{"id":741,"date":"2021-04-27T00:00:00","date_gmt":"2021-04-26T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/27\/quest-ce-quun-budget\/"},"modified":"2025-03-21T19:41:39","modified_gmt":"2025-03-21T17:41:39","slug":"quest-ce-quun-budget","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/quest-ce-quun-budget\/","title":{"rendered":"Qu'est-ce qu'un budget ?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Votre budget pr\u00e9sente l'ensemble de vos ressources et de vos d\u00e9penses. Le pr\u00e9par<\/strong>er<strong> \u00e0 l'avance pour le mois \u00e0 venir, c'est \u00e9viter de manquer vos ressources en cas de besoin. <\/strong>C'est certes un exercice difficile si vous avez peu de ressources mais c'est justement dans ce cas qu'il est indispensable de le faire.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Les ressources et les d\u00e9penses<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Les ressources, c'est l'argent sur lequel vous pouvez compter pour payer vos d\u00e9penses mensuelles. Ne constitue pas une ressource <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/apprendre-a-mettre-de-largent-de-cote\/\" target=\"_blank\" rel=\"noreferrer noopener\">l'argent mis de c\u00f4t\u00e9<\/a> sur un livret d'\u00e9pargne, sur votre compte \u00e0 d\u00e9couvert ou sur une carte de cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les d\u00e9penses, c'est tout que vous payez dans le mois, elles peuvent \u00eatre :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>fixes ou difficilement compressibles (habitation, assurances, etc.) , beaucoup peuvent \u00eatre mensualis\u00e9es pour \u00e9viter les \u00e0-coups<\/li><li>variables ou compressibles (alimentation, \u00e9lectricit\u00e9, gaz, eau, etc.)<\/li><li>occasionnelles ou facultatives (cadeaux, Loisirs, etc.).<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e9voyez \u00e0 l'avance au maximum (par exemple si vous avez opt\u00e9 pour le paiement mensuel de votre assurance, vous pouvez d\u00e9j\u00e0 inscrire la somme \u00e0 payer dans les tableaux des mois \u00e0 venir).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Ce qui reste en fin de mois<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C'est la diff\u00e9rence entre vos ressources et vos d\u00e9penses :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>si vous avez plus de ressources, il vous reste de l'argent en fin de mois que vous pouvez mettre de c\u00f4t\u00e9.<\/li><li>si vous avez plus de d\u00e9penses, vous devez prendre rapidement des mesures pour r\u00e9tablir la situation. Il peut \u00eatre utile de vous faire conseiller sur la nature des mesures \u00e0 prendre.<\/li><\/ul>\n\n\n<div class=\"youtube-container\" data-wp-interactive=\"cdb\/video-consent\" data-wp-context=\"{&quot;loaded&quot;:false}\" data-wp-init=\"callbacks.init\">\n<figure class=\"wp-block-embed-youtube aligncenter wp-block-embed is-type-video is-provider-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe data-src=\"https:\/\/www.youtube.com\/embed\/HGFDp3WpzD4?feature=oembed\" data-wp-watch=\"callbacks.syncIframe\" loading=\"lazy\" title=\"Le saviez-vous ? G\u00e9rer son budget c&amp;apos;est utile et on a tous une bonne raison de le faire !\" width=\"500\" height=\"281\"  frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<div class=\"video-consent-overlay\" data-wp-watch=\"callbacks.syncOverlay\"><div class=\"video-consent-overlay-text\">Vous devez accepter les cookies de YouTube pour visionner cette vid\u00e9o<\/div><button type=\"button\" class=\"video-consent-overlay-accept-button\" data-wp-on--click=\"actions.accept\">J&#039;accepte - Lancer la vid\u00e9o<\/button><\/div><\/div>\n\n\n<div style=\"height:63px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"titleWithShadowText\">\n    <div class=\"titleWithShadowText__inner\">\n                <div class=\"titleWithShadowText__wrapper\">\n            <svg 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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;: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\" 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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>Votre budget pr\u00e9sente l'ensemble de vos ressources et de vos d\u00e9penses. Le pr\u00e9parer \u00e0 l'avance pour le mois \u00e0 venir, c'est \u00e9viter de manquer vos ressources en cas de besoin. C'est certes un exercice difficile si vous avez peu de ressources mais c'est justement dans ce cas qu'il est indispensable de le faire. Les ressources [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":1,"views":7812,"viewed_at":"1778489495","newsletter":"0","_yoast_wpseo_primary_category":146,"footnotes":""},"categories":[146,270,275],"tags":[],"class_list":["post-741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-au-quotidien","category-mes-moments-de-vie","category-mon-budget"],"yoast_head":"<title>Qu&#039;est-ce qu&#039;un budget ? - Au quotidien - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Votre budget pr\u00e9sente l&#039;ensemble de vos ressources et de vos d\u00e9penses. 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