{"id":14766,"date":"2026-05-28T08:13:42","date_gmt":"2026-05-28T06:13:42","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=14766"},"modified":"2026-05-28T11:00:30","modified_gmt":"2026-05-28T09:00:30","slug":"frugalist-psychology-long-term-planning","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/","title":{"rendered":"Frugalist Psychology: Planning and Celebrating Small Victories"},"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>Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 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\/psychologie-frugaliste-planifier-long-terme\/#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\/psychologie-frugaliste-planifier-long-terme\/#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\/psychologie-frugaliste-planifier-long-terme\/#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\/psychologie-frugaliste-planifier-long-terme\/#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\/psychologie-frugaliste-planifier-long-terme\/#Longue_duree_VS_Courte_duree\" >Longue dur\u00e9e VS Courte dur\u00e9e<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Discipline_VS_Motivation\" >Discipline VS Motivation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Independance_financiere\" >Ind\u00e9pendance financi\u00e8re<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Changement_dobjectif_avec_le_temps\" >Changement d&#8217;objectif avec le temps<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Ne_rien_planifier_cest_dependre_des_autres\" >Ne rien planifier, c&#8217;est d\u00e9pendre des autres<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Planifier_sur_le_Long_Terme_et_Celebrer_les_Petites_Victoires\" >Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Psychologie_Frugaliste_Planifier_sur_le_Long_Terme_et_Celebrer_les_Petites_Victoires\" >Psychologie Frugaliste: Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#FAQ_%E2%80%93_Psychologie_frugaliste_et_vision_long_terme\" >FAQ &#8211; Psychologie frugaliste et vision long terme<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Quest-ce_que_la_psychologie_frugaliste\" >Qu\u2019est-ce que la psychologie frugaliste ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Pourquoi_penser_sur_le_long_terme_ameliore_les_finances\" >Pourquoi penser sur le long terme am\u00e9liore les finances ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Le_frugalisme_signifie-t-il_vivre_dans_la_privation\" >Le frugalisme signifie-t-il vivre dans la privation ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Comment_developper_une_mentalite_frugaliste\" >Comment d\u00e9velopper une mentalit\u00e9 frugaliste ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Quel_lien_entre_minimalisme_et_psychologie_frugaliste\" >Quel lien entre minimalisme et psychologie frugaliste ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/#Psychologie_Frugaliste_Planifier_sur_le_Long_Terme_et_Celebrer_les_Petites_Victoires-2\" >Psychologie Frugaliste: Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div 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\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" 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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 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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<p class=\"has-text-align-center wp-block-paragraph\">Pourquoi certaines personnes restent bloqu\u00e9es financi\u00e8rement malgr\u00e9 un salaire correct ?<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Souvent, le probl\u00e8me n\u2019est pas le revenu. C\u2019est notre difficult\u00e9 \u00e0 penser sur le long terme.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notre cerveau adore les r\u00e9compenses rapides : acheter, consommer, se faire plaisir maintenant.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La psychologie frugaliste propose l\u2019inverse : accepter des b\u00e9n\u00e9fices plus lents, mais plus durables.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Et c\u2019est pr\u00e9cis\u00e9ment cette diff\u00e9rence qui peut transformer tes finances, ton stress et ta libert\u00e9.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-2 wp-block-paragraph\"><strong>\ud83d\udc49 La psychologie frugaliste est une psychologie sur le long terme. Mais nous ne sommes pas habitu\u00e9s \u00e0 nous comporter en pensant sur le long terme \ud83d\ude36<\/strong><\/p>\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-3\"><span class=\"ez-toc-section\" id=\"Longue_duree_VS_Courte_duree\"><\/span><strong>Longue dur\u00e9e VS Courte dur\u00e9e<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fc941696d&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fc941696d\" 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=\"1300\" height=\"1300\" data-attachment-id=\"14893\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/hourglass-time-hours-sand-39396-1-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?fit=1300%2C1300&amp;ssl=1\" data-orig-size=\"1300,1300\" 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 Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/clear-glass-with-red-sand-grainer-39396\/\\&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;clear glass with red sand grainer&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"hourglass-time-hours-sand-39396-1\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/clear-glass-with-red-sand-grainer-39396\/&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\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?