{"id":1276,"date":"2024-10-11T09:47:50","date_gmt":"2024-10-11T07:47:50","guid":{"rendered":"http:\/\/minimalistefrugaliste.com\/?p=1276"},"modified":"2026-06-08T08:35:45","modified_gmt":"2026-06-08T06:35:45","slug":"the-budget-minimalism-7-steps","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/","title":{"rendered":"The minimalism budget in 7 steps"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-e3ebdd1b245e87b316c860a5c2f0116f wp-block-paragraph\"><strong>Ceux qui aime lier minimalisme et \u00e9conomies r\u00e9fl\u00e9chissent comment cr\u00e9er un budget minimalisme. Dans cet article, <\/strong>l<strong>e budget minimalisme en 7 \u00e9tapes. Je vais donner quelques astuces pour aider le lecteur \u00e0 faire son budget<\/strong> \ud83d\ude0a.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black 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\/budget-minimalisme-7-etapes\/#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\/budget-minimalisme-7-etapes\/#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\/budget-minimalisme-7-etapes\/#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\/budget-minimalisme-7-etapes\/#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\/budget-minimalisme-7-etapes\/#Pourquoi_creer_un_budget_minimaliste\" >Pourquoi cr\u00e9er un budget minimaliste?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#Le_budget_minimalisme_en_7_etapes\" >Le budget minimalisme en 7 \u00e9tapes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#1_%E2%80%93_Gestion_du_budget\" >1 &#8211; Gestion du budget<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#2_%E2%80%93_Noter_et_analyser_toutes_les_depenses\" >2 &#8211; Noter et analyser toutes les d\u00e9penses<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#3_%E2%80%93_Diminuer_les_depenses_secondaires_et_luxueuses\" >3 &#8211; Diminuer les d\u00e9penses secondaires et luxueuses<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#4_%E2%80%93_Definir_une_limite_raisonnable_par_categorie_de_depense\" >4 &#8211; D\u00e9finir une limite raisonnable par cat\u00e9gorie de d\u00e9pense<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#Quel_pourcentage_maximum_dois-je_depenser_par_categorie_de_depense_%F0%9F%A4%94_%F0%9F%93%9D\" >Quel pourcentage maximum dois-je d\u00e9penser par cat\u00e9gorie de d\u00e9pense ? \ud83e\udd14 \ud83d\udcdd<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#5_%E2%80%93_Ne_pas_ajouter_pas_de_nouvelles_depenses_%E2%9D%8C\" >5 &#8211; Ne pas ajouter pas de nouvelles d\u00e9penses \u274c<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#6_%E2%80%93_Mettre_une_partie_des_economies_dans_un_compte_epargne_de_reserve\" >6 &#8211; Mettre une partie des \u00e9conomies dans un compte \u00e9pargne de r\u00e9serve<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#7_%E2%80%93_Investir_son_argent\" >7 &#8211; Investir son argent<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#Quel_investissent_choisir_pour_un_premier_investissement_%F0%9F%A4%94\" >Quel investissent choisir pour un premier investissement? \ud83e\udd14<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#Le_budget_minimalisme_en_7_etapes-2\" >Le budget minimalisme en 7 \u00e9tapes<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/budget-minimalisme-7-etapes\/#FAQ_%E2%80%93_Le_budget_minimaliste_en_7_etapes\" >FAQ &#8211; Le budget minimaliste en 7 \u00e9tapes<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-wp-context=\"{&quot;notices&quot;:[],&quot;hideNextPreviousButtons&quot;:false,&quot;isDisabledPrevious&quot;:true,&quot;isDisabledNext&quot;:false,&quot;ariaLabelPrevious&quot;:&quot;Previous products&quot;,&quot;ariaLabelNext&quot;:&quot;Next products&quot;,&quot;collection&quot;:&quot;woocommerce\\\/product-collection\\\/hand-picked&quot;}\" data-wp-init=\"callbacks.onRender\" data-wp-interactive=\"woocommerce\/product-collection\" data-wp-router-region=\"wc-product-collection-0\" data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" 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\">\t\t<div