{"id":7050,"date":"2023-07-24T00:00:00","date_gmt":"2023-07-24T00:00:00","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/fr-ca\/mes-finances-dabord\/academie-financiere\/connaissances-financieres-de-base\/etablissement-du-budget\/saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation\/"},"modified":"2024-02-14T18:25:33","modified_gmt":"2024-02-14T18:25:33","slug":"saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation","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\/saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation\/","title":{"rendered":"Saine gestion de son argent\u00a0: conseils pour un budget adapt\u00e9 \u00e0 votre situation"},"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\">Saine gestion de son argent\u00a0: conseils pour un budget adapt\u00e9 \u00e0 votre situation<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Jacob Henriksen-Willis<\/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-2023-07-10T164135.053.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Une calculatrice, un tableur et un stylo sur un bureau\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T164135.053.jpg 930w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T164135.053.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2023\/09\/Untitled-design-2023-07-10T164135.053.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=Saine gestion de son argent\u00a0: conseils pour un budget adapt\u00e9 \u00e0 votre situation &#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\/saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation\/\">\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\/saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation\/\">\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 24 juillet 2023 \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>G\u00e9rer ses finances personnelles constitue une importante source de stress pour de nombreux Canadiens. Si vous faites partie de ceux qui perdent le sommeil en pensant \u00e0 leurs finances, vous avez tout int\u00e9r\u00eat \u00e0 vous organiser en \u00e9tablissant un budget r\u00e9aliste, adapt\u00e9 \u00e0 votre situation, pour \u00e9liminer une partie de la pression qui p\u00e8se sur vous. Reprendre le contr\u00f4le de vos finances vous permettra d\u2019\u00e9viter les mauvaises surprises et de retrouver une certaine tranquillit\u00e9 d\u2019esprit.<\/p>\n\n\n\n<p>Si vous avez d\u00e9j\u00e0 \u00e9prouv\u00e9 des difficult\u00e9s \u00e0 tenir un budget ou si vous vous pr\u00e9parez \u00e0 en \u00e9tablir un pour la premi\u00e8re fois, voici trois conseils utiles pour vous aider \u00e0 r\u00e9aliser vos objectifs financiers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">La r\u00e8gle des&nbsp;50\/30\/20<\/h2>\n\n\n\n<p>Examinez votre salaire mensuel et \u00e9valuez la part de votre salaire net (votre revenu apr\u00e8s imp\u00f4ts) qui sera consacr\u00e9e \u00e0 vos besoins, celle qui sera consacr\u00e9e \u00e0 vos envies et la somme que vous allez \u00e9pargner.<\/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>Vos&nbsp;<strong>besoins<\/strong>&nbsp;correspondent aux besoins \u00e9l\u00e9mentaires de la vie quotidienne. Le logement, l\u2019alimentation, le transport, les soins de sant\u00e9 et la garde d\u2019enfant en sont des exemples. Selon la r\u00e8gle des&nbsp;50\/30\/20, dans un budget moyen, 50&nbsp;% du salaire net est allou\u00e9 \u00e0 ces besoins \u00e9l\u00e9mentaires.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Vos&nbsp;<strong>envies<\/strong>&nbsp;correspondent aux choses agr\u00e9ables, qu\u2019il s\u2019agisse de vacances, de services de diffusion en continu, d\u2019\u00e9quipements de divertissement ou de repas au restaurant, par exemple. Dans un budget type, 30&nbsp;% des revenus sont consacr\u00e9s \u00e0 ces frais optionnels, mais si vous devez r\u00e9duire vos d\u00e9penses, il s\u2019agit du premier poste \u00e0 \u00e9tudier.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Les 20&nbsp;<strong>%&nbsp;<\/strong>restants sont habituellement consacr\u00e9s \u00e0&nbsp;<strong>l\u2019\u00e9pargne et au remboursement de dette.<\/strong>&nbsp;Votre \u00e9pargne peut \u00eatre affect\u00e9e \u00e0 un r\u00e9gime de retraite, un fonds d\u2019urgence ou un objectif personnel, tel que l\u2019achat d\u2019une maison ou l\u2019obtention d\u2019un dipl\u00f4me. Moins vous avez de dettes, plus la part de ces 20&nbsp;% pouvant \u00eatre consacr\u00e9e au long terme est \u00e9lev\u00e9e.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Naturellement, ces pourcentages ne sont que des propositions. En gardant toujours cette r\u00e8gle \u00e0 l\u2019esprit, il peut s\u2019av\u00e9rer judicieux d\u2019adapter votre budget en fonction de votre situation personnelle.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Se fixer des objectifs qui passent la RAMPE<\/h3>\n\n\n\n<p>Facile \u00e0 retenir, l\u2019acronyme \u00ab&nbsp;RAMPE&nbsp;\u00bb s\u2019applique \u00e0 la d\u00e9finition d\u2019objectifs financiers atteignables et r\u00e9alistes. Si l\u2019on d\u00e9compose cet acronyme, un objectif RAMPE est&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>R\u00e9alisable&nbsp;:&nbsp;<\/strong>bien qu\u2019il soit tr\u00e8s noble de viser la lune, si vous voulez vous tenir \u00e0 votre budget, vos objectifs financiers doivent rester \u00e0 votre port\u00e9e. Si vous avez en t\u00eate un objectif ambitieux, vous pouvez commencer par vous fixer des objectifs plus limit\u00e9s et plus faciles \u00e0 r\u00e9aliser, pour parvenir \u00e0 l\u2019atteindre.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Assorti d\u2019une \u00e9ch\u00e9ance&nbsp;:&nbsp;<\/strong>\u00e9tablissez un calendrier pr\u00e9cis pour r\u00e9aliser vos objectifs. Certaines personnes ont besoin de dates butoirs pour rester concentr\u00e9es ou cr\u00e9er un sentiment d\u2019urgence, mais les objectifs assortis d\u2019une \u00e9ch\u00e9ance vous donnent un point de rep\u00e8re pour mesurer votre progression, ainsi qu\u2019une ligne d\u2019arriv\u00e9e \u00e0 franchir.