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\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=1300%2C1300&#038;ssl=1\" alt=\"clear glass with red sand grainer\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-14893\" style=\"width:116px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?w=1300&amp;ssl=1 1300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/hourglass-time-hours-sand-39396-1-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" 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\">Nous sommes habitu\u00e9s \u00e0 nous dire &#8221;<strong><em><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ddfec7\" class=\"has-inline-color\">Si nous avons un objectif. Nous pouvons r\u00e9ussir \u00e0 l&#8217;atteindre rapidement si on se donne \u00e0 fond<\/mark><\/em><\/strong>&#8221;.<\/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-4\"><strong>Je pense que cette th\u00e9orie est juste. Mais \u00e0 4 conditions:<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vivre dans un monde sans impr\u00e9vus<\/li>\n\n\n\n<li>Vivre dans un monde sans d\u00e9pendance d&#8217;autrui<\/li>\n\n\n\n<li>Avoir le temps de travailler pour l&#8217;objectif<\/li>\n\n\n\n<li>Objectif r\u00e9alisable dans une courte dur\u00e9e<\/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-background has-link-color wp-elements-5\" style=\"background-color:#1c0000\">\u27a1\ufe0f <strong>Par contre, notons que la vie et le <a href=\"https:\/\/minimalistefrugaliste.com\/guide-selectionner-banque-bon-marche\/\">frugalisme<\/a> sont tout le contraire. C&#8217;est-\u00e0-dire, du long terme, d\u00e9pendant de facteurs ext\u00e9rieurs, un temps libre limit\u00e9 et un paquet d&#8217;impr\u00e9vus.<\/strong><\/h6>\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-6\"><span class=\"ez-toc-section\" id=\"Discipline_VS_Motivation\"><\/span><strong>Discipline VS Motivation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fc941771c&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fc941771c\" 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=\"1024\" height=\"1024\" data-attachment-id=\"14895\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/discpline-vs-motivation\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" 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=\"discpline Vs Motivation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?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\/2024\/08\/discpline-Vs-Motivation.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-14895\" style=\"width:124px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/discpline-Vs-Motivation.jpg?resize=200%2C200&amp;ssl=1 200w\" 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\">Par exemple, entre faire 1 heure de sport tous les 3 jours ou faire 20 minutes de sport par jour. Nous avons tendance \u00e0 pr\u00e9f\u00e9rer faire une heure de sport tous les 3 jours.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center\"><strong>\ud83d\udc49 Pourquoi? <\/strong>C<strong>&#8216;est plus simple de vivre dans l&#8217;\u00e9motion d&#8217;une motivation temporaire que de vivre dans la r\u00e9gularit\u00e9 de la discipline.<\/strong><\/h6>\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>Et selon mon avis, les choses les plus importantes de la vie, comme par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La sant\u00e9<\/li>\n\n\n\n<li>Les liens sociaux avec les proches importants<\/li>\n\n\n\n<li>Une passion<\/li>\n\n\n\n<li>Les finances personnelles<\/li>\n\n\n\n<li>Le rendement des investissements<\/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-8 wp-block-paragraph\"><strong>Il vaut mieux \u00eatre r\u00e9gulier dans la discipline que d&#8217;avoir une motivation sporadique<\/strong> \ud83d\udd3a<\/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>Avec les finances, c&#8217;est le m\u00eame principe <\/strong>\ud83d\ude09<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si on va au supermarch\u00e9. A quoi bon vouloir \u00e9conomiser 5 CHF en \u00e9vitant d&#8217;acheter quelques fruits. Et tout de suite apr\u00e8s, aller au fast-food du coin et payer 20 CHF le menu?<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\">\ud83d\udc49 <strong>Souvent, la discipline remporte sur des motivations temporaires.<\/strong><\/p>\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-11\"><span class=\"ez-toc-section\" id=\"Independance_financiere\"><\/span><strong>Ind\u00e9pendance financi\u00e8re<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fc94187c1&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fc94187c1\" 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=\"867\" height=\"867\" data-attachment-id=\"14899\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-8296981-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" 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 Mikhail Nilov on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/person-holding-black-calculator-while-using-laptop-8296981\/\\&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 holding black calculator while using laptop&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-8296981\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Mikhail Nilov on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/person-holding-black-calculator-while-using-laptop-8296981\/&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\/2024\/08\/pexels-photo-8296981-edited.jpeg?