{"id":756,"date":"2021-03-27T00:00:00","date_gmt":"2021-03-26T22:00:00","guid":{"rendered":"https:\/\/www.lesclesdelabanque.com\/particulier\/2012\/08\/27\/les-cles-pour-bien-gerer-son-budget\/"},"modified":"2026-04-13T16:52:09","modified_gmt":"2026-04-13T14:52:09","slug":"les-cles-pour-bien-gerer-son-budget","status":"publish","type":"post","link":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/","title":{"rendered":"Les cl\u00e9s pour bien g\u00e9rer son budget"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Utilisez un compte de d\u00e9p\u00f4t et maintenez son solde cr\u00e9diteur<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le compte de d\u00e9p\u00f4t est le compte bancaire adapt\u00e9 pour r\u00e9aliser vos d\u00e9penses courantes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Maintenir son solde cr\u00e9diteur vous \u00e9vitera :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>des frais (agios, \u00e9ventuellement frais li\u00e9s au d\u00e9passement...),<\/li><li>des rejets \u00e9ventuels de ch\u00e8ques ou de pr\u00e9l\u00e8vements.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Vous devez :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>conna\u00eetre en permanence sa position r\u00e9elle, en tenant compte des op\u00e9rations en cours non encore comptabilis\u00e9es par la banque.<\/li><li>tenir compte des d\u00e9penses \u00e0 venir que vous ne pourrez pas diff\u00e9rer (par exemple le loyer).<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Tenez soigneusement votre budget<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Prenez l'habitude de vivre selon vos moyens : ne d\u00e9pensez pas plus que ce que vous gagnez.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Faites le point sur vos d\u00e9penses et vos ressources au moins une fois par mois, en tenant \u00e0 jour un tableau de suivi budg\u00e9taire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre budget doit \u00eatre bas\u00e9 sur des pr\u00e9visions raisonnablement prudentes, ni trop optimistes, ni trop pessimistes. Les ressources doivent \u00eatre certaines \u00e0 la fois dans leur montant et dans la date de leur perception. Chaque poste de d\u00e9pense est \u00e0 analyser en toute objectivit\u00e9.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Choisissez les moyens de paiement adapt\u00e9s<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li>La carte de paiement \u00e0 autorisation syst\u00e9matique permet d'\u00e9viter de se trouver \u00e0 d\u00e9couvert.<\/li><li>Le pr\u00e9l\u00e8vement facilite la gestion de votre budget : vous \u00eates inform\u00e9 plusieurs jours \u00e0 l'avance du montant \u00e0 payer, vous pouvez ainsi vous organiser en cons\u00e9quence. Vous pouvez lisser les grosses d\u00e9penses sur l'ann\u00e9e. Exemple : mensualit\u00e9s d'assurances, d'imp\u00f4ts, etc.).<\/li><li>Si vous disposez d'un ch\u00e9quier, utilisez-le avec prudence :<ul><li>ne signez jamais avant que le montant et le b\u00e9n\u00e9ficiaire ne soient inscrits.<\/li><li>ne confiez votre ch\u00e9quier \u00e0 personne (sauf mandataire).<\/li><li>\u00e9vitez les <a href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/cheque-caution-garantie\/\" target=\"_blank\" rel=\"noreferrer noopener\">ch\u00e8ques \"de caution\" <\/a>car le b\u00e9n\u00e9ficiaire a le droit de l'encaisser \u00e0 tout moment.<\/li><li>maintenez sur votre compte la provision n\u00e9cessaire jusqu'\u00e0 ce qu'il se pr\u00e9sente pour \u00e9viter l'inscription \u00e0 la Banque de France et des frais.<\/li><\/ul><\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Ouvrez un produit d'\u00e9pargne<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mettez tous les mois un peu d'argent de c\u00f4t\u00e9. Il sera utile en cas d'impr\u00e9vu, de difficult\u00e9 de tr\u00e9sorerie passag\u00e8re et pour financer des projets. Un peu d'argent mis de c\u00f4t\u00e9 chaque mois finit, \u00e0 la longue, par faire une somme cons\u00e9quente. Vous pouvez :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>\u00e9pargner chaque mois la m\u00eame somme,<\/li><li>mettre de c\u00f4t\u00e9 ce qui vous reste en fin de mois.<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous percevez des revenus trimestriels (retraite compl\u00e9mentaire), il est conseill\u00e9 de placer sur un compte d'\u00e9pargne les 2\/3 de la pension d\u00e8s sa r\u00e9ception.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><br>Ma\u00eetrisez votre endettement<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cela vous permet de vous constituer une \u00e9pargne mais aussi de pouvoir emprunter (avec les produits d'\u00e9pargne logement).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Vous ne devez pas vous endetter de mani\u00e8re excessive :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>prenez en compte l'\u00e9volution probable de vos charges et de vos revenus sur l'ensemble de la p\u00e9riode de remboursement (de 1 \u00e0 5 ans, de 10 \u00e0 20 ans selon les cr\u00e9dits),<\/li><li>misez sur une progression salariale raisonnable et n'oubliez pas qu'une hausse de salaire se r\u00e9percute \u00e9ventuellement sur le montant de vos imp\u00f4ts,<\/li><li>pensez que les allocations familiales et l'APL ne sont pas \u00e9ternelles,<\/li><li>des signes annonciateurs au niveau de votre entreprise, de votre sant\u00e9 ou de votre situation familiale doivent vous encourager \u00e0 la prudence...