{"id":418,"date":"2026-10-29T00:03:49","date_gmt":"2026-10-29T04:03:49","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=418"},"modified":"2026-10-29T00:03:49","modified_gmt":"2026-10-29T00:03:49","slug":"saving-as-a-newcomer-your-first-12-months-in-canada","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-newcomer-your-first-12-months-in-canada\/","title":{"rendered":"\u00c9conomiser en tant que nouvel arrivant : vos 12 premiers mois au Canada"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"418\" class=\"elementor elementor-418\">\n\t\t\t\t<section class=\"elementor-element elementor-element-c337f40 e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"c337f40\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"c337f40\">\n    <div class=\"elementor-element elementor-element-285064d e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"285064d\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"285064d\">\n    <article class=\"elementor-element elementor-element-40ae7ce e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"40ae7ce\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"40ae7ce\">\n    <div class=\"elementor-element elementor-element-a5b86ca e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"a5b86ca\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a5b86ca\">\n    <div class=\"elementor-element elementor-element-18ff72c e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"18ff72c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"18ff72c\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/library\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"8ddc27e\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"7f819f8\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"5485d7d\">\n\tPlan d&#039;\u00e9pargne\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-6205f79 e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"6205f79\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6205f79\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"c212abf\">Gratuit avec Basique<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"bb27b9e\">Article 8 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"00854ec\">3 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"595126c\" class=\"title-lg e-heading-base e-default-h1\">\u00c9conomiser en tant que nouvel arrivant : vos 12 premiers mois au Canada<\/h1>\n\t\t\n<\/div>\n\t\t\t<img fetchpriority=\"high\" decoding=\"async\" class=\"e-image-base e-default-img article-cover\" data-interaction-id=\"dd06b01\" id=\"45\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-1024x573.webp\" width=\"1024\" height=\"573\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-1024x573.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-300x168.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-768x430.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-1536x859.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-18x10.webp 18w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57-600x336.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-57.webp 1600w\" alt=\"Illustration for the article: Saving as a Newcomer: Your First 12 Months in Canada\"\/>\t\t<div class=\"elementor-element elementor-element-123e1bf e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"123e1bf\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"123e1bf\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"5e2611b\">La premi\u00e8re ann\u00e9e au Canada co\u00fbte cher. Il faut compter entre les d\u00e9p\u00f4ts de garantie pour le logement, les v\u00eatements d&#039;hiver, les meubles, les transports et les documents, le tout avec des revenus encore instables. C&#039;est pr\u00e9cis\u00e9ment dans ces moments-l\u00e0 qu&#039;un plan d&#039;\u00e9pargne simple prend toute son importance.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"3fbba17\" class=\"prose-heading e-heading-base e-default-h2\">\u00c9tape 1 : Ouvrir les bons comptes<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-2e339ca e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"2e339ca\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2e339ca\" id=\"article-gate\">\n    \t\t\t<span class=\"tag-free e-paragraph-base e-default-span\" data-interaction-id=\"b3d39dd\">Article gratuit<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"bb119f8\" class=\"title-md e-heading-base e-default-h2\">Inscrivez-vous gratuitement pour continuer la lecture.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"8e423bf\">Les articles de base sont gratuits. Inscrivez-vous avec un nom d&#039;utilisateur et une adresse courriel, cliquez sur le lien d&#039;activation que nous vous envoyons pour d\u00e9finir votre mot de passe, puis connectez-vous pour lire les 50 articles de base.<\/p>\n\t\t<div class=\"elementor-element elementor-element-e7634c6 e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"e7634c6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"e7634c6\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/wp-login.php\/?action=register\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"643cbb3\">\n\tS&#039;inscrire gratuitement\n<\/a>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/wp-login.php\" target=\"_self\" class=\"button-ghost e-button-base e-default-a\" data-interaction-id=\"93e1ef1\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-6a36ff8 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"6a36ff8\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6a36ff8\">\n    <a class=\"elementor-element elementor-element-d290964 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"d290964\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d290964\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/rrsp-basics-saving-for-retirement-while-lowering-your-taxes\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"cb95294\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"35c36ad\">Principes de base du REER\u00a0: \u00c9pargner pour la retraite tout en r\u00e9duisant vos imp\u00f4ts<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-bb0d991 e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"bb0d991\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"bb0d991\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-student-small-amounts-big-habits\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"82fab66\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"0879c7e\">\u00c9pargner quand on est \u00e9tudiant\u00a0: petites sommes, grandes habitudes<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-fd38fc2 