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\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"person holding black calculator while using laptop - Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-14899\" style=\"width:128px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-8296981-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\" \/><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\">Globalement, apr\u00e8s avoir calcul\u00e9 nos d\u00e9penses et revenus, ainsi qu&#8217;une estimation des rendements futurs d&#8217;un investissement, nous pr\u00e9voyons d&#8217;atteindre l&#8217;ind\u00e9pendance financi\u00e8re apr\u00e8s X ann\u00e9es.<\/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-12\">\u27a1\ufe0f <strong>Bien que nous ayons fait des calculs ultra pr\u00e9cis et en ayant un contr\u00f4le extr\u00eame de nos finances pendant des ann\u00e9es. Des impr\u00e9vus arriveront et nous serons oblig\u00e9s de nous adapter.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-13 wp-block-paragraph\"><strong>Par exemple, \u00e0 cause d&#8217;un:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Changement de salaire<\/li>\n\n\n\n<li>Inflation<\/li>\n\n\n\n<li>Impr\u00e9vu tr\u00e8s d\u00e9pensier<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#260000\"><strong>\ud83d\udd3a Nous, \u00eatres humains, concernant les finances personnelles et les futurs rendements de nous investissements, nous aimons r\u00e9aliser des calculs simples et pr\u00e9cis. Ensuite, nous aimons imaginer notre vie suite \u00e0 nos calculs financiers.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-14 wp-block-paragraph\"><strong>\ud83d\udc49 Mais on oublie que sur une longue dur\u00e9e. Ce n&#8217;est jamais aussi pr\u00e9visible et aussi simple comme on le pense.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-15 wp-block-paragraph\"><strong>Par exemple, les d\u00e9butants frugalistes <em>(comme moi au d\u00e9but)<\/em>. Ils ont tendance \u00e0 prendre la r\u00e8gle des 4% comme une r\u00e8gle pr\u00e9cise.<\/strong><\/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-16\">\ud83d\udd3a<strong>Alors qu&#8217;en r\u00e9alit\u00e9, selon mon avis, c&#8217;est une r\u00e8gle grosso-modo. C&#8217;est-\u00e0-dire, \u00e0 utiliser uniquement comme fil conducteur.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est logique ! <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cette r\u00e8gle est bas\u00e9e sur des performances boursi\u00e8res pass\u00e9es. Et nous avons tendance \u00e0 oublier que le pass\u00e9 n&#8217;a pas obligatoirement un lien le futur. La bourse &#8230; varie chaque jour<sup><a href=\"https:\/\/fr.finance.yahoo.com\/quote\/SPY\/performance\/\">1<\/a><\/sup>.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En cons\u00e9quence, nos pr\u00e9visions financi\u00e8res ne sont que des &#8230; pr\u00e9visions.<\/p>\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-17\"><span class=\"ez-toc-section\" id=\"Changement_dobjectif_avec_le_temps\"><\/span><strong>Changement d&#8217;objectif avec le temps<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Nous avons tendance \u00e0 oublier que, sur une longue dur\u00e9e, nous changeons souvent d&#8217;objectifs personnels. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En effet, plus nous grandissons, plus nous avons tendance \u00e0 penser diff\u00e9remment. Parfois, il arrive que nous changions d&#8217;avis avec le temps.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Avec l&#8217;argent, c&#8217;est pareil !<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-18 wp-block-paragraph\"><strong>Les objectifs que nous avons aujourd&#8217;hui avec l&#8217;argent ne seront pas obligatoirement les m\u00eames objectifs dans le futur. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tout simplement, car nous aurons possiblement d&#8217;autres opportunit\u00e9s dans le future que nous n&#8217;avons pas aujourd&#8217;hui.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Au fond, le frugalisme c&#8217;est cela : une pens\u00e9e long terme, bas\u00e9e sur une consommation conscience et une vie simple, afin d&#8217;obtenir plus tard une libert\u00e9 financi\u00e8re.<\/p>\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=\"Ne_rien_planifier_cest_dependre_des_autres\"><\/span><strong>Ne rien planifier, c&#8217;est d\u00e9pendre des autres<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fc9419eeb&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fc9419eeb\" 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=\"1880\" height=\"1253\" data-attachment-id=\"14900\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/psychologie-frugaliste-planifier-long-terme\/pexels-photo-220365\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.