,"template":"","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"tags":[305],"rbc_content_type":[121],"rbc_audience":[],"rbc_lob_group":[275],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,45,93],"class_list":["post-7040","rbc_my_money_matter","type-rbc_my_money_matter","status-publish","has-post-thumbnail","hentry","tag-etablissement-dun-budget","rbc_content_type-article","rbc_lob_group-comptes","rbc_difficulty_level-beginner","rbc_mmm_category-academie-financiere","rbc_mmm_category-connaissances-financieres-de-base","rbc_mmm_category-conseils-bancaires"],"acf":{"contently_publication_id":"","custom_author":"Amanda Reaume","rbc_video_header":"","rbc_media_duration":"","rbc_video_keywords":"","rbc_video_description":"","rbc_video_upload_date":"","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=\"N&#039;attendez pas les temps durs pour commencer \u00e0 \u00e9pargner pour ceux-ci. 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