e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"fd38fc2\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fd38fc2\">\n    <div class=\"elementor-element elementor-element-82aaa62 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"82aaa62\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"82aaa62\">\n    <div class=\"elementor-element elementor-element-3cff769 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"3cff769\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"3cff769\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"fff78d3\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"ebde273\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-9d20770 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9d20770\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9d20770\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/why-saving-matters-your-first-step-to-financial-security\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ffee25f\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"199a470\">L&#039;importance de l&#039;\u00e9pargne : votre premier pas vers la s\u00e9curit\u00e9 financi\u00e8re<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0cee69c e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0cee69c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0cee69c\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/how-to-build-an-emergency-fund-even-on-a-tight-budget\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"208791b\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"8ffd5f4\">Comment constituer un fonds d&#039;urgence (m\u00eame avec un budget serr\u00e9)<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-d884219 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"d884219\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d884219\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/budgeting-basics-finding-the-money-to-save\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"2a84ed9\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"cdc23ae\">Principes de base de la gestion budg\u00e9taire\u00a0: trouver l\u2019argent \u00e0 \u00e9pargner<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-94a83dd e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"94a83dd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"94a83dd\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/savings-accounts-in-canada-choosing-the-right-one\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"477d588\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"7de9b2e\">Comptes d&#039;\u00e9pargne au Canada\u00a0: comment choisir le bon\u00a0?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-9e2e1c9 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9e2e1c9\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9e2e1c9\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/the-tfsa-explained-tax-free-savings-made-simple\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"258be5f\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"db074bb\">Le CELI expliqu\u00e9 : L&#039;\u00e9pargne libre d&#039;imp\u00f4t en toute simplicit\u00e9<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-0042413 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"0042413\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"0042413\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-for-your-first-home-with-the-fhsa\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"83a3d29\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"cd1e178\">\u00c9pargner pour votre premi\u00e8re propri\u00e9t\u00e9 avec le CELIAPP<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-a3a9374 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"a3a9374\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a3a9374\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/rrsp-basics-saving-for-retirement-while-lowering-your-taxes\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"4f99d83\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"c9ee94f\">Principes de base du REER\u00a0: \u00c9pargner pour la retraite tout en r\u00e9duisant vos imp\u00f4ts<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-6822b33 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"6822b33\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6822b33\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-newcomer-your-first-12-months-in-canada\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"e76a00f\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"dd84bec\">\u00c9conomiser en tant que nouvel arrivant : vos 12 premiers mois au Canada<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-2cee7bb e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"2cee7bb\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2cee7bb\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/saving-as-a-student-small-amounts-big-habits\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"f2519f7\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"e312bc1\">\u00c9pargner quand on est \u00e9tudiant\u00a0: petites sommes, grandes habitudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-52baf3f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"52baf3f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"52baf3f\" href=\"https:\/\/gmat40.com\/fr\/topics\/savings-plan\/7-common-savings-mistakes-and-how-to-avoid-them\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"828b494\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9e15a85\">7 erreurs courantes en mati\u00e8re d&#039;\u00e9pargne et comment les \u00e9viter<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\t\t\t<p class=\"small e-paragraph-base e-default-p\" data-interaction-id=\"e8f0670\">Ce contenu est fourni \u00e0 titre informatif uniquement et ne constitue pas un conseil financier, juridique ou fiscal. Les taux, les limites et les r\u00e8gles \u00e9tant susceptibles d&#039;\u00e9voluer, veuillez v\u00e9rifier les informations en vigueur aupr\u00e8s de votre \u00e9tablissement financier ou de l&#039;organisme gouvernemental comp\u00e9tent.<\/p>\n\t\t\n<\/aside>\n\n<\/div>\n\n<\/section>\n\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Library \/ Savings Plan Free with Basic Article 8 of 10 3 min read Saving as a Newcomer: Your First [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":410,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-418","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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