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 Pixabay on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/grayscale-photography-of-man-sitting-220365\/\\&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;grayscale photography of man sitting&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-220365\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Pixabay on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/grayscale-photography-of-man-sitting-220365\/&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\/2024\/08\/pexels-photo-220365.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\/2024\/08\/pexels-photo-220365.jpeg?resize=1880%2C1253&#038;ssl=1\" alt=\"grayscale photography of man sitting - Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-14900\" style=\"width:119px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?w=1880&amp;ssl=1 1880w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=1200%2C800&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=1320%2C880&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-220365.jpeg?resize=600%2C400&amp;ssl=1 600w\" 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<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-20\">\ud83d\udd3a <strong>Par contre, ne rien planifier avec nos finances personnelles. C&#8217;est automatiquement vivre de salaire en salaire. <\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-21 wp-block-paragraph\"><strong>Et comme j&#8217;ai souvent \u00e9crit dans ce blog. Vivre de salaire en salaire signifie des moments stressants ainsi que de la d\u00e9pendance financi\u00e8re \u00e0 autrui. Comme par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pas d&#8217;argent en cas d&#8217;impr\u00e9vu financier<\/li>\n\n\n\n<li>D\u00e9pendance \u00e0 100% de l&#8217;argent d&#8217;un patron ou des clients<\/li>\n\n\n\n<li>Pas d&#8217;argent pour un projet personnel<\/li>\n\n\n\n<li>D\u00e9pendance de l&#8217;\u00e2ge officiel de la retraite fix\u00e9 par l&#8217;\u00e9tat<\/li>\n\n\n\n<li>D\u00e9pendance de l&#8217;argent de l&#8217;\u00e9tat lors de la retraite<\/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-22 wp-block-paragraph\"><strong>Par cons\u00e9quent, sur le long terme, mieux vaut planifier nos finances et \u00e9pargner. Mais en acceptant qu&#8217;il y a des risques et des impr\u00e9vus en route \u2757<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Avec de meilleures habitudes financi\u00e8res et une meilleure gestion financi\u00e8re, \u00e9viter la surconsommation devient une \u00e9vidence.<\/p>\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=\"Planifier_sur_le_Long_Terme_et_Celebrer_les_Petites_Victoires\"><\/span><strong>Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96fc941acfd&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96fc941acfd\" 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=\"867\" height=\"867\" data-attachment-id=\"14903\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-1089930-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?fit=867%2C867&amp;ssl=1\" data-orig-size=\"867,867\" 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 Tembela Bohle on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/two-persons-holding-drinking-glasses-filled-with-beer-1089930\/\\&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;two persons holding drinking glasses filled with beer&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-1089930\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Tembela Bohle on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/two-persons-holding-drinking-glasses-filled-with-beer-1089930\/&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\/2024\/08\/pexels-photo-1089930-edited.jpeg?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\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=867%2C867&#038;ssl=1\" alt=\"two persons holding drinking glasses filled with beer - Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-14903\" style=\"width:111px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?w=867&amp;ssl=1 867w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/08\/pexels-photo-1089930-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 867px) 100vw, 867px\" \/><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\">Si j&#8217;ai \u00e9crit une introduction aussi grande. C&#8217;est bien pour une raison \ud83d\ude09<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-light-green-cyan-color has-text-color has-link-color wp-elements-24 is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">&#8221;<strong><em>La vie, le frugalisme et les investissements doivent \u00eatre planifi\u00e9s sur le long terme. Mais en ne pas oubliant de f\u00eater chaque petite victoire<\/em><\/strong>&#8221;<\/p>\n<\/blockquote>\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-25\"><strong>De ce fait, je conseille de f\u00eater chaque petite victoire frugale\ud83e\udd73 <\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu as r\u00e9ussi \u00e0 r\u00e9duire de 10 CHF par mois ton abonnement mensuel? Pr\u00e9pare un bon repas \u00e0 la maison et f\u00eate cela avec un proche. Si tout se passe bien, tu vas \u00e9conomiser 120 dollars par an. 1&#8217;200 dollars sur 10 ans.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ton objectif FIRE est de 600&#8217;000 CHF dans un ETF? Et en ce moment, tu viens de passer de 59&#8217;000 \u00e0 60&#8217;000 CHF dans ton ETF? Ach\u00e8te toi une boisson et f\u00eate \u00e7a avec un proche. Tu as d\u00e9j\u00e0 r\u00e9ussi le 10% de ton objectif! Ce n&#8217;est pas rien.