data-wp-interactive=\"woocommerce\/store-notices\" class=\"wc-block-components-notices alignwide\">\n\t\t\t<template data-wp-each--notice=\"state.notices\" data-wp-each-key=\"context.notice.id\">\n\t\t\t\t<div\n\t\t\t\t\tclass=\"wc-block-components-notice-banner\"\n\t\t\t\t\tdata-wp-init=\"callbacks.scrollIntoView\"\n\t\t\t\t\tdata-wp-class--is-error=\"state.isError\"\n\t\t\t\t\tdata-wp-class--is-success=\"state.isSuccess\"\n\t\t\t\t\tdata-wp-class--is-info=\"state.isInfo\"\n\t\t\t\t\tdata-wp-class--is-dismissible=\"context.notice.dismissible\"\n\t\t\t\t\tdata-wp-bind--role=\"state.role\"\n\t\t\t\t\tdata-wp-watch=\"callbacks.injectIcon\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"wc-block-components-notice-banner__content\">\n\t\t\t\t\t\t<span data-wp-init=\"callbacks.renderNoticeContent\" aria-live=\"assertive\" aria-atomic=\"true\"><\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<button\n\t\t\t\t\t\tdata-wp-bind--hidden=\"!context.notice.dismissible\"\n\t\t\t\t\t\tclass=\"wc-block-components-button wp-element-button wc-block-components-notice-banner__dismiss contained\"\n\t\t\t\t\t\taria-label=\"Dismiss this notice\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.removeNotice\"\n\t\t\t\t\t>\n\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\">\n\t\t\t\t\t\t\t<path d=\"M13 11.8l6.1-6.3-1-1-6.1 6.2-6.1-6.2-1 1 6.1 6.3-6.5 6.7 1 1 6.5-6.6 6.5 6.6 1-1z\" \/>\n\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/template>\n\t\t<\/div>\n\t\t\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" 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;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=100%2C100&amp;ssl=1 100w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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-auto wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" style=\"\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1\" class=\"attachment-woocommerce_thumbnail size-woocommerce_thumbnail\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=2&amp;resize=300%2C300&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?zoom=3&amp;resize=300%2C300&amp;ssl=1 900w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Pourquoi_creer_un_budget_minimaliste\"><\/span><strong>Pourquoi cr\u00e9er un budget minimaliste?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Il est facile de s&#8217;endetter et de mal g\u00e9rer ses d\u00e9penses, ce qui rend les fins de mois difficiles.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>En r\u00e9alit\u00e9, le but de cr\u00e9er un budget minimaliste est de ma\u00eetriser son budget et  d&#8217;\u00e9conomiser un maximum en d\u00e9pensant uniquement pour l&#8217;essentiel. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Sans surprise. <strong><mark style=\"background-color:#541000;color:#fcb900\" class=\"has-inline-color\">Plus tu \u00e9conomises, plus tu auras de l&#8217;argent pour tes projets<\/mark>\ud83d\ude09.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De nos jours, on peut faire un budget avec Excel ou une application. Notons que certains comptes bancaires aident aussi \u00e0 suivre les d\u00e9penses.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a592013200b8&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a592013200b8\" class=\"wp-block-image aligncenter size-large is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" data-attachment-id=\"4572\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/independance-financiere-fire\/pexels-photo-1602726\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?fit=1880%2C1253&amp;ssl=1\" data-orig-size=\"1880,1253\" 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;Photo by maitree rimthong on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/person-putting-coin-in-a-piggy-bank-1602726\/\\&quot; rel=\\&quot;nofollow\\&quot;&gt;Pexels.com&lt;\/a&gt;&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;person putting coin in a piggy bank&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-1602726\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by maitree rimthong