{"id":11382,"date":"2026-06-06T18:32:15","date_gmt":"2026-06-06T16:32:15","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=11382"},"modified":"2026-09-18T07:31:18","modified_gmt":"2026-09-18T05:31:18","slug":"the-rule-50-30-20","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/","title":{"rendered":"Understanding the 50\/30\/20 rule to manage your budget"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Dans le cas o\u00f9 tu t&#8217;int\u00e9resses \u00e0 la gestion d&#8217;un budget, une des r\u00e8gles les plus connues est la r\u00e8gle 50 \/ 30 \/ 20. Nous allons analyser l&#8217;essentiel de cette r\u00e8gle. Comprendre la r\u00e8gle 50\/30\/20 pour g\u00e9rer son budget \ud83d\ude09<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_88 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Quelle_est_lorigine_de_la_regle_50_30_20_%F0%9F%A7%90\" >Quelle est l&#8217;origine de la r\u00e8gle 50 \/ 30 \/ 20 ? \ud83e\uddd0<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Comment_calculer_la_regle_50_30_20_%F0%9F%A4%A8\" >Comment calculer la r\u00e8gle 50 \/ 30 \/ 20 ? \ud83e\udd28<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Quel_est_mon_avis_par_rapport_a_cette_regle_50_30_20\" >Quel est mon avis par rapport \u00e0 cette r\u00e8gle 50 \/ 30 \/ 20 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#La_regle_503020_est-elle_adaptee_a_Tout_le_monde\" >La r\u00e8gle 50\/30\/20 est-elle adapt\u00e9e \u00e0 Tout le monde ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Comment_appliquer_la_regle_503020_au_quotidien\" >Comment appliquer la r\u00e8gle 50\/30\/20 au quotidien ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Que_faire_si_la_regle_50_30_20_ne_fonctionne_pas_pour_toi\" >Que faire si la r\u00e8gle 50 \/ 30 \/ 20 ne fonctionne pas pour toi ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Tu_cherches_des_Outils_financiers_pour_taider\" >Tu cherches des Outils financiers pour t\u2019aider ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Comprendre_la_regle_503020_pour_gerer_son_budget\" >Comprendre la r\u00e8gle 50\/30\/20 pour g\u00e9rer son budget<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#FAQ_%E2%80%93_Comprendre_la_regle_503020_pour_gerer_son_budget\" >FAQ &#8211; Comprendre la r\u00e8gle 50\/30\/20 pour g\u00e9rer son budget<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Quest-ce_que_la_regle_503020\" >Qu\u2019est-ce que la r\u00e8gle 50\/30\/20 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Pourquoi_utiliser_la_regle_503020\" >Pourquoi utiliser la r\u00e8gle 50\/30\/20 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Comment_calculer_la_regle_503020\" >Comment calculer la r\u00e8gle 50\/30\/20 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#%F0%9F%8F%A0_Quelles_depenses_entrent_dans_la_categorie_%E2%80%9CEssentiel%E2%80%9D_50\" >\ud83c\udfe0 Quelles d\u00e9penses entrent dans la cat\u00e9gorie &#8220;Essentiel&#8221; (50%) ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Quelles_depenses_entrent_dans_la_categorie_%E2%80%9CPlaisirs%E2%80%9D_30\" >Quelles d\u00e9penses entrent dans la cat\u00e9gorie &#8220;Plaisirs&#8221; (30%) ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#Quelles_depenses_entrent_dans_la_categorie_%E2%80%9CEpargneInvestissements%E2%80%9D_20\" >Quelles d\u00e9penses entrent dans la cat\u00e9gorie &#8220;\u00c9pargne\/Investissements&#8221; (20%) ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/#%F0%9F%A4%94_La_regle_503020_est-elle_adaptee_a_tout_le_monde\" >\ud83e\udd14 La r\u00e8gle 50\/30\/20 est-elle adapt\u00e9e \u00e0 tout le monde ?