{"id":69,"date":"2025-04-05T00:00:00","date_gmt":"2025-04-04T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2020\/10\/05\/maitriser-mon-budget\/"},"modified":"2026-03-05T17:37:50","modified_gmt":"2026-03-05T15:37:50","slug":"guide-maitriser-mon-budget","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/","title":{"rendered":"Ma\u00eetriser mon budget"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">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 \u00e9viter les fins de mois difficiles. Cela permet de prendre conscience des d\u00e9penses r\u00e9alis\u00e9es et de trouver des pistes pour am\u00e9liorer la situation. Vous trouverez dans ce guide des rep\u00e8res pour mieux g\u00e9rer votre argent au quotidien.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-image\"><figure data-wp-interactive=\"cdb\/lightbox\" class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" aria-haspopup=\"dialog\" data-wp-on--click=\"actions.open\" data-wp-on--keydown=\"actions.key\" role=\"button\" tabindex=\"0\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1.png\" alt=\"\" class=\"wp-image-35359\" width=\"322\" height=\"501\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1.png 644w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1-193x300.png 193w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1-51x80.png 51w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1-302x470.png 302w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1-161x250.png 161w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1-32x50.png 32w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Vignette-HS-Budget-25-1-550x855.png 550w\" sizes=\"auto, (max-width: 322px) 100vw, 322px\" \/><\/figure><\/div>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Guide-HS-Maitriser-mon-budget<\/p><p class=\"postAttachment__fileSize\">466,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Guide-HS-Maitriser-mon-budget&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Guide-HS-Maitriser-mon-budget\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Guide-HS-Maitriser-mon-budget.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Guide-HS-Maitriser-mon-budget<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\">Qu\u2019est-ce qu\u2019un budget ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e9rer un budget, c\u2019est le fait de noter chaque mois, par exemple sur un tableau, toutes <strong>vos pr\u00e9visions de<\/strong> :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ressources<\/strong> :<br><strong>C\u2019est l\u2019argent sur lequel vous pouvez compter chaque mois pour payer vos d\u00e9penses et \u00e9pargner.<\/strong> Si vous \u00eates salari\u00e9 ou retrait\u00e9, les <strong>revenus<\/strong> ou pensions sont le plus souvent de m\u00eame montant, r\u00e9guliers et vers\u00e9s \u00e0 une date programm\u00e9e, ce qui permet de mieux planifier ou organiser vos d\u00e9penses, votre \u00e9pargne.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous pouvez \u00e9galement disposer de <strong>ressources compl\u00e9mentaires<\/strong>, par exemple des prestations sociales, des revenus locatifs D\u2019autres revenus sont en revanche moins s\u00fbrs et irr\u00e9guliers : <strong>prime, int\u00e9ressement, dividendes<\/strong>\u2026 Et vous ne pouvez pas compter dessus pour payer vos charges.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>D\u00e9penses<\/strong> :<br><strong>C\u2019est l\u2019ensemble de ce que vous payez dans le mois.<\/strong> On distingue g\u00e9n\u00e9ralement 3 types de d\u00e9penses :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>D\u00e9penses fixes non compressibles ou tr\u00e8s difficilement<\/li><li>D\u00e9penses courantes variables, et compressibles<\/li><li>D\u00e9penses occasionnelles facultatives<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9penses fixes et les d\u00e9penses courantes sont des d\u00e9penses incontournables car elles correspondent \u00e0 une n\u00e9cessit\u00e9 et sont donc obligatoires. Le montant de certaines d\u2019entre elles peut cependant \u00eatre r\u00e9duit (voir les fiches n\u00b05, 6 et 8). La diff\u00e9rence entre vos ressources et vos d\u00e9penses, c\u2019est le solde, autrement dit le montant qu\u2019il vous reste d\u2019argent disponible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi ma\u00eetriser mon budget ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Maitriser son budget est utile \u00e0 tous, peu importe le niveau de revenus. Loin d\u2019\u00eatre une contrainte, c\u2019est une opportunit\u00e9 de mieux g\u00e9rer ses finances personnelles, en fonction de ses besoins et de ses envies. Votre situation personnelle, professionnelle et vos priorit\u00e9s peuvent \u00e9voluer. Tenir son budget est un exercice r\u00e9gulier qui n\u00e9cessite de l\u2019adaptation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Si vos d\u00e9penses sont sup\u00e9rieures \u00e0 vos ressources\u2026<\/strong><br>Ce qui vous reste \u00e0 la fin du mois peut \u00eatre mis de c\u00f4t\u00e9 pour financer un projet ou pour faire face \u00e0 un impr\u00e9vu.<br><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Ne pas d\u00e9penser toutes ses ressources permet d\u2019\u00e9pargner.