{"id":750,"date":"2026-05-12T00:00:00","date_gmt":"2026-05-11T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/27\/comment-etablir-votre-budget\/"},"modified":"2026-05-12T16:38:21","modified_gmt":"2026-05-12T14:38:21","slug":"comment-etablir-votre-budget","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/comment-etablir-votre-budget\/","title":{"rendered":"Comment \u00e9tablir votre budget ?"},"content":{"rendered":"\n<h2 class=\"has-normal-font-size wp-block-heading\">G\u00e9rer son budget peut sembler fastidieux, mais c'est un exercice essentiel pour pr\u00e9server votre sant\u00e9 financi\u00e8re et \u00e9viter les fins de mois difficiles. Cet article vous explique comment identifier vos ressources et vos d\u00e9penses, \u00e9tablir un budget mensuel r\u00e9aliste, et utiliser les bons outils pour piloter vos finances au quotidien.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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<h3 class=\"wp-block-heading\">Identifier vos ressources et vos d\u00e9penses<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9tablir un budget vous aide \u00e0 voir clair dans vos finances. Pour cela, vous devez faire le point sur l'argent qui entre et celui qui sort de votre compte chaque mois. C'est la base pour piloter votre budget sereinement.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Lister toutes vos sources de revenus<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Commencez par identifier l'ensemble des ressources qui alimentent votre budget mensuel. Prenez votre relev\u00e9 de compte et notez tous les revenus : salaires, pensions, allocations familiales, aides au logement (APL), prestations de la CAF, revenus locatifs ou toute autre rentr\u00e9e d'argent r\u00e9guli\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9terminez le montant total sur lequel vous pouvez compter chaque mois. Cette vision claire de vos ressources vous permettra ensuite de r\u00e9partir vos d\u00e9penses en cons\u00e9quence.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Vous souhaitez cr\u00e9er votre 1er budget simplement et sereinement ? <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/premier-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">Voici notre module<\/a> !<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Cat\u00e9goriser vos d\u00e9penses fixes et courantes<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Listez maintenant toutes vos d\u00e9penses en reprenant vos relev\u00e9s bancaires, vos factures et justificatifs. Pour y voir plus clair, distinguez :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>les d\u00e9penses fixes (loyer, assurances, abonnements, remboursements de cr\u00e9dits, imp\u00f4ts)<\/li><li>des&nbsp;d\u00e9penses courantes ou variables (alimentation, transports, sant\u00e9, loisirs, v\u00eatements).<\/li><\/ul>\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\">Regroupez-les ensuite par th\u00e8me : habitation, enfants, charges, \u00e9pargne, etc. Cette cat\u00e9gorisation vous aidera \u00e0 rep\u00e9rer rapidement les postes les plus lourds et \u00e0 identifier o\u00f9 des ajustements sont possibles.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tablir un budget pr\u00e9visionnel mensuel et l'ajuster<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Pr\u00e9voir les recettes et les d\u00e9penses mois par mois<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Le premier mois, \u00e9tablissez vos pr\u00e9visions pour le mois suivant en deux temps.<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>Commencez par estimer toutes vos rentr\u00e9es d'argent dans les rubriques \u00ab Recettes \u00bb (salaire, allocations, revenus divers) et calculez le total.<\/li><li>Ensuite, listez vos sorties d'argent dans les diff\u00e9rentes rubriques \u00ab D\u00e9penses \u00bb (logement, alimentation, transports, loisirs, remboursements de cr\u00e9dits, \u00e9pargne...) et faites le total.<\/li><li>Vous pouvez ajuster la r\u00e9partition et le volume de vos d\u00e9penses pour parvenir \u00e0 une situation r\u00e9alisable et \u00e9viter le d\u00e9couvert.<\/li><li>Le mois suivant, notez en face de chaque pr\u00e9vision le montant r\u00e9ellement per\u00e7u ou d\u00e9pens\u00e9.<\/li><\/ol>\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\">Cette confrontation entre pr\u00e9visions et r\u00e9alit\u00e9 constitue la base de votre budget pr\u00e9visionnel. R\u00e9p\u00e9tez cette d\u00e9marche chaque mois pour affiner progressivement vos estimations.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Analyser les \u00e9carts et adapter son budget<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Analysez les \u00e9carts entre ce que vous aviez pr\u00e9vu et ce qui s'est r\u00e9ellement pass\u00e9, tant dans les recettes que dans les d\u00e9penses. Ces diff\u00e9rences vous permettent d'ajuster vos comportements, de prioriser certaines d\u00e9penses et de mettre de l'argent de c\u00f4t\u00e9 plus efficacement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous gardez ainsi un \u00e9quilibre satisfaisant pour votre budget et vous vous pr\u00e9parez mieux face aux impr\u00e9vus. Pensez aussi \u00e0 <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/anticiper-les-baisses-de-revenus-et-reagir\/\">anticiper les baisses de revenus<\/a> pour pouvoir r\u00e9agir rapidement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En cas de difficult\u00e9s persistantes, contactez un service social ou une association susceptible de vous venir en aide, notamment dans le cadre d'un Point Conseil Budget.