{"id":18813,"date":"2023-06-05T11:11:58","date_gmt":"2023-06-05T09:11:58","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/?p=18813"},"modified":"2025-07-31T10:12:22","modified_gmt":"2025-07-31T08:12:22","slug":"activite-secondaire","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/activite-secondaire\/","title":{"rendered":"D\u00e9marrer une activit\u00e9 secondaire pour compl\u00e9ter ses finances"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">Vous avez un peu de mal \u00e0 joindre les 2 bouts ? Vous avez une id\u00e9e mais n'osez pas vous lancer ? Mener une activit\u00e9 secondaire g\u00e9n\u00e9rant des revenus peut \u00eatre une solution. Elle peut d'ailleurs \u00eatre envisag\u00e9e comme test avant de devenir votre activit\u00e9 principale. Quelques conditions doivent cependant \u00eatre r\u00e9unies pour \u00e9viter les ennuis.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00e9rifier vos droits avant de vous lancer<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L'activit\u00e9 secondaire appel\u00e9e aussi \"side-business\" vise \u00e0 vous rapporter des revenus. Le cumul d'activit\u00e9 peut \u00eatre interdit par votre <strong>convention collective<\/strong>, votre accord de branche ou d'entreprise ou par le<strong> droit du travail<\/strong>. S'il est possible, des r\u00e8gles diff\u00e9rentes peuvent s'appliquer selon les activit\u00e9s concern\u00e9es. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous \u00eates <strong>salari\u00e9<\/strong>, vous ne pouvez pas exercer une <strong>autre activit\u00e9 salari\u00e9e<\/strong> pouvant concurrencer celle de votre employeur. L'interdiction figure dans votre contrat de travail via une <strong>clause de non concurrence<\/strong> ou encore une <strong>clause d'exclusivit\u00e9<\/strong>. En cas de non respect, vous pourriez \u00eatre licenci\u00e9 pour&nbsp;faute grave. Sauf exception, l'employeur n'a pas le droit de vous interdire une autre activit\u00e9, si vous \u00eates en temps partiel. Vous pouvez d'ailleurs demander \u00e0 votre employeur <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/le-temps-partiel-creation\/\" target=\"_blank\" rel=\"noreferrer noopener\">un temps partiel cr\u00e9ation<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour 2 activit\u00e9s salari\u00e9es, vous ne devez pas travailler&nbsp;au total :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>plus de 10 heures par jour<\/strong><\/li><li><strong>et 48 heures par semaine<\/strong>&nbsp;(<strong>ou 44 heures par semaine<\/strong>, calcul\u00e9es sur une p\u00e9riode de 12 semaines cons\u00e9cutives). <\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de cumul d'activit\u00e9 <strong>salari\u00e9e et non salari\u00e9e<\/strong>, seule la 1\u00e8re est prise en compte pour la dur\u00e9e maximale de temps de travail. Certaines activit\u00e9s font exception et vous pouvez donc d\u00e9passer ce temps, il s'agit d'activit\u00e9s : <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>scientifiques, litt\u00e9raires ou artistiques et concours apport\u00e9s aux \u0153uvres d'int\u00e9r\u00eat g\u00e9n\u00e9ral (enseignement, \u00e9ducation ou  bienfaisance... ),<\/li><li>accomplies pour votre propre compte ou \u00e0 titre gratuit sous forme d'une entraide b\u00e9n\u00e9vole, <\/li><li>petits travaux m\u00e9nagers chez des particuliers pour leurs besoins personnels, <\/li><li>d'extr\u00eame urgence pour pr\u00e9venir des accidents imminents ou organiser des mesures de sauvetage.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, si vous souhaitez<strong>&nbsp;<a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F11677\" target=\"_blank\" rel=\"noreferrer noopener\">cr\u00e9er ou reprendre une entreprise<\/a><\/strong>, la clause d'exclusivit\u00e9 peut \u00eatre lev\u00e9e provisoirement et pendant 1 \u00e0 2 ans maximum. Au bout de cette p\u00e9riode, vous devrez soit garder votre emploi soit cr\u00e9er votre entreprise et rompre votre contrat de travail.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-background wp-block-paragraph\" style=\"background-color:#d6d8da\">A savoir : des amendes sont encourues en cas de cumul interdit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Choisir une activit\u00e9 secondaire compatible avec votre vie quotidienne<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Votre&nbsp;activit\u00e9 secondaire, men\u00e9e en parall\u00e8le de votre emploi principal, ne doit pas vous mettre en difficult\u00e9. Les <strong>potentiels revenus<\/strong> ne sont pas encore d\u00e9finis et restent compl\u00e9mentaires, alors assurez vos arri\u00e8res. Pr\u00e9f\u00e9rez une activit\u00e9 secondaire en phase avec vos passe-temps par exemple, autrement dit une activit\u00e9 facile \u00e0 mettre en place rapidement sans grosse charge de travail.