<\/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 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                <h2 class=\"titleWithShadowText__title\">\n                    Voir aussi                                    <\/h2>\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--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:405,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/&quot;,&quot;title&quot;:&quot;10 cl\u00e9s pour g\u00e9rer mon compte bancaire&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:111}\"\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=\"405\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\"\n         data-title=\"10 cl\u00e9s pour g\u00e9rer mon compte bancaire\">\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\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-10-cles-gerer-mon-compte\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Guides bancaires<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">10 cl\u00e9s pour g\u00e9rer mon compte bancaire<\/span>\n                <\/h3>\n                                <p class=\"card__article\">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        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--noBg\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;:69,&quot;url&quot;:&quot;https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/&quot;,&quot;title&quot;:&quot;Ma\u00eetriser mon budget&quot;,&quot;thumbnail&quot;:&quot;&quot;,&quot;likes&quot;:116}\"\n     data-wp-init=\"callbacks.init\">\n    <button class=\"postActions__button\" aria-expanded=\"false\" title=\"Voir les actions\" data-wp-on--click=\"actions.toggleMenu\">\n        <svg class=\"postActions__iconMenu\" role=\"presentation\" width=\"26\" height=\"26\">\n            <use href=\"#containsMore\" \/>\n        <\/svg>\n        <span class=\"a11y-hidden\">Voir les actions<\/span>\n    <\/button>\n    <div class=\"postActions__actionsMenu\"\n         data-id=\"69\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\"\n         data-title=\"Ma\u00eetriser mon budget\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">5 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/guide-maitriser-mon-budget\/\">\n                <div class=\"card__content\">\n            <div class=\"card__metas\">\n                <div class=\"card__submetas\">\n                                        <p class=\"card__category\">Hors-s\u00e9rie<\/p>\n                                    <\/div>\n            <\/div>\n            <div class=\"card__mainInformation\">\n                <h3 class=\"card__title\">\n                    <span class=\"card__title_span\">Ma\u00eetriser mon budget<\/span>\n                <\/h3>\n                                <p class=\"card__article\">G\u00e9rer son budget peut sembler fastidieux, on ne sait pas toujours comment proc\u00e9der, par o\u00f9 commencer, ni quels outils utiliser. C\u2019est pourtant particuli\u00e8rement utile pour (...)<\/p>\n                            <\/div>\n        <\/div>\n    <\/a>\n<\/article>\n        <\/div><div class=\"carousel__item\"><article class=\"card card--white\" data-block=\"carousel\">\n    <header class=\"card__head\">\n        <div class=\"postActions\"\n     data-wp-interactive=\"cdb\/post-actions\"\n     data-wp-context=\"{&quot;id&quot;: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\" 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=\"398\"\n         data-url=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/\"\n         data-title=\"Pilote Budget : une application pour mieux piloter votre budget\">\n        <ul class=\"postActions__list\">\n                        <li>\n                                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Aimer cet article\"\n                        class=\"postActions__action postActions__action--like\"\n                        data-wp-on--click=\"actions.like\">\n                    <span class=\"a11y-hidden\">Aimer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\">\n                        <use href=\"#like\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\">\n                        <use href=\"#like--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button role=\"checkbox\" aria-checked=\"false\"\n                        title=\"Enregistrer cet article\"\n                        class=\"postActions__action postActions__action--bookmark\"\n                        data-wp-on--click=\"actions.bookmark\">\n                    <span class=\"a11y-hidden\">Enregistrer cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--inactive\" width=\"12\">\n                        <use href=\"#bookmark\" \/>\n                    <\/svg>\n                    <svg