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<figure class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" autoplay controls muted src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-ac7535f6-d311-48f3-b60d-ce8c36a300b8.mp4\" playsinline><\/video><\/figure>\n\n\n\n<div data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color has-link-color wp-elements-2\" style=\"border-width:8px\"><span class=\"ez-toc-section\" id=\"Quelle_est_lorigine_de_la_regle_50_30_20_%F0%9F%A7%90\"><\/span><strong>Quelle est l&#8217;origine de la r\u00e8gle 50 \/ 30 \/ 20 ?<\/strong> \ud83e\uddd0<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cette r\u00e8gle vient du livre qui a \u00e9t\u00e9 \u00e9crit par Elisabeth Warren. Ancienne professeure \u00e0 l&#8217;universit\u00e9 d&#8217;Harvard, sp\u00e9cialis\u00e9e en droit du commerce<a href=\"https:\/\/fr.wikipedia.org\/wiki\/Elizabeth_Warren\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a>.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3\">\ud83d\udc49 <strong>Notons que ce livre est devenu une r\u00e9f\u00e9rence concernant la gestion d&#8217;un budget \u2757<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans son livre, elle a compris qu&#8217;il est important de bien g\u00e9rer son argent. Pour les finances personnelles, <strong>il est conseill\u00e9 d&#8217;appliquer la r\u00e8gle des 50 \/ 30 \/ 20.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50% d\u00e9penses essentielles<\/li>\n\n\n\n<li>30% plaisirs<\/li>\n\n\n\n<li>20% \u00e9pargne et investissements<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6abb3f9dc3265&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6abb3f9dc3265\" class=\"wp-block-image aligncenter size-full is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1254\" height=\"1254\" data-attachment-id=\"34898\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/image-regle-50-30-20-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?fit=1254%2C1254&amp;ssl=1\" data-orig-size=\"1254,1254\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image &amp;#8211; r\u00e8gle 50  30 20\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=1254%2C1254&#038;ssl=1\" alt=\"\" class=\"has-border-color has-vivid-red-border-color wp-image-34898\" style=\"border-width:13px;border-radius:20px;width:384px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?w=1254&amp;ssl=1 1254w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que j&#8217;explique mieux ces d\u00e9penses dans mon article &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/comment-organiser-depenses\/\" target=\"_blank\" rel=\"noreferrer noopener\">Comment organiser les d\u00e9penses<\/a>&#8221;.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4 wp-block-paragraph\">V<strong>oici \u00e0 quoi correspondent les diff\u00e9rentes d\u00e9penses.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Essentiel = D\u00e9penses obligatoires<\/li>\n\n\n\n<li>Plaisirs = D\u00e9penses pour le bien-\u00eatre<\/li>\n\n\n\n<li>\u00c9pargne \/ Investissements = R\u00e9serve d&#8217;argent ou futurs revenus<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5\"><strong>De ce fait, voici un tableau afin d&#8217;illustrer les diff\u00e9rentes d\u00e9penses. <\/strong><\/h6>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:12px\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:5px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">Essentielles<\/mark><\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">Plaisirs<\/mark><\/strong><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">\u00c9pargne \/ Investissements<\/mark><\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Loyer<\/td><td class=\"has-text-align-center\" data-align=\"center\">Vacances<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u00c9pargne<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Courses<\/td><td class=\"has-text-align-center\" data-align=\"center\">Restaurants<\/td><td class=\"has-text-align-center\" data-align=\"center\">Investissements<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Transports<\/td><td class=\"has-text-align-center\" data-align=\"center\">Abonnements<\/td><td class=\"has-text-align-center\" data-align=\"center\">3a<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color has-link-color wp-elements-6\" style=\"border-width:7px\"><span class=\"ez-toc-section\" id=\"Comment_calculer_la_regle_50_30_20_%F0%9F%A4%A8\"><\/span><strong>Comment calculer la r\u00e8gle 50 \/ 30 \/ 20 ?