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En vous appuyant sur vos <strong>connaissances<\/strong>, vos <strong>comp\u00e9tences <\/strong>ou <strong>aptitudes <\/strong>particuli\u00e8res et aussi sur votre <strong>\u00e9quipement <\/strong>ou mat\u00e9riel actuel, vous pouvez ainsi par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>donner des <strong>cours <\/strong>de langues, de musique... proposer des formations en ligne, <\/li><li>r\u00e9diger un <strong>blog <\/strong>ou encore des <strong>e-books<\/strong>, <\/li><li>\u00eatre <strong>relecteur<\/strong>, pigiste, etc.<\/li><li> r\u00e9aliser des travaux d<strong>'am\u00e9nagement<\/strong>, de <strong>r\u00e9paration<\/strong>, de <strong>jardinage<\/strong>, de <strong>couture<\/strong>,<\/li><li>faire du <strong>m\u00e9nage<\/strong>, <\/li><li>\u00eatre <strong>h\u00f4te, <\/strong>ou accueil d'h\u00f4tes, pour des locations saisonni\u00e8res, <\/li><li>devenir <strong>consultant<\/strong> <strong>free-lance<\/strong>, <\/li><li>vous mettre au <strong>covoiturage<\/strong>, devenir chauffeur priv\u00e9, ou m\u00eame louer votre voiture ou votre v\u00e9lo,<\/li><li>faire du home sitting, du <strong>baby sitting<\/strong>, dog sitting... etc.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quelles d\u00e9marches  pour r\u00e9ussir ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d'engager des d\u00e9penses d'<strong>investissement<\/strong>, d<strong>'\u00e9quipement<\/strong>, et du <strong>temps<\/strong>, calculez ce que peut vous rapporter cette nouvelle activit\u00e9 sur une base raisonnable d'<strong>horaires<\/strong> et\/ou <strong>productions<\/strong>. Autrement dit, estimez le <strong>prix <\/strong>de vos productions ou vos services en consultant en ligne des <strong>annonces<\/strong> similaires \u00e0 ce que vous proposez. Evaluez le nombre r\u00e9alisable par semaine ou mois.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devrez ensuite passer par une phase <strong>marketing <\/strong>pour<strong> vous faire conna\u00eetre<\/strong> et faire conna\u00eetre votre <strong>offre de services<\/strong> via plusieurs m\u00e9dias : <strong>r\u00e9seaux sociaux<\/strong>, <strong>affichettes <\/strong>dans les rues, <strong>petites annonces<\/strong> aupr\u00e8s des commer\u00e7ants, <strong>entourage <\/strong>familial et voisins... vos r\u00e9seaux en g\u00e9n\u00e9ral et pourquoi pas un mini-site selon l'activit\u00e9. Vous devez aller chercher vos \"1ers clients\". Leur satisfaction vous aidera par la suite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez aussi que selon votre revenus, voire votre \"chiffre d'affaires\", vous devrez sans doute d\u00e9clarer votre activit\u00e9 voire m\u00eame <a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/lancement-activite-professionnelle\/\" target=\"_blank\" rel=\"noreferrer noopener\">opter pour un<\/a><strong><a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/lancement-activite-professionnelle\/\" target=\"_blank\" rel=\"noreferrer noopener\"> statut<\/a> juridique<\/strong> type <a href=\"https:\/\/www.autoentrepreneur.urssaf.fr\/portail\/accueil\/creer-mon-auto-entreprise.html\" target=\"_blank\" rel=\"noreferrer noopener\">auto-entrepreneur<\/a> appel\u00e9 d\u00e9sormais<a href=\"https:\/\/www.lesclesdelabanque.com\/entreprise\/micro-entrepreneur-votre-chiffre-daffaires-depasse-le-seuil-autorise-que-faire\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong> micro-entrepreneur<\/strong><\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Renseignez-vous aupr\u00e8s de votre centre des <a rel=\"noreferrer noopener\" href=\"https:\/\/www.impots.gouv.fr\/particulier\/questions\/comment-declarer-mes-revenus-dactivites-annexes-telles-que-le-co-voiturage-la\" target=\"_blank\"><strong>imp\u00f4ts<\/strong><\/a> pour savoir comment d\u00e9clarer les revenus de cette <strong>activit\u00e9 annexe<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"D\u00e9marrer une activit\u00e9 secondaire pour renflouer ses finances\" :<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F1945#:~:text=Vous%20ne%20pouvez%20pas%20exercer,applicables%20en%20droit%20du%20travail.\" target=\"_blank\">\u00c0 quelles conditions un salari\u00e9 peut-il cumuler plusieurs emplois ? sur service-public.fr<\/a><\/li><li><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/id\/LEGISCTA000033001718\" target=\"_blank\" rel=\"noreferrer noopener\">Temps de travail maximum \u00e0 l'article L3121-18) - L\u00e9gifrance (legifrance.gouv.fr)<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.autoentrepreneur.urssaf.fr\/portail\/accueil\/creer-mon-auto-entreprise.html\" target=\"_blank\">Cr\u00e9er mon auto-entreprise  sur le site urssaf.fr<\/a><\/li><li><a rel=\"noreferrer noopener\" href=\"https:\/\/www.impots.gouv.fr\/particulier\/questions\/comment-declarer-mes-revenus-dactivites-annexes-telles-que-le-co-voiturage-la\" target=\"_blank\">Comment d\u00e9clarer mes revenus d'activit\u00e9s annexes telles que le covoiturage, la location de biens  \u2026 ? sur impots.gouv.fr<\/a><\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalLeft\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"239.12 0 188.4 666.65\"> <defs><clipPath id=\"a\"><path