{"id":458,"date":"2026-03-26T00:00:00","date_gmt":"2026-03-25T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2017\/05\/20\/apprendre-a-mettre-de-largent-de-cote\/"},"modified":"2026-07-03T15:35:53","modified_gmt":"2026-07-03T13:35:53","slug":"apprendre-mettre-argent-de-cote","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/apprendre-mettre-argent-de-cote\/","title":{"rendered":"\u00c9conomiser, mettre de c\u00f4t\u00e9 : comment apprendre \u00e0 \u00e9pargner ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">L'\u00e9pargne est une comp\u00e9tence n\u00e9cessaire pour la s\u00e9curit\u00e9 et l'autonomie financi\u00e8re future d'un individu. Elle s\u2019apprend progressivement. Votre enfant re\u00e7oit de l'argent de poche, r\u00e9guli\u00e8rement ou \u00e0 certaines occasions ? Aidez-le \u00e0 comprendre qu\u2019on peut garder de l\u2019argent aujourd\u2019hui pour en profiter davantage demain.&nbsp;Pour que cela soit concret, il est important de passer par des outils simples et des exp\u00e9riences ludiques.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L'<strong><a href=\"https:\/\/www.oecd.org\/en\/publications\/pisa-2022-results-volume-iv_5a849c2a-en.html\">enqu\u00eate PISA 2022<\/a><\/strong> (Vol IV - publication juin 2024) r\u00e9v\u00e8le que 93 % des \u00e9l\u00e8ves (pays de l'OCDE) ont d\u00e9clar\u00e9 avoir \u00e9conomis\u00e9 de l\u2019argent au moins une fois au cours des 12 mois pr\u00e9c\u00e9dents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9pargne est une comp\u00e9tence essentielle. En la rendant concr\u00e8te, motivante et adapt\u00e9e \u00e0 son \u00e2ge, vous aidez votre enfant \u00e0 comprendre la valeur du temps, faire des choix r\u00e9fl\u00e9chis,&nbsp;construire une relation saine avec l\u2019argent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Economiser de l'argent : rendre l\u2019\u00e9pargne concr\u00e8te et visible<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un enfant, l\u2019argent est une notion abstraite. Il doit pouvoir <strong>voir et suivre ses progr\u00e8s<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelques id\u00e9es adapt\u00e9es selon son \u00e2ge :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>une <strong>tirelire transparente<\/strong>, pour observer les \u00e9conomies grandir au fil du temps ;<\/li><li>un <strong>tableau color\u00e9<\/strong>, o\u00f9 il coche chaque somme mise de c\u00f4t\u00e9 ;<\/li><li>la <strong>m\u00e9thode des trois pots<\/strong> ou <strong>enveloppes <\/strong>: un pour d\u00e9penser, un pour \u00e9pargner, un pour partager.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83c\udfb2 Ces supports l\u2019aident \u00e0 comprendre que l\u2019argent peut \u00eatre utilis\u00e9 de diff\u00e9rentes fa\u00e7ons, et pas seulement d\u00e9pens\u00e9 imm\u00e9diatement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Se fixer des objectifs motivants<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019\u00e9pargne prend tout son sens lorsqu\u2019elle est li\u00e9e \u00e0 un objectif concret.&nbsp;Proposez \u00e0 votre enfant des objectifs simples et atteignables :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00e9conomiser 5 \u20ac pour acheter un livre ;<\/li><li>mettre de c\u00f4t\u00e9 10 \u20ac pour un jeu ou une sortie entre amis...<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019essentiel est qu\u2019il comprenne le lien entre <strong>l\u2019effort d\u2019aujourd\u2019hui<\/strong> et <strong>la r\u00e9compense de demain<\/strong>, tout en gardant une approche positive et motivante.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez aussi lui expliquer votre propre d\u00e9marche d'\u00e9pargne.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple <\/strong>: Votre lave-linge ou t\u00e9l\u00e9vision est en panne ? C'est l'occasion de lui montrer que vous avez mis un peu d'argent de c\u00f4t\u00e9, par <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/lepargne-de-precaution-en-quoi-ca-consiste\/\">pr\u00e9caution<\/a>. Vous allez ainsi pouvoir faire r\u00e9parer ou remplacer votre \u00e9quipement d\u00e9fectueux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple <\/strong>: Vous souhaitez partir en voyage en famille l'\u00e9t\u00e9 prochain ? Vous avez un budget pr\u00e9cis, un montant \u00e0 atteindre... Un tel <strong>projet <\/strong>se pr\u00e9voit financi\u00e8rement, \u00e7a s'anticipe !