{"id":548,"date":"2026-10-29T00:04:15","date_gmt":"2026-10-29T04:04:15","guid":{"rendered":"https:\/\/gmat40.com\/?page_id=548"},"modified":"2026-10-29T00:04:15","modified_gmt":"2026-10-29T00:04:15","slug":"snowball-vs-avalanche-two-ways-to-pay-off-debt","status":"publish","type":"page","link":"https:\/\/gmat40.com\/fr\/topics\/debt-management\/snowball-vs-avalanche-two-ways-to-pay-off-debt\/","title":{"rendered":"Effet boule de neige ou avalanche\u00a0: deux fa\u00e7ons de rembourser ses dettes"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"548\" class=\"elementor elementor-548\">\n\t\t\t\t<section class=\"elementor-element elementor-element-7e70e8c e-con e-atomic-element e-flexbox-base e-default-section section-white\" data-id=\"7e70e8c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7e70e8c\">\n    <div class=\"elementor-element elementor-element-511db3f e-con e-atomic-element e-flexbox-base e-default-div article-layout\" data-id=\"511db3f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"511db3f\">\n    <article class=\"elementor-element elementor-element-2cedd6c e-con e-atomic-element e-flexbox-base e-default-article article-main\" data-id=\"2cedd6c\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"2cedd6c\">\n    <div class=\"elementor-element elementor-element-304c829 e-con e-atomic-element e-flexbox-base e-default-div article-head\" data-id=\"304c829\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"304c829\">\n    <div class=\"elementor-element elementor-element-a78e991 e-con e-atomic-element e-flexbox-base e-default-div breadcrumb\" data-id=\"a78e991\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"a78e991\">\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=\"59f66bf\">\n\tBiblioth\u00e8que\n<\/a>\n\t\t\t\t\t<span class=\"breadcrumb-sep e-paragraph-base e-default-span\" data-interaction-id=\"9efefaf\">\/<\/span>\n\t\t\t\t\t<a href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/\" target=\"_self\" class=\"breadcrumb-link e-button-base e-default-a\" data-interaction-id=\"cb56eac\">\n\tGestion de la dette\n<\/a>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-6c4924e e-con e-atomic-element e-flexbox-base e-default-div article-meta\" data-id=\"6c4924e\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"6c4924e\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"4341113\">Premium<\/span>\n\t\t\t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"5bb3e86\">Article 4 sur 10<\/span>\n\t\t\t\t\t<span class=\"meta-text e-paragraph-base e-default-span\" data-interaction-id=\"21639ed\">2 min de lecture<\/span>\n\t\t\n<\/div>\n\t\t\t<h1 data-interaction-id=\"793a338\" class=\"title-lg e-heading-base e-default-h1\">Effet boule de neige ou avalanche\u00a0: deux fa\u00e7ons de rembourser ses dettes<\/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=\"9c8d3d5\" id=\"284\" src=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-1024x972.webp\" width=\"1024\" height=\"972\" srcset=\"https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-1024x972.webp 1024w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-300x285.webp 300w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-768x729.webp 768w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-1536x1457.webp 1536w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-13x12.webp 13w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74-600x569.webp 600w, https:\/\/gmat40.com\/wp-content\/uploads\/2026\/10\/gmat40-image-74.webp 1600w\" alt=\"\"\/>\t\t<div class=\"elementor-element elementor-element-391d3d6 e-con e-atomic-element e-flexbox-base e-default-div prose\" data-id=\"391d3d6\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"391d3d6\" id=\"article-preview\">\n    \t\t\t<p class=\"prose-p e-paragraph-base e-default-p\" data-interaction-id=\"9c7e5e4\">Si vous avez plusieurs dettes, laquelle rembourser en priorit\u00e9\u00a0? Deux strat\u00e9gies courantes peuvent vous aider. Toutes deux consistent \u00e0 payer au moins le montant minimum sur chaque dette, puis \u00e0 consacrer les fonds suppl\u00e9mentaires au remboursement d\u2019une dette prioritaire.<\/p>\n\t\t\t\t\t<h2 data-interaction-id=\"4775c81\" class=\"prose-heading e-heading-base e-default-h2\">Nos exemples de dettes<\/h2>\n\t\t\n<\/div>\n\n<div class=\"elementor-element elementor-element-ffcfa69 e-con e-atomic-element e-flexbox-base e-default-div gate-panel\" data-id=\"ffcfa69\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"ffcfa69\" id=\"article-gate\">\n    \t\t\t<span class=\"tag e-paragraph-base e-default-span\" data-interaction-id=\"b8b163a\">Article Premium<\/span>\n\t\t\t\t\t<h2 data-interaction-id=\"b1e0395\" class=\"title-md e-heading-base e-default-h2\">Cet article fait partie de l&#039;abonnement Premium.