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Mesurable&nbsp;:&nbsp;<\/strong>veillez \u00e0 pouvoir suivre votre progression de fa\u00e7on objective. Cela vous permettra de f\u00eater les \u00e9tapes importantes et les r\u00e9alisations tout au long du projet et de vous faire une id\u00e9e assez pr\u00e9cise de la justesse du budget \u00e9tabli.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Prioritaire&nbsp;:&nbsp;<\/strong>la r\u00e9alisation de vos objectifs financiers doit permettre de concr\u00e9tiser quelque chose d\u2019important pour vous-m\u00eame ou votre famille.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Explicite&nbsp;:&nbsp;<\/strong>le fait de vous fixer un objectif clair \u00e0 atteindre vous aide \u00e0 adapter vos efforts et vos ressources en cons\u00e9quence.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Revue et adaptation r\u00e9guli\u00e8res<\/h4>\n\n\n\n<p>Les circonstances \u00e9voluent et il arrive que les choses ne se passent pas comme pr\u00e9vu. Le fait de disposer d\u2019une certaine souplesse dans votre budget vous \u00e9vitera de tout laisser tomber si vous n\u2019atteignez pas d\u2019embl\u00e9e les caps que vous vous \u00eates fix\u00e9s.<\/p>\n\n\n\n<p>Des revues r\u00e9guli\u00e8res du budget vous permettront \u00e9galement de rep\u00e9rer au plus vite les d\u00e9penses inutiles. Des services d\u2019abonnement inutilis\u00e9s peuvent, par exemple, peser sur vos revenus pendant des mois si vous ne contr\u00f4lez pas fr\u00e9quemment vos d\u00e9penses.<\/p>\n\n\n\n<p>Une analyse de vos habitudes de d\u00e9penses peut faciliter l\u2019\u00e9tablissement d\u2019un budget \u00e0 long terme et en am\u00e9liorer l\u2019utilit\u00e9. Gr\u00e2ce \u00e0 une bonne connaissance de vos habitudes financi\u00e8res, de vos points forts et de vos points faibles, acquise au fil des revues r\u00e9guli\u00e8res, vous pouvez \u00e9laborer un budget personnalis\u00e9, en ad\u00e9quation avec les objectifs de votre vie.<\/p>\n\n\n\n<div class=\"wp-block-columns has-border-color has-grey-border-color has-light-grey-background-color has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"border-width:1px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p><a href=\"https:\/\/www.rbcroyalbank.com\/mobile\/feature\/nomi\/budgets\/\" target=\"_blank\" rel=\"noreferrer noopener\">L\u2019outil de calcul du budget NOMI<\/a>\u00a0facilite la gestion des finances personnelles en recommandant un budget \u00e9labor\u00e9 d\u2019apr\u00e8s vos habitudes en mati\u00e8re de d\u00e9penses et d\u2019\u00e9pargne, et en vous apportant une aide active pour vous y tenir.<\/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\t\n\t<div class=\"wp-block-tk-spacer id-52f3d327-d10f-43cf-99f8-439865ddd4a1\" 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=Saine gestion de son argent\u00a0: conseils pour un budget adapt\u00e9 \u00e0 votre situation &#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\/saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation\/\">\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\/saine-gestion-de-son-argent-conseils-pour-un-budget-adapte-a-votre-situation\/\">\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-15972d97-120f-4b6d-954e-0f397022ba44\" 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=\"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, 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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\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=\"658\" src=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Jeune femme assise sur un canap\u00e9 avec une carte de cr\u00e9dit dans une main et un smartphone dans l\u2019autre, examinant une option de paiement Acheter maintenant, payez plus tard pour un achat en ligne.\" srcset=\"https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg 6228w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=300,193 300w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=768,494 768w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=1024,658 1024w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=1536,987 1536w, https:\/\/www.rbcroyalbank.com\/fr-ca\/wp-content\/uploads\/sites\/13\/2026\/01\/shutterstock_2068070435.jpg?resize=2048,1316 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\/credit-t-et-emprunt\/comprendre-les-prets\/\">\n\t\t\t\t\t\tComprendre les pr\u00eats\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\/credit-t-et-emprunt\/comprendre-les-prets\/votre-guide-des-services-acheter-maintenant-payer-plus-tard-comment-fonctionnent-ils-quand-les-utiliser-et-quand-sabstenir\/\" class=\"card-title h4 mar-t-0\">Votre guide des services \u00ab Acheter maintenant, payer plus tard \u00bb : comment fonctionnent-ils, quand les utiliser et quand s\u2019abstenir?<\/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-52f3d327-d10f-43cf-99f8-439865ddd4a1 {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-52f3d327-d10f-43cf-99f8-439865ddd4a1 {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-15972d97-120f-4b6d-954e-0f397022ba44 {\n\t\theight: 60px;\n\t}\n\n\t@media ( 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personnels.<\/p>\n","protected":false},"author":113,"featured_media":11652,"parent":6556,"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":[276],"rbc_difficulty_level":[123],"rbc_mmm_category":[32,45,92],"class_list":["post-7050","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-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":"360250","custom_author":"Jacob Henriksen-Willis","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":"<!-- 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