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">La r\u00e8gle des 50\/30\/20 pour bien g\u00e9rer son budget<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e8gle des 50\/30\/20 est une m\u00e9thode simple pour r\u00e9partir votre revenu net mensuel en trois grandes cat\u00e9gories. Elle consiste \u00e0 allouer 50 % aux besoins essentiels (loyer, alimentation, transports, assurances, factures d'\u00e9lectricit\u00e9), 30 % aux d\u00e9penses variables li\u00e9es aux envies et loisirs (sorties, abonnements, shopping), et 20 % \u00e0 l'\u00e9pargne ou au remboursement de vos cr\u00e9dits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Concr\u00e8tement, si vous percevez 2 000 \u20ac nets par mois, vous consacreriez environ 1 000 \u20ac aux besoins essentiels, 600 \u20ac \u00e0 vos envies, et 400 \u20ac \u00e0 l'\u00e9pargne. Cette r\u00e9partition offre un cadre de d\u00e9part clair, mais reste adaptable selon votre situation personnelle (charges de logement \u00e9lev\u00e9es, dettes importantes, etc.).<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Cat\u00e9gorie<\/th><th>Part du revenu<\/th><th>Exemple pour 2 000 \u20ac nets<\/th><\/tr><\/thead><tbody><tr><td>Besoins essentiels<\/td><td>50 %<\/td><td>1 000 \u20ac<\/td><\/tr><tr><td>Envies et loisirs<\/td><td>30 %<\/td><td>600 \u20ac<\/td><\/tr><tr><td>\u00c9pargne et remboursement de dettes<\/td><td>20 %<\/td><td>400 \u20ac<\/td><\/tr><\/tbody><\/table><\/figure>\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\">Cette m\u00e9thode vous permet de visualiser rapidement o\u00f9 va votre argent et d'identifier les ajustements n\u00e9cessaires pour retrouver un \u00e9quilibre budg\u00e9taire satisfaisant.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Calcul du budget personnel ou familial : Les outils pour faire votre budget : tableau Excel et applications<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">R\u00e9ussir son budget repose sur une r\u00e8gle simple : <strong>Revenus - D\u00e9penses = Reste \u00e0 vivre.<\/strong> Pour y voir clair, un des outils les plus simple \u00e0 tenir et le plus visuel c'est le tableau.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Tableau mensuel : feuille, tableur, application...<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour mettre en place votre budget, plusieurs solutions s'offrent \u00e0 vous, du plus simple au plus \u00e9labor\u00e9. Vous pouvez opter pour un fichier Excel ou un tableur en ligne (comme Google Sheets) : de nombreux mod\u00e8les gratuits existent, pr\u00eats \u00e0 l'emploi :&nbsp;<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/budget-familial\/\">Utilisez notre budget.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ils vous permettent de lister vos revenus, vos d\u00e9penses par cat\u00e9gorie et de calculer automatiquement votre solde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous pr\u00e9f\u00e9rez une approche mobile et simplifi\u00e9e, les applications d\u00e9di\u00e9es facilitent le suivi au quotidien. <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">L'appli Pilote Budget<\/a> vous guide pas \u00e0 pas pour renseigner vos op\u00e9rations, avec des cat\u00e9gories pr\u00e9d\u00e9finies et un stockage s\u00e9curis\u00e9 sur votre t\u00e9l\u00e9phone.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D'autres applications permettent aussi de synchroniser vos comptes bancaires pour importer automatiquement vos relev\u00e9s bancaires et cat\u00e9goriser vos d\u00e9penses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le carnet : Une m\u00e9thode classique mais efficace pour noter chaque d\u00e9pense et rester ma\u00eetre de ses achats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quelle que soit la solution choisie, l'essentiel reste la r\u00e9gularit\u00e9 : pensez \u00e0 mettre \u00e0 jour vos donn\u00e9es chaque mois, voire \u00e0 param\u00e9trer des virements automatiques vers votre \u00e9pargne pour faciliter la mise en place de bonnes habitudes financi\u00e8res.<\/p>\n\n\n\n<p class=\"has-common-insert-grey-background-color has-background wp-block-paragraph\">Pour aller plus loin : consultez notre guide \"<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ma\u00eetriser mon budget<\/a>\" et \"<a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-mon-argent-je-gere\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jeunes : Mon argent ? Je g\u00e8re<\/a>\".<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Exemple de budget<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Besoin d'un exemple ? <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/budget-familial\/\">Utilisez notre budget.<\/a><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Postes de budget<\/th><th>Exemples<\/th><th>Montant mensuel<\/th><\/tr><\/thead><tbody><tr><td><strong>Revenus<\/strong><\/td><td>Salaires, aides (CAF), pensions<\/td><td>+ 2 100 \u20ac<\/td><\/tr><tr><td><strong>Charges Fixes<\/strong><\/td><td>Loyer, \u00e9lectricit\u00e9, internet, assurances<\/td><td>- 950 \u20ac<\/td><\/tr><tr><td><strong>Charges Variables<\/strong><\/td><td>Alimentation, transports, sant\u00e9<\/td><td>- 600 \u20ac<\/td><\/tr><tr><td><strong>Loisirs \/ Impr\u00e9vus<\/strong><\/td><td>Sorties, cadeaux, r\u00e9parations<\/td><td>- 250 \u20ac<\/td><\/tr><tr><td><strong>TOTAL (Reste \u00e0 vivre)<\/strong><\/td><td><strong>Somme disponible pour l'\u00e9pargne ou l'investissement<\/strong><\/td><td><strong>= 300 \u20ac<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Questions fr\u00e9quentes sur le budget<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">Comment faire ses comptes au quotidien ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour faire vos comptes au quotidien, il est recommand\u00e9 de noter chaque d\u00e9pense d\u00e8s qu'elle est effectu\u00e9e, que ce soit en magasin, en ligne ou par abonnement. Vous pouvez utiliser un carnet, un tableur simple ou votre application bancaire pour suivre vos achats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consultez r\u00e9guli\u00e8rement votre relev\u00e9 de compte (au moins une fois par semaine) pour v\u00e9rifier que toutes les op\u00e9rations sont correctes et comparer vos d\u00e9penses r\u00e9elles avec vos pr\u00e9visions budg\u00e9taires. Cette routine vous permet d'identifier rapidement les \u00e9carts et d'ajuster vos habitudes pour rester dans votre objectif financier.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Quels sont les 3 types de budget ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">On distingue principalement trois types de budget : le budget personnel, qui concerne les finances d'une seule personne (revenus, d\u00e9penses individuelles, \u00e9pargne), le budget familial, qui englobe l'ensemble des ressources et charges du foyer (logement, alimentation, enfants, abonnements divers), et le budget pr\u00e9visionnel, qui estime \u00e0 l'avance les revenus et d\u00e9penses \u00e0 venir pour anticiper les besoins et \u00e9viter les d\u00e9s\u00e9quilibres. Chacun r\u00e9pond \u00e0 des objectifs sp\u00e9cifiques et peut \u00eatre adapt\u00e9 selon votre situation personnelle et vos projets \u00e0 long terme.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Comment faire un budget annuel ?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pour \u00e9tablir un budget annuel, commencez par reprendre votre budget mensuel et multipliez-le par douze. Ajoutez ensuite les d\u00e9penses exceptionnelles qui surviennent une ou deux fois par an : vacances, imp\u00f4ts, assurances, r\u00e9vision de la voiture, fournitures scolaires, cadeaux de fin d'ann\u00e9e, etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cette vision sur le long terme vous aide \u00e0 lisser ces charges importantes en mettant de c\u00f4t\u00e9 chaque mois une somme d\u00e9di\u00e9e, plut\u00f4t que d'\u00eatre pris au d\u00e9pourvu. R\u00e9visez ce budget annuel r\u00e9guli\u00e8rement pour tenir compte des changements dans votre vie.<\/p>\n\n\n\n<p class=\"has-fbf-black-color has-common-insert-grey-background-color has-text-color has-background wp-block-paragraph\">Vous partez en vacances ? Voici <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/budget-vacances-calcul\/\" target=\"_blank\" rel=\"noreferrer noopener\">une calculatrice pour votre budget<\/a>.&nbsp;<\/p>\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\">Pr\u00eat \u00e0 \u00e9tablir votre premier budget ? Notre module interactif vous guide pour bien d\u00e9marrer !<\/a><\/p>\n\n\n\n<div style=\"height:20px\" 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 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\" 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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;:732,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/reequilibrer-votre-budget-au-plus-vite\/&quot;,&quot;title&quot;:&quot;R\u00e9\u00e9quilibrer rapidement son budget&quot;,&quot;thumbnail&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/GettyImages-531481427-150x150.jpg&quot;,&quot;likes&quot;:1}\"\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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 <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">R\u00e9\u00e9quilibrer rapidement son budget<\/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;: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\" 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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    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/budget-familial\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/calcul-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/calcul-676x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/calcul-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/calcul.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\">Calculateurs<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Calculateur de budget familial<\/span>\n                <\/h3>\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>G\u00e9rer son budget peut sembler fastidieux, mais c'est un exercice essentiel pour pr\u00e9server votre sant\u00e9 financi\u00e8re et \u00e9viter les fins de mois difficiles. Cet article vous explique comment identifier vos ressources et vos d\u00e9penses, \u00e9tablir un budget mensuel r\u00e9aliste, et utiliser les bons outils pour piloter vos finances au quotidien. Identifier vos ressources et vos [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6074,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":20,"views":11968,"viewed_at":"1778494272","newsletter":"0","_yoast_wpseo_primary_category":146,"footnotes":""},"categories":[146,270,275],"tags":[],"class_list":["post-750","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>Comment \u00e9tablir votre budget ? - Au quotidien - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Faire un budget suppose que vous ayez parfaitement connaissance des ressources que vous recevez, des d\u00e9penses que vous engagez.\" \/>\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\/comment-etablir-votre-budget\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment \u00e9tablir votre budget ? 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