on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/person-putting-coin-in-a-piggy-bank-1602726\/&quot; rel=&quot;nofollow&quot;&gt;Pexels.com&lt;\/a&gt;&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?fit=600%2C400&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\/2022\/01\/pexels-photo-1602726.jpeg?resize=1024%2C682&#038;ssl=1\" alt=\"person putting coin in a piggy bank -Le budget minimalisme en 7 \u00e9tapes   \" class=\"has-border-color wp-image-4572\" style=\"border-color:#ff6900;border-width:9px;border-radius:36px;width:171px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/pexels-photo-1602726.jpeg?w=1880&amp;ssl=1 1880w\" 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\">Maintenant, nous allons analyser comment cr\u00e9er un budget minimaliste en 7 \u00e9tapes \ud83d\ude0a<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_budget_minimalisme_en_7_etapes\"><\/span><strong>Le budget minimalisme en 7 \u00e9tapes  <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"1_%E2%80%93_Gestion_du_budget\"><\/span><strong>1 &#8211; Gestion du budget<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Premi\u00e8rement, pour suivre un budget, tu dois avoir un document ou une application qui suit et classe tes d\u00e9penses. Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fichier excel<\/li>\n\n\n\n<li>Appli gestion de budget<\/li>\n\n\n\n<li>Certains comptes bancaires<\/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-4c5fee3f2b936af9c2147e1e7860dd7b\">\ud83d\udc49 <strong>L&#8217;objectif est de visualiser combien tu d\u00e9penses \ud83d\ude09<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">J&#8217;ai cr\u00e9\u00e9 un document pour \u00e9tablir un budget. Tu peux <strong>t\u00e9l\u00e9charger mon PDF sur l&#8217;organisation du budget<\/strong>. <strong>Cela te donnera une vue d&#8217;ensemble simple de ton budget.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ensuite, n&#8217;h\u00e9site pas \u00e0 le modifier selon tes pr\u00e9f\u00e9rences et tes d\u00e9penses.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu souhaites plus d&#8217;informations sur cette liste, tu peux lire mon article <a href=\"https:\/\/minimalistefrugaliste.com\/comment-organiser-depenses\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>. Il est aussi en forme de tableau excel.<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file aligncenter\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/02\/depenses-mensuelles-blog.pdf\" type=\"application\/pdf\" style=\"width:100%;height:350px\" aria-label=\"Embed of D\u00e9penses Mensuelles Blog.\"><\/object><a id=\"wp-block-file--media-61121da9-f4bd-49a4-a50e-3f29646d84d8\" href=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/02\/depenses-mensuelles-blog.pdf\">D\u00e9penses Mensuelles Blog<\/a><a href=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/02\/depenses-mensuelles-blog.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-61121da9-f4bd-49a4-a50e-3f29646d84d8\">T\u00e9l\u00e9charger<\/a><\/div>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En v\u00e9rit\u00e9, peu importe la m\u00e9thode pour suivre le budget. L&#8217;essentiel est d&#8217;avoir un visuel pour contr\u00f4ler les d\u00e9penses \ud83d\ude09<\/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-dce13cd51b8aa2345b6bd45fc1a258e4\"><strong>\u26a0\ufe0f Je pr\u00e9cise que cette \u00e9tape est essentielle pour la suite <\/strong>\u26a0<\/h6>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"2_%E2%80%93_Noter_et_analyser_toutes_les_depenses\"><\/span><strong>2 &#8211; Noter et analyser toutes les d\u00e9penses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une fois que tu as un tableau de d\u00e9penses, selon ta m\u00e9thode choisie. <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff6bf\" class=\"has-inline-color\">Il faudra noter toutes tes d\u00e9penses et \u00e9conomies selon ton budget mensuel ou annuel.