<\/strong> \ud83e\udd28<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Tu calcules ton revenu total. Par exemple, salaire, dividendes ou subsides.<\/li>\n\n\n\n<li>Chaque d\u00e9pense, tu mets dans une des 3 cat\u00e9gories. D\u00e9penses essentielles, plaisirs ou \u00e9pargne \/ investissements. Exactement comme j&#8217;ai tri\u00e9 le tableau d&#8217;avant.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\"><strong>Ensuite, il faudra savoir utiliser une r\u00e8gle de 3 simple.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si tu veux calculer le 50% des d\u00e9penses essentielles. La r\u00e8gle est:<\/p>\n\n\n\n<p class=\"has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\">\ud83d\udc49 <strong>Revenu x 50 : 100<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En ce qui concerne la r\u00e8gle des 30 ou des 20. Tu remplaces le 50 par 30 ou 20.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9 wp-block-paragraph\"><strong>Voici un tableau pour donner un exemple \ud83d\ude0a<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:12px\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:5px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">Essentielles<\/mark><\/strong> (50%)<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">Plaisirs<\/mark><\/strong> (30%)<\/th><th class=\"has-text-align-center\" data-align=\"center\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fcb900\" class=\"has-inline-color\">\u00c9pargne \/ Investissements<\/mark> (20%)<\/strong><\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Revenu = 4000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">2000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">1200 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">800 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color has-link-color wp-elements-10\" style=\"border-width:7px\"><span class=\"ez-toc-section\" id=\"Quel_est_mon_avis_par_rapport_a_cette_regle_50_30_20\"><\/span><strong>Quel est mon avis par rapport \u00e0 cette r\u00e8gle 50 \/ 30 \/ 20 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon avis, cette r\u00e8gle a du sens. Et je la trouve tr\u00e8s efficace pour ceux qui d\u00e9butent avec les finances personnelles \ud83d\udc4d<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, si tu ne sais pas g\u00e9rer un budget. Pourquoi ne pas s&#8217;inspirer de cette r\u00e8gle ?<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-11\"><strong>Par contre, je pense que cette \u00e9tude n&#8217;est pas propice pour:<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les gens avec des hauts revenus<\/li>\n\n\n\n<li>Les gens avec des revenus moyens et des petites d\u00e9penses<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-12\"><strong>Je donne mon exemple, au moment o\u00f9 j&#8217;\u00e9cris ces lignes, ma gestion du budget est environ de:<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>45% d\u00e9penses essentielles<\/li>\n\n\n\n<li>15% d\u00e9penses plaisirs<\/li>\n\n\n\n<li>40% \u00e9pargne \/ investissements<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-13\"><strong>Ce qui signifie que mon pourcentage entre plaisirs, \u00e9pargne et investissements est loin des chiffres de la r\u00e8gle 50 \/ 30 \/ 20.