<\/h2>\n\t\t\t\t\t<p class=\"text e-paragraph-base e-default-p\" data-interaction-id=\"6ab5270\">Les membres Premium ont acc\u00e8s \u00e0 l&#039;int\u00e9gralit\u00e9 des 100 articles et b\u00e9n\u00e9ficient de conseils, d&#039;ateliers et de s\u00e9minaires sans frais suppl\u00e9mentaires. L&#039;abonnement Premium co\u00fbte 49,99\u00a0$ par an.<\/p>\n\t\t<div class=\"elementor-element elementor-element-fc0d20b e-con e-atomic-element e-flexbox-base e-default-div button-row\" data-id=\"fc0d20b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fc0d20b\">\n    \t\t\t<a href=\"https:\/\/gmat40.com\/fr\/membership\/\" target=\"_self\" class=\"button-primary e-button-base e-default-a\" data-interaction-id=\"827b9c2\">\n\tChoisissez Premium\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=\"a8d91a6\">\n\tSe connecter\n<\/a>\n\t\t\n<\/div>\n\n<\/div>\n<div class=\"elementor-element elementor-element-f6a4e37 e-con e-atomic-element e-flexbox-base e-default-div article-nav\" data-id=\"f6a4e37\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"f6a4e37\">\n    <a class=\"elementor-element elementor-element-15c7e88 e-con e-atomic-element e-flexbox-base e-default-a article-nav-link\" data-id=\"15c7e88\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"15c7e88\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/credit-cards-a-tool-not-free-money\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"5f209ea\">Pr\u00e9c\u00e9dent<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"7fa2143\">Cartes de cr\u00e9dit\u00a0: un outil, pas de l\u2019argent gratuit<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-695f5ed e-con e-atomic-element e-flexbox-base e-default-a article-nav-next\" data-id=\"695f5ed\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"695f5ed\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/build-your-debt-repayment-plan-in-4-steps\/\" target=\"_self\">\n    \t\t\t<span class=\"small e-paragraph-base e-default-span\" data-interaction-id=\"3d7c189\">Suivant<\/span>\n\t\t\t\t\t<span class=\"title-sm e-paragraph-base e-default-span\" data-interaction-id=\"6d13dd7\">\u00c9laborez votre plan de remboursement de dette en 4 \u00e9tapes<\/span>\n\t\t\n<\/a>\n\n<\/div>\n\n<\/article>\n<aside class=\"elementor-element elementor-element-d5353bd e-con e-atomic-element e-flexbox-base e-default-aside article-aside\" data-id=\"d5353bd\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d5353bd\">\n    <div class=\"elementor-element elementor-element-7cf4598 e-con e-atomic-element e-flexbox-base e-default-div side-panel\" data-id=\"7cf4598\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"7cf4598\">\n    <div class=\"elementor-element elementor-element-d14cd57 e-con e-atomic-element e-flexbox-base e-default-div eyebrow\" data-id=\"d14cd57\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"d14cd57\">\n    \t\t\t\n<hr class=\"eyebrow-mark e-divider-base\" data-interaction-id=\"a98758d\" \/>\n\t\t\t\t\t<span class=\"eyebrow-text e-paragraph-base e-default-span\" data-interaction-id=\"5669f42\">Dans ce sujet<\/span>\n\t\t\n<\/div>\n<a class=\"elementor-element elementor-element-640f867 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"640f867\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"640f867\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/what-is-debt-and-is-all-debt-bad\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"6256b37\">01<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"30d6e62\">Qu&#039;est-ce que la dette, et toute dette est-elle mauvaise ?