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6d80374a3312ffbe6e0ca288fc4a578d wp-block-paragraph\">Dans ce cas<strong>, il faut diviser le budget de d\u00e9penses au minimum en 3 cat\u00e9gories:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Factures<\/li>\n\n\n\n<li>Loisirs<\/li>\n\n\n\n<li>Investissement et \u00e9pargne<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-9b699887a8bf7bac7378cff9adf23ea4 wp-block-paragraph\"><strong>Pour un d\u00e9butant en finances personnelles, je propose de commencer \u00e0 diviser les d\u00e9penses selon la th\u00e9orie de Warren<sub><sup><a href=\"https:\/\/minimalistefrugaliste.com\/la-regle-50-30-20\/\">1<\/a><\/sup><\/sub>. <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>50% factures<\/li>\n\n\n\n<li>30% loisirs<\/li>\n\n\n\n<li>20% investissement et \u00e9pargne<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"3_%E2%80%93_Diminuer_les_depenses_secondaires_et_luxueuses\"><\/span><strong>3 &#8211; Diminuer les d\u00e9penses secondaires et luxueuses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans mon tableau de d\u00e9penses, j&#8217;ai not\u00e9 une partie concernant les d\u00e9penses secondaires et luxueuses.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que cette partie correspond aux loisirs dans la th\u00e9orie de Warren.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon la th\u00e9orie de Warren, le montant ne doit pas d\u00e9passer 30 %.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cependant, selon mon opinion, pour avoir un budget minimaliste, il faut trouver des astuces pour r\u00e9duire ces d\u00e9penses d&#8217;au moins \u00e0 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-5d428c0f5cc37b90c29b5b1fecd352a7 wp-block-paragraph\"><strong>Il y a plusieurs possibilit\u00e9s afin de diminuer ces d\u00e9penses. Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Choisir des vacances moins on\u00e9reuses<\/li>\n\n\n\n<li>Ne pas consommer des objets qui seront inutiles quelques semaines apr\u00e8s l&#8217;achat<\/li>\n\n\n\n<li>Arr\u00eater des consommations quotidiennes non n\u00e9cessaires, comme par exemple boire un soda en attendant le train<\/li>\n\n\n\n<li>Changer de banque pour un compte sans frais d&#8217;entretien et avec peu de frais bancaires<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7fb62880d895222a56272afbaf093959 wp-block-paragraph\"><strong>Il ne faut pas h\u00e9siter \u00e0 diminuer au maximum ces d\u00e9penses. C&#8217;est pour cette raison que je les appelle &#8221;<em>des d\u00e9penses secondaires et luxueuses<\/em>&#8221;.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"4_%E2%80%93_Definir_une_limite_raisonnable_par_categorie_de_depense\"><\/span><strong>4 &#8211; <\/strong>D\u00e9finir une limite raisonnable par cat\u00e9gorie de d\u00e9pense<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Plus une cat\u00e9gorie de d\u00e9pense est proche de 0 CHF d\u00e9pens\u00e9s, plus on est proche d&#8217;un budget minimaliste parfait !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En revanche, il faut nuancer. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Je ne dis pas que chaque d\u00e9pense doit \u00eatre \u00e0 z\u00e9ro ! Apr\u00e8s des ann\u00e9es de minimalisme, j&#8217;ai moi aussi quelques d\u00e9penses superflues \ud83d\ude0e. Ce n&#8217;est pas honteux ! Mais c&#8217;est un apprentissage \u00e0 apprendre chaque jour.<\/p>\n\n\n\n<h4 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-defa2b0756c66944ff20f3835189ab35\" style=\"border-width:5px\"><span class=\"ez-toc-section\" id=\"Quel_pourcentage_maximum_dois-je_depenser_par_categorie_de_depense_%F0%9F%A4%94_%F0%9F%93%9D\"><\/span><strong>Quel pourcentage maximum dois-je d\u00e9penser par cat\u00e9gorie de d\u00e9pense ? \ud83e\udd14<\/strong> \ud83d\udcdd<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Chaque personne a des besoins diff\u00e9rents. C&#8217;est pour cette raison qu&#8217;on appelle un budget financier un &#8221;<em>budget de finances personnelles<\/em>&#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-9daf40f213814327ffdc92d0ca03b217 wp-block-paragraph\"><strong>Dans mon cas, voici un tableau qui indique le maximum \u00e0 d\u00e9penser par cat\u00e9gorie de d\u00e9pense \ud83e\uddd0.