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pourtant, je n&#8217;ai pas un haut revenu et je me sens r\u00e9guli\u00e8rement heureux avec ma consommation \ud83d\ude0e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-border-color has-pale-cyan-blue-border-color has-pale-cyan-blue-color has-text-color has-link-color wp-elements-14\" style=\"border-width:7px\"><span class=\"ez-toc-section\" id=\"La_regle_503020_est-elle_adaptee_a_Tout_le_monde\"><\/span><strong>La r\u00e8gle 50\/30\/20 est-elle adapt\u00e9e \u00e0 Tout le monde ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Non, et c\u2019est normal ! Cette r\u00e8gle est <strong>un cadre de base g\u00e9n\u00e9ralis\u00e9<\/strong>, mais elle peut (et doit) \u00eatre <strong>personnalis\u00e9e<\/strong> selon :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ton revenu<\/strong> : Si tu gagnes <strong>10 000 CHF\/mois<\/strong>, 50% pour les d\u00e9penses essentielles peut \u00eatre <strong>trop \u00e9lev\u00e9<\/strong> (sauf si tu vis au centre de Dubai !).<\/li>\n\n\n\n<li><strong>Ton mode de vie<\/strong> : Si tu es <strong>minimaliste<\/strong>, tu peux r\u00e9duire les &#8220;plaisirs&#8221; \u00e0 10\u201315% et augmenter l\u2019\u00e9pargne \u00e0 30\u201340%.<\/li>\n\n\n\n<li><strong>Tes objectifs<\/strong> : Si tu veux <strong>devenir ind\u00e9pendant financi\u00e8rement<\/strong>, tu peux viser <strong>20% de d\u00e9penses essentielles, 10% de plaisirs et 70% d\u2019\u00e9pargne\/investissements<\/strong> (comme dans la m\u00e9thode <strong>FIRE<\/strong>).<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Exemple concret<\/strong> :<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Profil<\/th><th class=\"has-text-align-center\" data-align=\"center\">D\u00e9penses essentielles<\/th><th class=\"has-text-align-center\" data-align=\"center\">Plaisirs<\/th><th class=\"has-text-align-center\" data-align=\"center\">\u00c9pargne\/Investissements<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>D\u00e9butant<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><td class=\"has-text-align-center\" data-align=\"center\">30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">20%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Minimaliste<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">45%<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<\/td><td class=\"has-text-align-center\" data-align=\"center\">40%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\"><strong>Hauts revenus + Objetif FIRE<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">20%<\/td><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color has-link-color wp-elements-15\" style=\"border-width:7px\"><span class=\"ez-toc-section\" id=\"Comment_appliquer_la_regle_503020_au_quotidien\"><\/span><strong>Comment appliquer la r\u00e8gle 50\/30\/20 au quotidien ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c9tape 1 : Suis tes d\u00e9penses pendant 1 mois<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Utilise un <strong>tableau Excel<\/strong> (comme celui que tu proposes). une <strong>appli<\/strong> (YNAB, MoneyMoney) ou l&#8217;intelligence artificielle.<\/li>\n\n\n\n<li><strong>Classe chaque d\u00e9pense<\/strong> dans une des 3 cat\u00e9gories.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c9tape 2 : Ajuste si n\u00e9cessaire<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si tes <strong>d\u00e9penses essentielles d\u00e9passent 50%<\/strong>, cherche \u00e0 r\u00e9duire :\n<ul class=\"wp-block-list\">\n<li><strong>Loyer<\/strong> : D\u00e9m\u00e9nager ou colocation ?<\/li>\n\n\n\n<li><strong>Courses<\/strong> : Acheter en vrac, \u00e9viter le gaspillage.<\/li>\n\n\n\n<li><strong>Assurances<\/strong> : Comparer les offres.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Si tes <strong>plaisirs d\u00e9passent 30%<\/strong>, demande-toi :\n<ul class=\"wp-block-list\">\n<li><em>&#8220;Est-ce que cette d\u00e9pense me rend vraiment heureux(e) ?&#8221;<\/em><\/li>\n\n\n\n<li><em>&#8220;Puis-je la remplacer par une alternative moins ch\u00e8re ?