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5c86aff e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5c86aff\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5c86aff\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/interest-explained-the-price-of-borrowing\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"a3a1b23\">02<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d67af9a\">L&#039;int\u00e9r\u00eat expliqu\u00e9 : le prix de l&#039;emprunt<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-fc29a49 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"fc29a49\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"fc29a49\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/credit-cards-a-tool-not-free-money\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"91675fa\">03<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"133d1fb\">Cartes de cr\u00e9dit\u00a0: un outil, pas de l\u2019argent gratuit<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-cceba88 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"cceba88\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"cceba88\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/snowball-vs-avalanche-two-ways-to-pay-off-debt\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"cb53946\">04<\/span>\n\t\t\t\t\t<span class=\"side-link-text-active e-paragraph-base e-default-span\" data-interaction-id=\"4f0518d\">Effet boule de neige ou avalanche\u00a0: deux fa\u00e7ons de rembourser ses dettes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-56bcaba e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"56bcaba\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"56bcaba\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/build-your-debt-repayment-plan-in-4-steps\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"ecca544\">05<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"327a9c8\">\u00c9laborez votre plan de remboursement de dette en 4 \u00e9tapes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-b541f4f e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"b541f4f\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"b541f4f\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/student-loans-borrowing-for-education-wisely\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"3801b0a\">06<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"09d3b8e\">Pr\u00eats \u00e9tudiants : emprunter intelligemment pour financer ses \u00e9tudes<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-24d3516 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"24d3516\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"24d3516\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/debt-consolidation-simplify-or-stumble\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"562be9e\">07<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"05e236e\">Consolidation de dettes : simplifier ou tr\u00e9bucher ?<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-56b13ee e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"56b13ee\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"56b13ee\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/new-to-canada-managing-debt-and-avoiding-costly-traps\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"cbfdcec\">08<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d35bd7b\">Vous venez d&#039;arriver au Canada\u00a0? G\u00e9rer sa dette et \u00e9viter les pi\u00e8ges co\u00fbteux<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-9fbb98b e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"9fbb98b\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"9fbb98b\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/when-debt-feels-out-of-control-where-to-get-help\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"c317073\">09<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"d16c4e1\">Quand les dettes vous semblent incontr\u00f4lables\u00a0: o\u00f9 trouver de l\u2019aide<\/span>\n\t\t\n<\/a>\n<a class=\"elementor-element elementor-element-5c3e391 e-con e-atomic-element e-flexbox-base e-default-a side-link\" data-id=\"5c3e391\" data-element_type=\"e-flexbox\" data-e-type=\"e-flexbox\" data-interaction-id=\"5c3e391\" href=\"https:\/\/gmat40.com\/fr\/topics\/debt-management\/how-much-debt-is-too-much-your-debt-to-income-ratio\/\" target=\"_self\">\n    \t\t\t<span class=\"article-num e-paragraph-base e-default-span\" data-interaction-id=\"633ee0b\">10<\/span>\n\t\t\t\t\t<span class=\"side-link-text e-paragraph-base e-default-span\" data-interaction-id=\"9b03dda\">Quel est le niveau d&#039;endettement excessif\u00a0? Votre ratio dette\/revenu<\/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=\"9e7a7e4\">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 \/ Debt Management Premium Article 4 of 10 2 min read Snowball vs. Avalanche: Two Ways to Pay Off [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":544,"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-548","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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