<\/strong><\/p>\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\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">D\u00e9pense<\/th><th class=\"has-text-align-center\" data-align=\"center\">Pourcentage que je me limite \u00e0 d\u00e9penser<br>(par rapport \u00e0 mes revenus)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Logement<\/td><td class=\"has-text-align-center\" data-align=\"center\">20%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Transports (v\u00e9hicule)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Assurances <br>(sans compter l&#8217;assurance maladie de base)<\/td><td class=\"has-text-align-center\" data-align=\"center\">2%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Abonnements<\/td><td class=\"has-text-align-center\" data-align=\"center\">1%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Vacances &amp; budget voyage<\/td><td class=\"has-text-align-center\" data-align=\"center\">5%<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Loisirs \/ Divertissements<\/td><td class=\"has-text-align-center\" data-align=\"center\">15%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ces limites peuvent ne pas correspondre \u00e0 tes attentes, mais pour \u00e9tablir un budget minimaliste efficace, chaque d\u00e9pense doit \u00eatre minimis\u00e9e autant que possible.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"5_%E2%80%93_Ne_pas_ajouter_pas_de_nouvelles_depenses_%E2%9D%8C\"><\/span><strong>5 &#8211; Ne pas ajouter pas de nouvelles d\u00e9penses<\/strong> \u274c<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Avec le temps, tu vas mieux g\u00e9rer ton budget personnel et r\u00e9aliser des \u00e9conomies. Un point essentiel pour garder un budget minimaliste est de ne pas ajouter de nouvelles d\u00e9penses.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En v\u00e9rit\u00e9, pourquoi r\u00e9duire des d\u00e9penses si l&#8217;argent \u00e9conomis\u00e9 sert \u00e0 en cr\u00e9er d&#8217;autres inutiles ?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est sans doute, un pas un arri\u00e8re concernant un budget minimaliste. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, si tu arrives \u00e0 \u00e9conomiser, tout ce que tu dois faire c&#8217;est &#8230; ne pas le d\u00e9penser tes \u00e9conomies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"6_%E2%80%93_Mettre_une_partie_des_economies_dans_un_compte_epargne_de_reserve\"><\/span><strong>6 &#8211; Mettre une partie des \u00e9conomies dans un compte \u00e9pargne de r\u00e9serve<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu as r\u00e9ussi \u00e0 diminuer tes d\u00e9penses obligatoires, secondaires et luxueuses. Il te restera certainement plus d&#8217;argent que d&#8217;habitude. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est super \ud83d\udc4dC&#8217;est souvent l&#8217;objetif de cr\u00e9er un budget minimaliste<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon avis, dans le compte r\u00e9serve, il mettre de l&#8217;argent pour mieux g\u00e9rer les impr\u00e9vus financiers occasionnels!<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background has-link-color wp-elements-2ce5e7397f0e30194457254aefd7cfb3\" style=\"background-color:#070039\">\ud83d\udc49 J<strong><span style=\"text-decoration: underline;\">e conseille d&#8217;\u00e9pargner tous les mois jusqu&#8217;\u00e0 atteindre 4 fois les d\u00e9penses mensuelles dans ton compte \u00e9pargne.<\/span><\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">L&#8217;objectif de cette \u00e9pargne est de ne pas s&#8217;inqui\u00e9ter pour des d\u00e9penses impr\u00e9vues, comme par exemple, une urgence chez le m\u00e9decin, chez le dentiste, ou une perte d&#8217;emploi temporaire.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"7_%E2%80%93_Investir_son_argent\"><\/span><strong>7 &#8211; Investir son argent<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-background has-link-color wp-elements-cd1b7bef2ae280db098c559693c34ba2 wp-block-paragraph\" style=\"background-color:#0b0240\">\u26a0\ufe0f <strong>Investir comporte un risque de perte d&#8217;argent. Cet article n&#8217;est pas un conseil d&#8217;investissement<\/strong> !