&#8221;<\/em> (ex. : cuisiner au lieu d\u2019aller au restaurant).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color has-link-color wp-elements-16\" style=\"border-width:7px\"><span class=\"ez-toc-section\" id=\"Que_faire_si_la_regle_50_30_20_ne_fonctionne_pas_pour_toi\"><\/span><strong>Que faire si la r\u00e8gle 50 \/ 30 \/ 20 ne fonctionne pas pour toi ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pas de panique ! Voici <strong>3 alternatives<\/strong> pour adapter la m\u00e9thode :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>La r\u00e8gle 60\/20\/20<\/strong> (pour les revenus modestes) :\n<ul class=\"wp-block-list\">\n<li><strong>60% d\u00e9penses essentielles<\/strong> (si tu vis dans une ville ch\u00e8re).<\/li>\n\n\n\n<li><strong>20% plaisirs<\/strong>.<\/li>\n\n\n\n<li><strong>20% \u00e9pargne\/investissements<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>La r\u00e8gle 40\/30\/30<\/strong> (pour les minimalistes) :\n<ul class=\"wp-block-list\">\n<li><strong>40% d\u00e9penses essentielles<\/strong>.<\/li>\n\n\n\n<li><strong>30% plaisirs<\/strong>.<\/li>\n\n\n\n<li><strong>30% \u00e9pargne\/investissements<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>La m\u00e9thode &#8220;Pay Yourself First&#8221;<\/strong> (pour les investisseurs) :\n<ul class=\"wp-block-list\">\n<li><strong>D\u2019abord, \u00e9pargne\/investis 20\u201330%<\/strong> de ton revenu d\u00e8s que tu es pay\u00e9(e).<\/li>\n\n\n\n<li><strong>Ensuite<\/strong>, utilise le reste pour les d\u00e9penses essentielles et les plaisirs.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-border-color has-pale-cyan-blue-border-color has-pale-cyan-blue-color has-text-color has-link-color wp-elements-17\" style=\"border-width:7px\"><span class=\"ez-toc-section\" id=\"Tu_cherches_des_Outils_financiers_pour_taider\"><\/span><strong>Tu cherches des Outils financiers pour t\u2019aider ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Tableau Excel<\/strong> : J&#8217;en ai cr\u00e9e un dans mon article comment g\u00e9rer son budget<\/li>\n\n\n\n<li><strong>Applications<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>YNAB<\/strong> (You Need A Budget) : Pour un suivi ultra-pr\u00e9cis.<\/li>\n\n\n\n<li><strong>MoneyMoney<\/strong> (pour les Suisses) : Simple et efficace.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Livres<\/strong> :\n<ul class=\"wp-block-list\">\n<li><em>&#8220;As-tu vraiment besoin ?&#8221;<\/em> de Pierre-Yves Gomez (pour r\u00e9fl\u00e9chir \u00e0 tes d\u00e9penses).<\/li>\n\n\n\n<li><em>&#8220;<a href=\"https:\/\/minimalistefrugaliste.com\/produit\/50-astuces-pour-economiser-en-suisse\/\" type=\"product\" id=\"26085\">Les 50 astuces pour \u00e9conomiser en Suisse<\/a>&#8221; &#8211; <\/em>de moi-m\u00eame .<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6abb3f9dc6cff&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6abb3f9dc6cff\" class=\"wp-block-image aligncenter size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"34898\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/comprendre-regle-50-30-20-gerer-budget\/image-regle-50-30-20-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?fit=1254%2C1254&amp;ssl=1\" data-orig-size=\"1254,1254\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"image &amp;#8211; r\u00e8gle 50  30 20\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-34898\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/image-regle-50-30-20.png?w=1254&amp;ssl=1 1254w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h1 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Comprendre_la_regle_503020_pour_gerer_son_budget\"><\/span>Comprendre la r\u00e8gle 50\/30\/20 pour g\u00e9rer son budget<span class=\"ez-toc-section-end\"><\/span><\/h1>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_%E2%80%93_Comprendre_la_regle_503020_pour_gerer_son_budget\"><\/span><strong>FAQ &#8211; Comprendre la r\u00e8gle 50\/30\/20 pour g\u00e9rer son budge<\/strong>t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_regle_503020\"><\/span><strong>Qu\u2019est-ce que la r\u00e8gle 50\/30\/20 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La r\u00e8gle 50\/30\/20 est une <strong>m\u00e9thode simple et efficace<\/strong> pour g\u00e9rer son budget, popularis\u00e9e par <strong>Elizabeth Warren<\/strong> (ancienne professeure \u00e0 Harvard). Elle consiste \u00e0 r\u00e9partir ses revenus en <strong>3 cat\u00e9gories<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% pour les d\u00e9penses essentielles<\/strong> (loyer, courses, assurances, transports).<\/li>\n\n\n\n<li><strong>30% pour les plaisirs<\/strong> (restaurants, vacances, abonnements, loisirs).<\/li>\n\n\n\n<li><strong>20% pour l\u2019\u00e9pargne et les investissements<\/strong> (3e pilier, ETF, livrets).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Pourquoi_utiliser_la_regle_503020\"><\/span><strong>Pourquoi utiliser la r\u00e8gle 50\/30\/20 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Simplicit\u00e9<\/strong> : Facile \u00e0 comprendre et \u00e0 appliquer, m\u00eame pour les d\u00e9butants.<\/li>\n\n\n\n<li><strong>\u00c9quilibre<\/strong> : Permet de <strong>vivre bien<\/strong> tout en <strong>\u00e9pargnant et investissant<\/strong>.<\/li>\n\n\n\n<li><strong>Flexibilit\u00e9<\/strong> : Adaptable selon tes revenus et ton mode de vie.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Comment_calculer_la_regle_503020\"><\/span><strong>Comment calculer la r\u00e8gle 50\/30\/20 ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Calcule ton revenu net mensuel<\/strong> (salaire, dividendes, subsides).<\/li>\n\n\n\n<li><strong>R\u00e9partis-le en 3 cat\u00e9gories<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9penses essentielles<\/strong> : Revenu \u00d7 50 \/ 100.<\/li>\n\n\n\n<li><strong>Plaisirs<\/strong> : Revenu \u00d7 30 \/ 100.<\/li>\n\n\n\n<li><strong>\u00c9pargne\/Investissements<\/strong> : Revenu \u00d7 20 \/ 100.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemple<\/strong> :<br>Si ton revenu est de <strong>4 000 CHF\/mois<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>D\u00e9penses essentielles<\/strong> : 4 000 \u00d7 50 \/ 100 = <strong>2 000 CHF<\/strong>.<\/li>\n\n\n\n<li><strong>Plaisirs<\/strong> : 4 000 \u00d7 30 \/ 100 = <strong>1 200 CHF<\/strong>.<\/li>\n\n\n\n<li><strong>\u00c9pargne\/Investissements<\/strong> : 4 000 \u00d7 20 \/ 100 = <strong>800 CHF<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A0_Quelles_depenses_entrent_dans_la_categorie_%E2%80%9CEssentiel%E2%80%9D_50\"><\/span><strong>\ud83c\udfe0 Quelles d\u00e9penses entrent dans la cat\u00e9gorie &#8220;Essentiel&#8221; (50%) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loyer ou hypoth\u00e8que.<\/li>\n\n\n\n<li>Courses alimentaires.<\/li>\n\n\n\n<li>Factures (\u00e9lectricit\u00e9, eau, gaz, internet).<\/li>\n\n\n\n<li>Assurances (maladie, habitation, voiture).<\/li>\n\n\n\n<li>Transports (essence, abonnements transports en commun).<\/li>\n\n\n\n<li>Imp\u00f4ts et taxes (ex. : Serafe en Suisse).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Quelles_depenses_entrent_dans_la_categorie_%E2%80%9CPlaisirs%E2%80%9D_30\"><\/span><strong> Quelles d\u00e9penses entrent dans la cat\u00e9gorie &#8220;Plaisirs&#8221; (30%) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Restaurants, bars, caf\u00e9s.<\/li>\n\n\n\n<li>Vacances et voyages.<\/li>\n\n\n\n<li>Abonnements (Netflix, Spotify, fitness).<\/li>\n\n\n\n<li>Shopping (v\u00eatements, gadgets, loisirs).<\/li>\n\n\n\n<li>Sorties (cin\u00e9ma, concerts, activit\u00e9s).