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Si vos d\u00e9penses sont sup\u00e9rieures \u00e0 vos ressources\u2026<\/strong><br>Si vous d\u00e9pensez plus d\u2019argent dans le mois que vous n\u2019en gagnez, vous aller devoir r\u00e9duire vos d\u00e9penses, puiser dans votre \u00e9pargne et\/ou vous endetter. Sans quoi, vous risquez de ne pas pouvoir payer certaines factures\u2026<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019existe pas de droit au cr\u00e9dit. Si votre banque, au regard de votre situation, ne peut pas vous accorder d\u2019autorisation de d\u00e9couvert (ou l\u2019augmenter), elle rejettera les paiements qui se pr\u00e9senteront (ch\u00e8ques, pr\u00e9l\u00e8vements\u2026). Ceci entra\u00eenera des incidents de paiement, des interdictions de ch\u00e9quier et\/ou de carte, et des frais\u2026 alors que vos revenus ne suffisent d\u00e9j\u00e0 pas \u00e0 couvrir vos charges. Un r\u00e9tablissement rapide de l\u2019\u00e9quilibre de votre budget est n\u00e9cessaire.<br><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Plus de d\u00e9penses que de ressources entraine des dettes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pourquoi est-il difficile de moins d\u00e9penser ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le monde actuel nous encourage souvent \u00e0 consommer. La publicit\u00e9, la mode, les tendances\u2026 tout cela cr\u00e9e de la tentation, dans une vie parfois difficile\u2026 S\u2019accorder des plaisirs est aussi un besoin l\u00e9gitime. Ainsi, les \u00ab bonnes raisons \u00bb de d\u00e9penser ne manquent pas\u2026 Et ces incitations ne tiennent g\u00e9n\u00e9ralement pas compte de nos moyens financiers. C\u2019est pourquoi, nous devons rester vigilants afin de <strong>garder le contr\u00f4le de la situation.<\/strong><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">R\u00e9sister \u00e0 la tentation ne signifie pas se priver de tout. Au contraire, une consommation raisonn\u00e9e permet de faire des \u00e9conomies l\u00e0 o\u00f9 c\u2019est possible, pour mieux satisfaire ses besoins prioritaires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Comment g\u00e9rer mon budget ?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Identifier toutes les ressources et les d\u00e9penses<\/strong> :<br>Pour g\u00e9rer votre budget, vous devez commencer par identifier toutes les ressources ou revenus afin de d\u00e9terminer le montant total mensuel sur lequel vous pouvez compter. Prenez votre temps pour ne rien oublier : vous pouvez vous servir de votre relev\u00e9 de compte (colonne cr\u00e9dit) ou votre application de banque \u00e0 distance.<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, faites la liste de vos d\u00e9penses fixes, courantes et occasionnelles en les regroupant par th\u00e8me : logement, assurance, remboursement des cr\u00e9dits, enfants, transports, animaux domestiques, sant\u00e9 et soins, loisirs\u2026 Vous pouvez vous servir \u00e9galement de votre relev\u00e9 de compte (colonne d\u00e9bit) et de votre application bancaire mais aussi de votre talon de ch\u00e9quier, de vos facturettes de carte bancaire et de tout justificatif qui pourrait vous \u00eatre utile.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c9tablir des pr\u00e9visions et v\u00e9rifier leur r\u00e9alisation<\/strong> :<br>Vous pouvez \u00e9tablir vos pr\u00e9visions et v\u00e9rifier leur r\u00e9alisation \u00e0 l\u2019aide du tableau propos\u00e9 pages 22 et 23 de ce guide. Vos pr\u00e9visions doivent \u00eatre raisonnables : ni trop optimistes, ni trop pessimistes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Ajuster et anticiper<\/strong> :<br><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>L\u2019analyse de votre budget permet de r\u00e9aliser des simulations de vos d\u00e9penses en fonction de vos ressources, d\u2019en mesurer les cons\u00e9quences, de corriger si besoin pour arriver \u00e0 un \u00e9quilibre satisfaisant.<\/li><li>L\u2019insuffisance de ressources, surtout si elle est structurelle (et non ponctuelle), pourra servir de base de dialogue avec un service social ou une association susceptible de vous venir en aide.<\/li><li>Anticipez votre budget chaque mois pour le mois suivant vous permettra de prendre des dispositions en temps utile.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Pilote budget &amp; Pilote d\u00e9penses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilote Budget<\/strong> permet de mieux conna\u00eetre et ma\u00eetriser votre budget en calculant, sur une base mensuelle, le montant disponible pour vos d\u00e9penses du quotidien, une fois vos charges obligatoires pay\u00e9es.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur IOS :<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-medium is-resized\"><a href=\"https:\/\/apps.apple.com\/fr\/app\/pilote-budget\/id1335367675\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-300x300.png\" alt=\"QR Code menant \u00e0 l'application Pilote Budget dans l'App Store.\" class=\"wp-image-35370\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-300x300.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-1024x1024.png 1024w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-150x150.png 150w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-768x768.