<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comprendre le r\u00f4le du temps<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En laissant ses \u00e9conomies s\u2019accumuler (par exemple gr\u00e2ce \u00e0 de petites sommes re\u00e7ues r\u00e9guli\u00e8rement), l\u2019enfant d\u00e9couvre progressivement qu\u2019il peut disposer d\u2019un montant plus important.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il comprend alors que <strong>ne pas tout d\u00e9penser tout de suite permet d\u2019acc\u00e9der \u00e0 quelque chose de plus important plus tard<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u23f3Ce temps d\u2019attente est aussi pr\u00e9cieux pour apprendre \u00e0 r\u00e9fl\u00e9chir :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>En ai-je vraiment besoin ?<\/li><li>Combien de temps dois-je \u00e9conomiser ?<\/li><li>Ai-je les moyens de cet achat ?<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il peut ainsi comparer, faire des choix, et parfois m\u00eame d\u00e9cider de reporter ou d\u2019abandonner une d\u00e9pense.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Apprendre \u00e0 faire des choix et r\u00e9sister aux tentations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9pargner, c\u2019est aussi apprendre \u00e0 <strong>faire des arbitrages<\/strong>.&nbsp;En gardant son objectif en t\u00eate, l\u2019enfant d\u00e9veloppe :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>sa patience ;<\/li><li>sa capacit\u00e9 \u00e0 r\u00e9sister aux envies imm\u00e9diates (publicit\u00e9, influence des amis\u2026) ;<\/li><li>son sens des priorit\u00e9s.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Peu \u00e0 peu, il comprend qu\u2019il est possible de trouver un \u00e9quilibre entre <strong>se faire plaisir maintenant<\/strong> et <strong>pr\u00e9parer des projets futurs<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Aborder la notion des int\u00e9r\u00eats<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un <strong>livret d'\u00e9pargne<\/strong> (livret A, livret jeune\u2026), votre enfant d\u00e9couvrira la notion de<strong> s\u00e9curit\u00e9 <\/strong>et m\u00eame la possibilit\u00e9 d'obtenir des revenus ou des<strong> gains, autrement dit la rentabilit\u00e9<\/strong>.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour expliquer le principe des&nbsp;<strong>int\u00e9r\u00eats<\/strong>, donnez lui un exemple simple. S'il place 100 euros sur un compte r\u00e9mun\u00e9r\u00e9 \u00e0 3 % d'int\u00e9r\u00eats, il gagnera de plus en plus chaque ann\u00e9e sans rien faire, comme un bonus :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>3 euros la premi\u00e8re ann\u00e9e (3% de 100 euros).<\/li><li>3,09 euros la deuxi\u00e8me ann\u00e9e (3% de 103 euros)<\/li><li>3,18 euros la troisi\u00e8me ann\u00e9e (3% de 106,09 euros) , etc.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udcb0Dans cet exemple, on voit que les int\u00e9r\u00eats s'appliquent aussi sur les int\u00e9r\u00eats acquis : on appelle \u00e7a la capitalisation des int\u00e9r\u00eats ou int\u00e9r\u00eats compos\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud83d\udca1Si l'enfant a un livret, montrez lui son relev\u00e9 d'\u00e9pargne annuel qui montre les int\u00e9r\u00eats accumul\u00e9s sur l'ann\u00e9e, sans rien faire Ce gain pourra le motiver.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quel produit d'\u00e9pargne pour un mineur ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quand l'enfant est assez grand et mature pour comprendre, vous pouvez lui expliquer les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/epargne-des-enfants\/\" target=\"_blank\" rel=\"noreferrer noopener\">produits d'\u00e9pargne pour mineur<\/a> que vous lui avez ouverts. Livret d'\u00e9pargne, <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/assurance-vie-enfant-petits-enfants\/\">assurance-vie<\/a> par exemple.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Vous choisirez, \u00e0 l'ouverture du <strong>livret<\/strong>, s'il disposera d'une <strong>carte de retrait. <\/strong>Vous pourrez fixer des limites pour les retraits dans les distributeurs.<\/li><li>L'<strong>assurance-vie<\/strong> au nom de l'enfant peut \u00eatre investie sur un fonds en euros pour s\u00e9curiser le capital. Elle permet ainsi de mettre de c\u00f4t\u00e9 de l'argent par exemple pour ses \u00e9tudes.