role=\"presentation\" class=\"postActions__icon postActions__icon--active\" width=\"12\">\n                        <use href=\"#bookmark--full\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                                    <li>\n                <button type=\"button\"\n                        title=\"Partager cet article\"\n                        class=\"postActions__action sharePost\"\n                        aria-haspopup=\"dialog\"\n                        data-wp-on--click=\"actions.share\">\n                    <span class=\"a11y-hidden\">Partager cet article<\/span>\n                    <svg role=\"presentation\" class=\"postActions__icon\" width=\"12\">\n                        <use href=\"#share\" \/>\n                    <\/svg>\n                <\/button>\n            <\/li>\n                    <\/ul>\n    <\/div>\n<\/div>\n                        <p class=\"card__time\">2 Min<\/p>\n            <\/header>\n    <a class=\"card__link\" href=\"https:\/\/www.lesclesdelabanque.com\/particulier\/pilotebudget-application-budget\/\">\n                <picture>\n                        <source media=\"(min-width: 990px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-290x400.jpg\">\n                        <source media=\"(min-width: 500px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-928x270.jpg\">\n                        <source media=\"(min-width: 0px)\" srcset=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_BD-382x270.jpg\">\n                        <img decoding=\"async\" src=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/Pilotebudget-app-_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\">Pilote Budget : une application pour mieux piloter votre budget<\/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>Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026 Utilisez un compte de d\u00e9p\u00f4t et maintenez son solde cr\u00e9diteur Le compte de d\u00e9p\u00f4t est le compte bancaire adapt\u00e9 pour r\u00e9aliser vos d\u00e9penses courantes. Maintenir son solde cr\u00e9diteur vous \u00e9vitera : des frais (agios, \u00e9ventuellement frais li\u00e9s au d\u00e9passement...), des rejets \u00e9ventuels [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6080,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"likes":3,"views":10834,"viewed_at":"1778489785","newsletter":"0","_yoast_wpseo_primary_category":146,"footnotes":""},"categories":[146,270,275],"tags":[],"class_list":["post-756","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>Les cl\u00e9s pour bien g\u00e9rer son budget - Au quotidien - Les cl\u00e9s de la banque - Particulier<\/title>\n<meta name=\"description\" content=\"Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026\" \/>\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\/les-cles-pour-bien-gerer-son-budget\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les cl\u00e9s pour bien g\u00e9rer son budget - Au quotidien - Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"og:description\" content=\"Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/\" \/>\n<meta property=\"og:site_name\" content=\"Les cl\u00e9s de la banque - Particulier\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-26T22:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-13T14:52:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/vos-depenses-_BD.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1332\" \/>\n\t<meta property=\"og:image:height\" content=\"870\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"bdurand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"bdurand\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/\"},\"author\":{\"name\":\"bdurand\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\"},\"headline\":\"Les cl\u00e9s pour bien g\u00e9rer son budget\",\"datePublished\":\"2021-03-26T22:00:00+00:00\",\"dateModified\":\"2026-04-13T14:52:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/\"},\"wordCount\":595,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/vos-depenses-_BD.jpg\",\"articleSection\":[\"Au quotidien\",\"Mes moments de vie\",\"Mon budget\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/\",\"name\":\"Les cl\u00e9s pour bien g\u00e9rer son budget - Au quotidien - Les cl\u00e9s de la banque - Particulier\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/vos-depenses-_BD.jpg\",\"datePublished\":\"2021-03-26T22:00:00+00:00\",\"dateModified\":\"2026-04-13T14:52:09+00:00\",\"description\":\"Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/vos-depenses-_BD.jpg\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/05\\\/vos-depenses-_BD.jpg\",\"width\":1332,\"height\":870},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/les-cles-pour-bien-gerer-son-budget\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Les cl\u00e9s pour bien g\u00e9rer son budget\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#website\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/\",\"name\":\"Les cl\u00e9s de la banque - Particulier\",\"description\":\"Les cl\u00e9s de la banque - Particulier\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#organization\",\"name\":\"Les