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-278x280.png 278w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-180x180.png 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-80x80.png 80w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-470x470.png 470w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-250x250.png 250w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-50x50.png 50w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS-550x550.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-IOS.png 1147w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sur Android :<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-medium is-resized\"><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.theschoolab.pilotebudget&amp;hl=fr\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-300x300.png\" alt=\"QR Code menant \u00e0 l'application Pilote Budget dans Google Play.\" class=\"wp-image-35371\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-300x300.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-1024x1024.png 1024w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-150x150.png 150w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-768x768.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-278x280.png 278w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-180x180.png 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-80x80.png 80w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-470x470.png 470w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-250x250.png 250w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-50x50.png 50w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID-550x550.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-BUDGET-ANDROID.png 1148w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Pilote D\u00e9penses<\/strong> permet de conna\u00eetre \u00e0 tout moment la somme r\u00e9ellement disponible au fur et \u00e0 mesure de vos d\u00e9penses, y compris en liquide. Pratique aussi pour identifier les d\u00e9penses qui vous co\u00fbtent le plus cher, celles que vous pouvez r\u00e9duire\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sur IOS :<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-medium is-resized\"><a href=\"https:\/\/apps.apple.com\/fr\/app\/pilote-d%C3%A9penses\/id1539944350\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-300x300.png\" alt=\"QR Code menant \u00e0 l'application Pilote D\u00e9penses dans l'App Store.\" class=\"wp-image-35372\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-300x300.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-1024x1024.png 1024w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-150x150.png 150w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-768x768.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-278x280.png 278w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-180x180.png 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-80x80.png 80w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-470x470.png 470w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-250x250.png 250w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-50x50.png 50w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS-550x550.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-IOS.png 1148w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Sur Android :<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-medium is-resized\"><a href=\"https:\/\/play.google.com\/store\/search?q=pilote%20d%C3%A9pense&amp;c=apps&amp;hl=fr\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-300x300.png\" alt=\"QR Code menant \u00e0 l'application Pilote D\u00e9penses dans Google Play.\" class=\"wp-image-35373\" width=\"150\" height=\"150\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-300x300.png 300w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-1024x1024.png 1024w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-150x150.png 150w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-768x768.png 768w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-278x280.png 278w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-180x180.png 180w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-80x80.png 80w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-470x470.png 470w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-250x250.png 250w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-50x50.png 50w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID-550x550.png 550w, https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/PILOTE-DEPENSES-ANDROID.png 1148w\" sizes=\"auto, (max-width: 150px) 100vw, 150px\" \/><\/a><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Applications multi partenaires publics, priv\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><br>Lire la suite du guide \"Ma\u00eetriser mon budget\" :<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>G\u00c9RER MON BUDGET<\/strong><br>Qu\u2019est-ce qu\u2019un budget ?<br>Pourquoi ma\u00eetriser mon budget ?<br>Pourquoi est-il difficile de moins d\u00e9penser ?<br>Comment g\u00e9rer mon budget ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>QUE FAIRE EN CAS DE DIFFICULT\u00c9S ?<\/strong><br>R\u00e9agir au plut t\u00f4t<br>\u00c0 qui s\u2019adresser ?