clip-rule=\"evenodd\" d=\"M500 0v500H0V0h500z\" \/><\/clipPath><\/defs><g clip-path=\"url(#a)\" transform=\"scale(1.3333)\"><path d=\"M319.23 500h0-139.882 0V0h1.468c0 79.482 64.304 108.12 73.914 180.986h0c9.61 72.865 2.476 64.708 11.96 136.62h0c9.485 71.911 31.518 80.281 44.568 116.901h0c8.7 24.413 11.357 46.244 7.972 65.493z\" fill-rule=\"evenodd\" \/><\/g><\/svg><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--verticalRight\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 289 1024\"><path d=\"M2.514 1024h286.478V0h-3.006c0 162.779-131.695 221.43-151.376 370.659-19.681 149.228-5.071 132.522-24.494 279.798C90.691 797.731 45.567 814.872 18.841 889.87 1.023 939.868-4.418 984.578 2.514 1024z\" \/><\/svg><div class=\"titleWithShadowText__textWrapper\">\n                <h4 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h4>\n                                <span role=\"presentation\" class=\"titleWithShadowText__shadow\">Voir aussi<\/span>\n                                                            <\/div>\n        <\/div>\n            <\/div>\n<div role=\"presentation\" class=\"titleWithShadowText__wave titleWithShadowText__wave--ie\"><\/div><svg class=\"titleWithShadowText__wave titleWithShadowText__wave--horizontal\" viewbox=\"0 0 35171 2240\"><use xlink:href=\"#wave\" href=\"#wave\"><\/use><\/svg><\/div>\n        \n\n<div class=\"carousel\" data-wp-interactive=\"fbf\/carousel\" 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class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Bien r\u00e9agir en cas de perte de revenus<\/span>\n                <\/h3>\n                                <p class=\"card__article\">Ch\u00f4mage, maladie, s\u00e9paration\u2026 les accidents de la vie engendrent souvent une perte de revenus. Comment faire face aux d\u00e9penses courantes et au remboursement des cr\u00e9dits alors (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:69,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon budget&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:116}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"69\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\"\n         data-title=\"Ma\u00eetriser mon budget\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Hors-s\u00e9rie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon budget<\/span>\n                <\/h3>\n                                <p class=\"card__article\">G\u00e9rer son budget peut sembler fastidieux, on ne sait pas toujours comment proc\u00e9der, par o\u00f9 commencer, ni quels outils utiliser. C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:697,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/budget-familial\/&quot;,&quot;title&quot;:&quot;Calculateur de budget familial&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/calcul-150x150.jpg&quot;,&quot;likes&quot;:23}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use 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Consulter ses comptes, effectuer un virement ou r\u00e9gler un achat en ligne (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><\/div><div class=\"navigation\"><button type=\"button\" class=\"navigation__btn navigation__btn--previous\" data-wp-on--click=\"actions.previous\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.prevDisabled\"><span class=\"a11y-hidden\">Voir plus sur la gauche<\/span><svg class=\"navigation__arrow navigation__arrow--previous\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><button type=\"button\" class=\"navigation__btn navigation__btn--next\" data-wp-on--click=\"actions.next\" data-wp-bind--hidden=\"context.hidden\" data-wp-bind--disabled=\"context.nextDisabled\"><span class=\"a11y-hidden\">Voir plus sur la droite<\/span><svg class=\"navigation__arrow navigation__arrow--next\" role=\"presentation\"><use href=\"#arrow\" xlink:href=\"#arrow\" \/><\/svg><\/button><\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Vous avez un peu de mal \u00e0 joindre les 2 bouts ? Vous avez une id\u00e9e mais n'osez pas vous lancer ? Mener une activit\u00e9 secondaire g\u00e9n\u00e9rant des revenus peut \u00eatre une solution. Elle peut d'ailleurs \u00eatre envisag\u00e9e comme test avant de devenir votre activit\u00e9 principale. Quelques conditions doivent cependant \u00eatre r\u00e9unies pour \u00e9viter les [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":21005,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":15,"views":11805,"viewed_at":"1778492552","newsletter":"1","_yoast_wpseo_primary_category":385,"footnotes":""},"categories":[146,385,270,275],"tags":[],"class_list":["post-18813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-au-quotidien","category-cote-ressources","category-mes-moments-de-vie","category-mon-budget"],"yoast_head":"<title>D\u00e9marrer une activit\u00e9 secondaire pour compl\u00e9ter ses finances - C\u00f4t\u00e9 ressources - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Vous avez un peu de mal \u00e0 joindre les 2 bouts ? 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