cl\u00e9s de la banque - Particulier\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2.png\",\"contentUrl\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/uploads\\\/2021\\\/09\\\/cropped-logo_CDB_PP2.png\",\"width\":150,\"height\":100,\"caption\":\"Les cl\u00e9s de la banque - Particulier\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.lesclesdelabanque.com\\\/particulier\\\/#\\\/schema\\\/person\\\/11d94f4884ca2132a01990794f242bfa\",\"name\":\"bdurand\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g\",\"caption\":\"bdurand\"}}]}<\/script>","yoast_head_json":{"title":"Les cl\u00e9s pour bien g\u00e9rer son budget - Au quotidien - Les cl\u00e9s de la banque - Particulier","description":"Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/","og_locale":"fr_FR","og_type":"article","og_title":"Les cl\u00e9s pour bien g\u00e9rer son budget - Au quotidien - Les cl\u00e9s de la banque - Particulier","og_description":"Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026","og_url":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/","og_site_name":"Les cl\u00e9s de la banque - Particulier","article_published_time":"2021-03-26T22:00:00+00:00","article_modified_time":"2026-04-13T14:52:09+00:00","og_image":[{"width":1332,"height":870,"url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/vos-depenses-_BD.jpg","type":"image\/jpeg"}],"author":"bdurand","twitter_card":"summary_large_image","twitter_misc":{"Written by":"bdurand","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#article","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/"},"author":{"name":"bdurand","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa"},"headline":"Les cl\u00e9s pour bien g\u00e9rer son budget","datePublished":"2021-03-26T22:00:00+00:00","dateModified":"2026-04-13T14:52:09+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/"},"wordCount":595,"publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#organization"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/vos-depenses-_BD.jpg","articleSection":["Au quotidien","Mes moments de vie","Mon budget"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/","url":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/","name":"Les cl\u00e9s pour bien g\u00e9rer son budget - Au quotidien - Les cl\u00e9s de la banque - Particulier","isPartOf":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#primaryimage"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/vos-depenses-_BD.jpg","datePublished":"2021-03-26T22:00:00+00:00","dateModified":"2026-04-13T14:52:09+00:00","description":"Pour obtenir et garder \u00e9quilibr\u00e9 votre budget , vous devez respecter quelques principes\u2026","breadcrumb":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#primaryimage","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/vos-depenses-_BD.jpg","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/05\/vos-depenses-_BD.jpg","width":1332,"height":870},{"@type":"BreadcrumbList","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/les-cles-pour-bien-gerer-son-budget\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lesclesdelabanque.com\/particulier\/"},{"@type":"ListItem","position":2,"name":"Les cl\u00e9s pour bien g\u00e9rer son budget"}]},{"@type":"WebSite","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#website","url":"https:\/\/www.lesclesdelabanque.com\/particulier\/","name":"Les cl\u00e9s de la banque - Particulier","description":"Les cl\u00e9s de la banque - Particulier","publisher":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lesclesdelabanque.com\/particulier\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#organization","name":"Les cl\u00e9s de la banque - Particulier","url":"https:\/\/www.lesclesdelabanque.com\/particulier\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/logo\/image\/","url":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2.png","contentUrl":"https:\/\/www.lesclesdelabanque.com\/uploads\/2021\/09\/cropped-logo_CDB_PP2.png","width":150,"height":100,"caption":"Les cl\u00e9s de la banque - Particulier"},"image":{"@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.lesclesdelabanque.com\/particulier\/#\/schema\/person\/11d94f4884ca2132a01990794f242bfa","name":"bdurand","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/6dc157533deefd6a4621ae5746d28d0b829e3418e81f920a68c23c1ce9d3dfcf?s=96&d=mm&r=g","caption":"bdurand"}}]}},"_links":{"self":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/posts\/756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/comments?post=756"}],"version-history":[{"count":0,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/posts\/756\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/media\/6080"}],"wp:attachment":[{"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/media?parent=756"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/categories?post=756"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lesclesdelabanque.com\/particulier\/wp-json\/wp\/v2\/tags?post=756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}