<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une fois que tu ma\u00eetrises ton budget minimaliste et que tu as r\u00e9ussi \u00e0 remplir ton compte \u00e9pargne selon le montant de ton choix. On passe \u00e0 l&#8217;investissement \ud83d\udcb2\ud83d\udcb2<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Avec de bons investissements, tu gagneras de l&#8217;argent avec ce que tu as d\u00e9j\u00e0 investi. Cela r\u00e9duit ta d\u00e9pendance envers l&#8217;argent de ton patron ou de tes clients.<\/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-6495f262021333c225c24b4de07b11c6\">\ud83d\udc49 <strong>De ce fait, une fois un budget minimaliste stable. Il ne faut pas h\u00e9siter \u00e0 ajouter dans un (ou plusieurs) investissements de ton choix, le maximum que tu juges possible chaque mois<\/strong> \ud83d\ude09<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si tu peux \u00e9conomiser 500 CHF par mois, fais un ordre permanent d\u00e8s le premier jour apr\u00e8s avoir re\u00e7u ton salaire pour investir cette somme.<\/p>\n\n\n\n<h4 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-dd5a6dc3dd102f9129c18fed3f85235e\" style=\"border-width:5px\"><span class=\"ez-toc-section\" id=\"Quel_investissent_choisir_pour_un_premier_investissement_%F0%9F%A4%94\"><\/span><strong>Quel investissent choisir pour un premier investissement? \ud83e\udd14<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Selon mon opinion (pas un conseil d&#8217;investissement). Je propose:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compte 3a Global 100 chez Viac ou Finpension. Si tu r\u00e9sides en Suisse<\/li>\n\n\n\n<li>ETF VWRL (global), si tu r\u00e9sides hors Suisse ou USA<\/li>\n\n\n\n<li>ETF S&amp;P500, par exemple ETF VOO, si tu r\u00e9sides aux USA <\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ce sont des placements tr\u00e8s simples et minimalistes, avec un rendement annualis\u00e9 d&#8217;environ 6-10% sur 10 ans.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour plus d&#8217;informations, lis ma page &#8221;<em><a href=\"https:\/\/minimalistefrugaliste.com\/investissement\/\" target=\"_blank\" rel=\"noreferrer noopener\">investissement<\/a><\/em>&#8221;.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#140707\"><strong>Note \u2757 Tout investissement peut provoquer une perte d&#8217;argent. Je ne suis pas responsable des investissements des autres<\/strong> \u2755 <\/h6>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-primary-color has-vivid-red-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\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-b6f283820ccc0a802330804ace96c744\"><strong>Tu as lu toutes les 7 \u00e9tapes afin cr\u00e9er un budget minimalisme.\ud83d\ude09<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une fois que tu auras rempli ton tableau de d\u00e9penses, tu deviendras plus facilement un minimaliste financier.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tu devras comparer, essayer de nouvelles techniques financi\u00e8res, r\u00e9duire des d\u00e9penses, \u00e9quilibrer tes comptes et explorer de nouvelles \u00e9conomies pour respecter ton budget minimaliste et am\u00e9liorer tes finances.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Mais je suis s\u00fbre que tu peux y arriver !<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background has-link-color wp-elements-e3ac4159047bda3cc87fea956552aed4\" style=\"background-color:#04021a\">\ud83d\udd3a Pour rappel, voici les 7 \u00e9tapes pour maitriser un budget minimaliste:<\/h6>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Cr\u00e9er un document ou choisir une appli gestion de budget concernant les finances personnelles.<\/li>\n\n\n\n<li>Noter et analyser toutes les d\u00e9penses. Pour les d\u00e9butants, commencer avec la r\u00e8gle 50 \/ 30 \/ 20.<\/li>\n\n\n\n<li>D\u00e9finir une limite raisonnable \u00e0 d\u00e9penser pour chaque cat\u00e9gorie de d\u00e9pense (par exemple, logement, transport, sorties).<\/li>\n\n\n\n<li>Concernant toutes les d\u00e9penses, les approcher le plus possible de 0. En supprimant toutes les d\u00e9penses inutiles.