<br>C\u00f4t\u00e9 banque<br>Mon budget mensuel<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>FICHES PRATIQUES<\/strong><br>N\u00b01 Revenu principal<br>N\u00b02 Autres ressources<br>N\u00b03 Remboursement des cr\u00e9dits<br>N\u00b04 Habitation<br>N\u00b05 \u00c9lectricit\u00e9, gaz, eau<br>N\u00b06 Assurances<br>N\u00b07 Imp\u00f4ts<br>N\u00b08 T\u00e9l\u00e9phone, Internet, t\u00e9l\u00e9vision, streaming\u2026<br>N\u00b09 Alimentation et d\u00e9penses de la maison<br>N\u00b010 Sant\u00e9 et soins du corps<br>N\u00b011 Enfants<br>N\u00b012 V\u00e9hicule et transports<br>N\u00b013 \u00c9quipement de la maison et petits travaux<br>N\u00b014 Loisirs, sorties et vacances<br>N\u00b015 Animaux<br>N\u00b016 Cadeaux et dons (que vous faites)<br>N\u00b017 \u00c9pargne et placements<br>N\u00b018 Justice<\/p>\n\n\n\n<div class=\"wp-block-buttons aligncenter is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link\" href=\"https:\/\/fr.calameo.com\/read\/002024705deaed5a5f93d\" target=\"_blank\" rel=\"noreferrer noopener\">Feuilleter le guide<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\"><strong>Vous \u00eates travailleur social ? <\/strong>Nous vous proposons ce flyer (\u00e0 imprimer par vos soins) pour remettre aux publics que vous accompagnez. Il pr\u00e9sente rapidement le sujet et contient un QR code permettant d'aller consulter le guide en ligne.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Flyer-Budget<\/p><p class=\"postAttachment__fileSize\">3,3 Mo<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Flyer-Budget&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Flyer-Budget\" href=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2025\/05\/Flyer-Budget.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Flyer-Budget<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En compl\u00e9ment : <\/strong><br><a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/mon-1er-budget-simplement-et-sereinement\/https:\/\/www.lesclesdelabanque.com\/particulier\/mon-1er-budget-simplement-et-sereinement\/\" target=\"_blank\" rel=\"noreferrer noopener\">C'est votre premier budget ? Notre module interactif est l\u00e0 pour vous aider \u00e0 vous lancer !<\/a><\/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\" data-wp-context=\"{&quot;perView&quot;:4,&quot;perViewTablet&quot;:2,&quot;perViewMobile&quot;:1,&quot;scroll&quot;:1,&quot;loop&quot;:true}\" data-wp-init=\"callbacks.init\"><div class=\"carousel__cards cards\" data-carousel-track><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;:734,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/adapter-le-budget-a-vos-projets\/&quot;,&quot;title&quot;:&quot;Adapter le budget \u00e0 vos projets&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/budget-projet-_BD-150x150.jpg&quot;,&quot;likes&quot;:6}\"\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=\"734\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/adapter-le-budget-a-vos-projets\/\"\n         data-title=\"Adapter le budget \u00e0 vos projets\">\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\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/adapter-le-budget-a-vos-projets\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/budget-projet-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/budget-projet-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/budget-projet-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/budget-projet-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Au quotidien<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Adapter le budget \u00e0 vos projets<\/span>\n                <\/h3>\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;:328,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/&quot;,&quot;title&quot;:&quot;Anticiper une baisse de revenus et r\u00e9agir&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD-150x150.jpg&quot;,&quot;likes&quot;:12}\"\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=\"328\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/\"\n         data-title=\"Anticiper une baisse de revenus et r\u00e9agir\">\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\">3 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/anticiper-baisse-revenus-_BD.jpg\" alt=\"\" class=\"card__backgroundImg\" loading=\"lazy\" \/>\n        <\/picture>\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">En cas de difficult\u00e9s<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Anticiper une baisse de revenus et r\u00e9agir<\/span>\n                <\/h3>\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 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data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilote-depenses-pour-suivre-ses-depenses-du-quotidien\/\"\n         data-title=\"Pilote D\u00e9penses : une application pour suivre ses d\u00e9penses\">\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                    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             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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilote-depenses-pour-suivre-ses-depenses-du-quotidien\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2022\/12\/PiloteDepenses-290x400.jpg\">\n                     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suivre ses d\u00e9penses<\/span>\n                <\/h3>\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;:398,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/&quot;,&quot;title&quot;:&quot;Pilote Budget : une application pour mieux piloter votre budget&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-150x150.jpg&quot;,&quot;likes&quot;:51}\"\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\" 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pour g\u00e9rer mon compte bancaire\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\">\n                10 cl\u00e9s pour g\u00e9rer mon compte bancaire            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Pour g\u00e9rer au mieux votre compte bancaire et ainsi \u00e9viter les incidents, quelques r\u00e8gles simples s&#039;imposent. En agence ou \u00e0 distance, votre banquier est disponible pour r\u00e9pondre...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:305,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/&quot;,&quot;title&quot;:&quot;Le droit au compte&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:81}\"\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=\"305\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\"\n         data-title=\"Le droit au compte\">\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\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le droit au compte\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-droit-au-compte\/\">\n                Le droit au compte            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">En France, plus de 99% de la population poss\u00e8de au moins un compte bancaire. Et parce que tout le monde a besoin d\u2019avoir un compte bancaire pour percevoir un salaire, payer...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication publication--extract\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:499,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/&quot;,&quot;title&quot;:&quot;Que devient l\\u0027argent des comptes inactifs ?&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:35}\"\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=\"499\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\"\n         data-title=\"Que devient l&#039;argent des comptes inactifs ?\">\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\">&lt; 1 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Que devient l&#039;argent des comptes inactifs ?\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/que-devient-largent-des-comptes-inactifs\/\">\n                Que devient l&#039;argent des comptes inactifs ?            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Ce mini-guide explique comment des comptes deviennent inactifs et ce que devient l\u2019argent d\u00e9pos\u00e9 sur ces comptes.Depuis janvier 2016, avec la loi dite \u00ab Eckert \u00bb, les d\u00e9marches...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <article class=\"publication\" style=\"background-color: #f9ae41\">\n    <header class=\"publication__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:84,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/&quot;,&quot;title&quot;:&quot;Le compte joint&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:56}\"\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=\"84\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/\"\n         data-title=\"Le compte joint\">\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\">3 Min<\/p>\n            <\/header>\n    <div class=\"publication__content\">\n        <p class=\"publication__type\">Guides bancaires<\/p>\n        <h3 class=\"publication__title\">\n            <a class=\"publication__link\" data-title=\"Le compte joint\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/compte-joint\/\">\n                Le compte joint            <\/a>\n        <\/h3>\n        <p class=\"publication__extract\">Le compte joint est ouvert par 2 personnes ou plus (cotitulaires) pour faciliter la gestion des d\u00e9penses communes. Il est souvent utilis\u00e9 par des couples (concubins, pacs\u00e9s,...<\/p>\n    <\/div>\n    <footer class=\"publication__footer\"><svg class=\"publication__icon publication__icon--cdb\"><use href=\"#cdb\" xlink:href=\"#cdb\"\/><\/svg><\/footer>\n<\/article>\n        <\/div><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>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 \u00e9viter les fins de mois difficiles. Cela permet de prendre conscience des d\u00e9penses r\u00e9alis\u00e9es et de trouver des pistes pour am\u00e9liorer la situation. Vous trouverez dans ce guide des rep\u00e8res [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":116,"views":154014,"viewed_at":"1778495615","newsletter":"0","_yoast_wpseo_primary_category":32,"footnotes":""},"categories":[6,32,4,275],"tags":[],"class_list":["post-69","post","type-post","status-publish","format-standard","hentry","category-guides-bancaires","category-hors-serie","category-boite-a-outils","category-mon-budget"],"yoast_head":"<title>Ma\u00eetriser mon budget - Hors-s\u00e9rie - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Si tenir son budget peut sembler fastidieux , c&#039;est pourtant particuli\u00e8rement utile pour \u00e9viter les fins de mois difficiles.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ma\u00eetriser mon budget - 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