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Quelles_depenses_entrent_dans_la_categorie_%E2%80%9CEpargneInvestissements%E2%80%9D_20\"><\/span><strong> Quelles d\u00e9penses entrent dans la cat\u00e9gorie &#8220;\u00c9pargne\/Investissements&#8221; (20%) ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u00c9pargne de pr\u00e9caution<\/strong> (pour les impr\u00e9vus).<\/li>\n\n\n\n<li><strong>Investissements<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>Suisse<\/strong> : 3e pilier (Viac, Finpension).<\/li>\n\n\n\n<li><strong>Europe<\/strong> : ETF global (ex. : Vanguard FTSE All-World).<\/li>\n\n\n\n<li><strong>USA<\/strong> : ETF S&amp;P 500 (ex. : VOO).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Projets futurs<\/strong> (achat immobilier, \u00e9tudes, etc.).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"%F0%9F%A4%94_La_regle_503020_est-elle_adaptee_a_tout_le_monde\"><\/span><strong>\ud83e\udd14 La r\u00e8gle 50\/30\/20 est-elle adapt\u00e9e \u00e0 tout le monde ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non, cette r\u00e8gle est un <strong>cadre g\u00e9n\u00e9ral<\/strong> qui peut \u00eatre <strong>adapt\u00e9<\/strong> selon :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Ton revenu<\/strong> : Si tu gagnes <strong>10 000 CHF\/mois<\/strong>, 50% pour les d\u00e9penses essentielles peut \u00eatre trop \u00e9lev\u00e9.<\/li>\n\n\n\n<li><strong>Ton mode de vie<\/strong> : Si tu es <strong>minimaliste<\/strong>, tu peux r\u00e9duire les plaisirs \u00e0 <strong>10\u201315%<\/strong> et augmenter l\u2019\u00e9pargne \u00e0 <strong>30\u201345%<\/strong>.<\/li>\n\n\n\n<li><strong>Tes objectifs<\/strong> : Si tu vises l\u2019<strong>ind\u00e9pendance financi\u00e8re (FIRE)<\/strong>, tu peux viser <strong>20% de d\u00e9penses essentielles, 10% de plaisirs et 70% d\u2019\u00e9pargne\/investissements<\/strong>.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-26\"><strong>\ud83d\udccc Comment appliquer la r\u00e8gle 50\/30\/20 au quotidien ?<\/strong><\/h4>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Suis tes d\u00e9penses pendant 1 mois<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Utilise un <strong>tableau Excel<\/strong> ou une <strong>appli<\/strong> (YNAB, MoneyMoney).<\/li>\n\n\n\n<li>Classe chaque d\u00e9pense dans une des 3 cat\u00e9gories.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Ajuste si n\u00e9cessaire<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Si tes <strong>d\u00e9penses essentielles d\u00e9passent 50%<\/strong> :\n<ul class=\"wp-block-list\">\n<li>R\u00e9duis ton loyer (d\u00e9m\u00e9nagement, colocation).<\/li>\n\n\n\n<li>Optimise tes courses (achats en vrac, \u00e9viter le gaspillage).<\/li>\n\n\n\n<li>Compare tes assurances.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Si tes <strong>plaisirs d\u00e9passent 30%<\/strong> :\n<ul class=\"wp-block-list\">\n<li>Demande-toi : <em>&#8220;Est-ce que cette d\u00e9pense me rend vraiment heureux ?&#8221;<\/em><\/li>\n\n\n\n<li>Remplace les d\u00e9penses superflues par des alternatives moins ch\u00e8res (ex. : cuisiner au lieu d\u2019aller au restaurant).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-27\"><strong>\u26a0\ufe0f Que faire si la r\u00e8gle 50\/30\/20 ne fonctionne pas pour moi ?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pas de panique ! Voici <strong>3 alternatives<\/strong> :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>R\u00e8gle 60\/20\/20<\/strong> (pour les revenus modestes ou les villes ch\u00e8res) :\n<ul class=\"wp-block-list\">\n<li>60% d\u00e9penses essentielles.<\/li>\n\n\n\n<li>20% plaisirs.<\/li>\n\n\n\n<li>20% \u00e9pargne\/investissements.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>R\u00e8gle 40\/30\/30<\/strong> (pour les minimalistes) :\n<ul class=\"wp-block-list\">\n<li>40% d\u00e9penses essentielles.<\/li>\n\n\n\n<li>30% plaisirs.<\/li>\n\n\n\n<li>30% \u00e9pargne\/investissements.