<\/li>\n\n\n\n<li>Ne pas inventer des nouvelles d\u00e9penses. C&#8217;est un risque lorsqu&#8217;on \u00e9conomise<\/li>\n\n\n\n<li>Ajouter de l&#8217;argent de c\u00f4t\u00e9 dans un compte d&#8217;\u00e9pargne. Afin d&#8217;avoir une r\u00e9serve d&#8217;argent pour les impr\u00e9vus financiers et pour anticiper les d\u00e9penses variables.<\/li>\n\n\n\n<li>Une fois les 6 premieres \u00e9tapes acquises. Investir le maximum dans un investissement rentable avec un virement mensuel. Pour commencer, ne pas h\u00e9siter \u00e0 investir dans un compte 3a par exemple.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" controls src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/06\/minimaliste-et-frugaliste-e3eb22b0-c545-481e-8617-9a1b95ad4672.mp4\"><\/video><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Et toi, que penses-tu de cet article? Le budget minimalisme en 7 \u00e9tapes.<\/p>\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-fef6cda5d2d425552fefd283167f383d\"><span class=\"ez-toc-section\" id=\"Le_budget_minimalisme_en_7_etapes-2\"><\/span>Le budget minimalisme en 7 \u00e9tapes<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_Le_budget_minimaliste_en_7_etapes\"><\/span><strong>FAQ &#8211; Le budget minimaliste en 7 \u00e9tapes<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\"><table class=\"has-fixed-layout\"><thead><tr><th>\u2753 Question<\/th><th>\u2705 R\u00e9ponse<\/th><\/tr><\/thead><tbody><tr><td><strong>Qu\u2019est-ce qu\u2019un budget minimaliste ?<\/strong><\/td><td>M\u00e9thode pour r\u00e9duire les d\u00e9penses superflues et se concentrer sur l\u2019essentiel (besoins, \u00e9pargne, investissements). Objectif : \u00e9conomiser davantage et vivre sans stress financier.<\/td><\/tr><tr><td><strong>Pourquoi cr\u00e9er un budget minimaliste ?<\/strong><\/td><td>\u00c9viter l\u2019endettement, prendre le contr\u00f4le de ses finances, \u00e9pargner pour des projets, r\u00e9duire le stress li\u00e9 \u00e0 l\u2019argent.<\/td><\/tr><tr><td><strong>Le budget minimaliste est-il fait pour tout le monde ?<\/strong><\/td><td>Oui, mais \u00e0 adapter : d\u00e9butants (50\/30\/20), minimalistes (45\/15\/40), hauts revenus + objetif FIRE (30\/15\/55).<\/td><\/tr><tr><td><strong>Comment faire un budget minimaliste en 7 \u00e9tapes ?<\/strong><\/td><td>1. Choisir un outil (Excel, appli). 2. Noter et analyser ses d\u00e9penses. 3. R\u00e9duire les d\u00e9penses secondaires. 4. Fixer des limites par cat\u00e9gorie. 5. \u00c9viter d\u2019ajouter de nouvelles d\u00e9penses. 6. Constituer une \u00e9pargne de r\u00e9serve. 7. Investir l\u2019exc\u00e9dent.<\/td><\/tr><tr><td><strong>Quel outil utiliser pour suivre son budget ?<\/strong><\/td><td>Excel\/Google Sheets (gratuit), YNAB (payant), MoneyMoney (Suisse), comptes bancaires (Zak, Neon).<\/td><\/tr><tr><td><strong>Comment noter et analyser ses d\u00e9penses ?<\/strong><\/td><td>Classer chaque d\u00e9pense en 3 cat\u00e9gories : essentiel (50%), plaisirs (30%), \u00e9pargne\/investissements (20%). Utiliser des couleurs pour visualiser les d\u00e9passements.<\/td><\/tr><tr><td><strong>Comment r\u00e9duire ses d\u00e9penses secondaires ?<\/strong><\/td><td>Voyages hors saison, r\u00e9silier les abonnements inutiles, acheter en vrac, limiter les restaurants, passer \u00e0 une banque sans frais.<\/td><\/tr><tr><td><strong>Quelles limites fixer par cat\u00e9gorie de d\u00e9pense ?<\/strong><\/td><td>Exemple : Logement (20%), Transports (7%), Assurances (2%), Loisirs (15%), \u00c9pargne et investissements (40%). \u00c0 adapter selon ton mode de vie.<\/td><\/tr><tr><td><strong>Pourquoi ne pas ajouter de nouvelles d\u00e9penses ?<\/strong><\/td><td>L\u2019objectif est de simplifier sa vie financi\u00e8re. Transf\u00e8re l\u2019argent \u00e9conomis\u00e9 vers l\u2019\u00e9pargne ou les investissements.<\/td><\/tr><tr><td><strong>Combien \u00e9pargner dans son compte de r\u00e9serve ?<\/strong><\/td><td>3 \u00e0 6 mois de d\u00e9penses essentielles (ex : 6 000\u201312 000 CHF pour 2 000 CHF\/mois). Placer sur un compte \u00e9pargne (ex : Zak, Neon).