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instaurez ensuite une <strong>routine d'\u00e9pargne<\/strong> : choisissez un moment dans le mois (apr\u00e8s l<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/argent-de-poche\/\" target=\"_blank\" rel=\"noreferrer noopener\">'argent de poche<\/a> par exemple) ou dans l'ann\u00e9e, pour effectuer ensemble un d\u00e9p\u00f4t ou un virement, ponctuel ou r\u00e9gulier. En impliquant votre enfant dans le processus, cela renforce son engagement et sa compr\u00e9hension du m\u00e9canisme bancaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>virement automatique&nbsp; <\/strong>est un bon moyen pour les parents de programmer le versement d'un montant compatible avec votre propre budget familial.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes sur \"\u00c9conomiser, mettre de c\u00f4t\u00e9 : comment apprendre \u00e0 \u00e9pargner ?\"<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Quels sont les synonymes de l'\u00e9pargne ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9conomiser, mettre de c\u00f4t\u00e9, garder de l'argent ou encore constituer sa r\u00e9serve sont autant de fa\u00e7ons d'aborder cette notion. Vous pouvez aussi parler de cagnotte pour des sommes \u00e0 court terme, de tirelire (m\u00eame num\u00e9rique), ou d'avoir des sous en r\u00e9serve. D'autres expressions peuvent enrichir leur vocabulaire : faire des provisions, garder une poire pour la soif, constituer un petit p\u00e9cule ou se faire un matelas de s\u00e9curit\u00e9.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Peut-on apprendre \u00e0 \u00e9pargner de l'argent quand on est d\u00e9pensier ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Votre enfant est plut\u00f4t \"cigale\" ? Il peut tout \u00e0 fait apprendre \u00e0 mettre de l'argent de c\u00f4t\u00e9. La cl\u00e9 r\u00e9side dans une approche progressive et adapt\u00e9e \u00e0 sa personnalit\u00e9. Avec la r\u00e8gle des petits pas,&nbsp; proposez-lui de garder seulement 1 ou 2 euros sur son argent de poche chaque mois. Cette somme modeste ne lui semblera pas contraignante et lui permettra de constater rapidement ses premiers r\u00e9sultats. Vous pouvez aussi le r\u00e9compenser en ajoutant une petite prime quand il atteint certains paliers. Laissez-le choisir lui-m\u00eame le montant qu'il souhaite mettre de c\u00f4t\u00e9, m\u00eame si c'est tr\u00e8s peu au d\u00e9but. Cette autonomie de d\u00e9cision renforce sa motivation et son engagement dans la d\u00e9marche.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Qu'est-ce que la r\u00e8gle des 50\/30\/20 ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La <a rel=\"noreferrer noopener\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/budget-methode-enveloppes\/\" target=\"_blank\">r\u00e8gle des 50\/30\/20<\/a> est une m\u00e9thode de gestion budg\u00e9taire que vous pouvez adapter pour initier votre enfant \u00e0 l'\u00e9pargne de mani\u00e8re structur\u00e9e. Cette approche consiste \u00e0 r\u00e9partir l'argent re\u00e7u (<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/argent-de-poche\/\" target=\"_blank\" rel=\"noreferrer noopener\">argent de poche<\/a>, \u00e9trennes, petits gains) en trois cat\u00e9gories simples : 50 % pour les besoins essentiels (fournitures scolaires, transports), 30 % pour les envies (sorties, loisirs, achats plaisir) et 20 % pour l'\u00e9pargne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concr\u00e8tement, si votre enfant re\u00e7oit 20 euros d'argent de poche par mois, il pourrait garder 4 euros pour son <strong>livret d'\u00e9pargne<\/strong>, d\u00e9penser 6 euros en loisirs et utiliser 10 euros pour ses besoins. Cette r\u00e9partition l'aide \u00e0 visualiser que l'\u00e9pargne fait partie int\u00e9grante de la gestion de son argent, au m\u00eame titre que ses d\u00e9penses courantes.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">En compl\u00e9ment de l'article \"\u00c9conomiser, mettre de c\u00f4t\u00e9 : comment apprendre \u00e0 \u00e9pargner ?\":<\/h4>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"https:\/\/www.oecd.org\/en\/publications\/pisa-2022-results-volume-iv_5a849c2a-en.html\">Site de l'OCDE - R\u00e9sultats enqu\u00eate PISA 2022 Vol IV<\/a><\/li><\/ul>\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 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