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>M\u00e9thode &#8220;Pay Yourself First&#8221;<\/strong> (pour les investisseurs) :\n<ul class=\"wp-block-list\">\n<li>\u00c9pargne\/investis <strong>20\u201330% de ton revenu d\u00e8s que tu es pay\u00e9<\/strong>.<\/li>\n\n\n\n<li>Utilise le reste pour les d\u00e9penses essentielles et les plaisirs.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-28\"><strong>\ud83d\udee0\ufe0f Quels outils utiliser pour appliquer la r\u00e8gle 50\/30\/20 ?<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tableaux Excel<\/strong> : T\u00e9l\u00e9charge celui que je propose dans mon article <strong><a href=\"lien\" target=\"_blank\" rel=\"noopener\">Comment organiser les d\u00e9penses<\/a><\/strong>.<\/li>\n\n\n\n<li><strong>Applications<\/strong> :\n<ul class=\"wp-block-list\">\n<li><strong>YNAB<\/strong> (You Need A Budget) : Pour un suivi ultra-pr\u00e9cis.<\/li>\n\n\n\n<li><strong>MoneyMoney<\/strong> (pour les Suisses) : Simple et efficace.<\/li>\n\n\n\n<li><strong>BudgetBakers<\/strong> : Pour visualiser tes d\u00e9penses en graphiques.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Livres<\/strong> :\n<ul class=\"wp-block-list\">\n<li><em>&#8220;As-tu vraiment besoin ?&#8221;<\/em> de <strong>Pierre-Yves Gomez<\/strong> (pour r\u00e9fl\u00e9chir \u00e0 tes d\u00e9penses).<\/li>\n\n\n\n<li><em>&#8220;Les 50 astuces pour \u00e9conomiser en Suisse&#8221;<\/em> (de moi-m\u00eame).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-29\"><strong>\ud83d\udca1 Quel est ton avis sur la r\u00e8gle 50\/30\/20 ?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Cette r\u00e8gle est <strong>excellente pour les d\u00e9butants<\/strong> en gestion de budget, car elle offre un <strong>cadre clair et simple<\/strong>. Cependant, elle n\u2019est pas <strong>universelle<\/strong> :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Pour moi<\/strong>, la r\u00e9partition est plut\u00f4t <strong>45% d\u00e9penses essentielles \/ 15% plaisirs \/ 40% \u00e9pargne\/investissements<\/strong>.<\/li>\n\n\n\n<li><strong>Pourquoi ?<\/strong> Parce que je privil\u00e9gie <strong>l\u2019\u00e9pargne et les investissements<\/strong> pour atteindre mes objectifs financiers plus rapidement.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En r\u00e9sum\u00e9<\/strong> : La r\u00e8gle 50\/30\/20 est une <strong>bonne base<\/strong>, mais <strong>personnalise-la<\/strong> selon ta situation !<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong> \u270d<\/h5>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=11382\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/meilleur-conseil-du-monde-economiser\/\">Le meilleur conseil du monde pour \u00e9conomiser<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/banque-neon\/\">La banque Neon, le r\u00e9sum\u00e9<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-digitalisation-influence-minimaliste\/\">Comment la digitalisation influence le minimaliste?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/\">Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/consommation-essentielle-vs-consommation-pas-essentielle\/\">Consommation essentielle VS Consommation pas essentielle<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-30 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-31\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis quelques ann\u00e9es je me sens heureux et je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Quel est le but avec ce blog ?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Le but est de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-32 wp-block-paragraph\">Comprendre la r\u00e8gle 50\/30\/20 pour g\u00e9rer son budget<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In case you are interested in managing a budget. One of the most well-known rules is the 50\/30\/20 rule. 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