<\/td><\/tr><tr><td><strong>Quand commencer \u00e0 investir ?<\/strong><\/td><td>D\u00e8s que ton compte de r\u00e9serve est rempli et que ton budget est stable.<\/td><\/tr><tr><td><strong>Quel investissement choisir pour d\u00e9buter ?<\/strong><\/td><td>Suisse : 3a Global 100 (Viac\/Finpension). Europe: ETF VWRL (monde). USA : VOO (S&amp;P 500).<\/td><\/tr><tr><td><strong>Combien investir chaque mois ?<\/strong><\/td><td>20\u201350% selon tes revenus et tes d\u00e9penses obligatoires (ex : \u00e9pargner 900 CHF si ton revenu est de 4&#8217;500 CHF de revenu).<\/td><\/tr><tr><td><strong>Que faire si je d\u00e9passe toujours mon budget ?<\/strong><\/td><td>Identifier la cause (d\u00e9penses essentielles ou plaisirs), utiliser la m\u00e9thode des enveloppes, automatiser l\u2019\u00e9pargne.<\/td><\/tr><tr><td><strong>Comment rester motiv\u00e9(e) avec un budget minimaliste ?<\/strong><\/td><td>Visualiser ses objectifs, c\u00e9l\u00e9brer les petites victoires, rejoindre une communaut\u00e9 (ex : groupes Facebook &#8220;Minimalisme Suisse&#8221;).<\/td><\/tr><tr><td><strong>Le budget minimaliste est-il compatible avec une vie sociale ?<\/strong><\/td><td>Oui ! Privil\u00e9gier les activit\u00e9s gratuites (randonn\u00e9e, pique-nique), organiser des repas partag\u00e9s, offrir des cadeaux faits main.<\/td><\/tr><\/tbody><\/table><\/figure>\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=1276\" 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-77b97fe5 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\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/les-5-erreurs-a-eviter-quand-on-debute-en-bourse\/\">Les 5 erreurs \u00e0 \u00e9viter quand on d\u00e9bute en bourse<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-en-bourse-le-guide-complet-pour-debutant-en-7-etapes\/\">Comment investir en bourse ? Le guide complet pour d\u00e9butant en 7 \u00e9tapes<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-inflation-influence-richesse\/\">Comment l&#8217;Inflation influence ta richesse?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-annees-atteindre-liberte-financiere-fire\/\">Combien d&#8217;ann\u00e9es pour atteindre sa libert\u00e9 financi\u00e8re FIRE?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/regle-4\/\">R\u00e8gle des 4%: La r\u00e8gle d&#8217;or pour l&#8217;ind\u00e9pendance financi\u00e8re<\/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-3f93acef4b70ccc4ca10ffce460f03fd 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-5daf2f135bed92bf2dd6844d889bcc42\"><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\">De ce fait, 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 l&#8217;objectif de 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","protected":false},"excerpt":{"rendered":"<p>Do you want to understand how to manage your personal finances? Here is this article which summarizes in 7 steps how to create a minimalist budget.<\/p>","protected":false},"author":215552267,"featured_media":15780,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":27556,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[33815964,2355060],"tags":[728545382,728545406,728545428,728545429,728545236,728545430,728545425,728544997,728545432,728545426,728544022,728545350,728545424,728545427,728545357,728545431],"class_list":["post-1276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frugalisme","category-minimaliste","tag-3e-pilier-suisse","tag-astuces-economies-suisse","tag-economies-reflechies","tag-epargne-minimaliste","tag-budget-minimaliste","tag-comment-faire-un-budget","tag-etf-pour-debutants","tag-finances-personnelles","tag-gerer-son-argent","tag-gestion-financiere-minimaliste","tag-independance-financiere","tag-investissement-minimaliste","tag-minimalisme-et-argent","tag-regle-50-30-20","tag-reduire-ses-depenses","tag-vie-minimaliste"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le budget minimalisme en 7 \u00e9tapes - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Article simple qui r\u00e9sume comment cr\u00e9er un budget minimalisme en 7 \u00e9tapes. 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