<\/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-background has-link-color wp-elements-26\" style=\"background-color:#0b0026\"><strong>\u27a1\ufe0f Selon mon avis, attendre une seule grande victoire FIRE est une erreur. Car les grandes victoires demandent \u00e9norm\u00e9ment d&#8217;efforts et un peu de &#8230; chance.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pourtant, c&#8217;est une erreur que moi-m\u00eame j&#8217;ai commis. Au d\u00e9but, la seule victoire frugale que je voulais f\u00eater, serait le jour de ma libert\u00e9 financi\u00e8re totale \ud83d\ude36<\/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-27\">\ud83d\udd3a<strong>Alors qu&#8217;au fond, la frugalit\u00e9 m&#8217;a d\u00e9j\u00e0 donn\u00e9 \u00e9norm\u00e9ment d&#8217;aspects positifs que j&#8217;ai oubli\u00e9 de f\u00eater. Par exemple:<\/strong><\/h6>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Je ne stresse plus apr\u00e8s une facture impr\u00e9vue, car j&#8217;ai un compte \u00e9pargne pour ces occasions.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bien que mes revenus passifs ne soient pas (pour l&#8217;instant) suffisants pour payer toutes mes factures. Mes revenus passifs sont suffisants pour payer quelques factures importantes.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mes revenus passifs sont actuellement bien plus int\u00e9ressants que les taux d&#8217;int\u00e9r\u00eat de mon compte \u00e9pargne.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>J&#8217;ai connu des gens incroyables dans ce milieu. De ce fait, j&#8217;ai am\u00e9lior\u00e9 mon c\u00f4t\u00e9 social ainsi que le c\u00f4t\u00e9 professionnel, avec des gens qui ont la m\u00eame passion que moi.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-28\"><span class=\"ez-toc-section\" id=\"Psychologie_Frugaliste_Planifier_sur_le_Long_Terme_et_Celebrer_les_Petites_Victoires\"><\/span><strong>Psychologie Frugaliste: Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-29\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\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-30\"><strong>La vie, le frugalisme et les investissements sont des objectifs plus efficaces sur une longue dur\u00e9e.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Mais nous, \u00eatre humains, nous sommes plus habitu\u00e9s \u00e0 avoir des objectifs sur une courte dur\u00e9e. De ce fait, nous avons du mal \u00e0 avoir un comportement sur une longue dur\u00e9e \ud83d\ude36<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u26a0\ufe0f <strong>Il ne faut pas oublier que <span style=\"text-decoration: underline;\">plus l&#8217;objectif a une dur\u00e9e longue, plus il y a des chances d&#8217;avoir des impr\u00e9vus<\/span>. Et plus il y a aura d&#8217;impr\u00e9vu, plus nous devons nous adapter aux nouvelles situations.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En revanche, viser un grand objectif sur une longue dur\u00e9e ne signifie pas qu&#8217;on va r\u00e9ussir \u00e0 l&#8217;atteindre. De ce fait, il est pr\u00e9f\u00e9rable de f\u00eater les petites victoires pendant le chemin \ud83e\udd73<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-31 wp-block-paragraph\"><strong>\u27a1\ufe0f En v\u00e9rit\u00e9, chaque petite victoire permettra de gagner de l&#8217;exp\u00e9rience et ouvrira des nouvelles portes \ud83d\ude0a<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu souhaites aller plus loin, tu peux aussi lire mon article sur la surconsommation ou mon guide pour \u00e9conomiser en Suisse.<\/p>\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_Psychologie_frugaliste_et_vision_long_terme\"><\/span>FAQ &#8211; Psychologie frugaliste et vision long terme<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-32\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_psychologie_frugaliste\"><\/span>Qu\u2019est-ce que la psychologie frugaliste ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La psychologie frugaliste consiste \u00e0 comprendre ses comportements de consommation afin de d\u00e9penser de mani\u00e8re plus intentionnelle, r\u00e9duire le superflu et construire une vie plus libre financi\u00e8rement.<\/p>\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-33\"><span class=\"ez-toc-section\" id=\"Pourquoi_penser_sur_le_long_terme_ameliore_les_finances\"><\/span>Pourquoi penser sur le long terme am\u00e9liore les finances ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La pens\u00e9e long terme aide \u00e0 \u00e9viter les achats impulsifs, favorise l\u2019\u00e9pargne et permet de construire des habitudes financi\u00e8res plus solides.<\/p>\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-34\"><span class=\"ez-toc-section\" id=\"Le_frugalisme_signifie-t-il_vivre_dans_la_privation\"><\/span>Le frugalisme signifie-t-il vivre dans la privation ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Non. Le frugalisme consiste surtout \u00e0 optimiser ses ressources et supprimer les d\u00e9penses qui n\u2019apportent pas de r\u00e9elle valeur.<\/p>\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-35\"><span class=\"ez-toc-section\" id=\"Comment_developper_une_mentalite_frugaliste\"><\/span>Comment d\u00e9velopper une mentalit\u00e9 frugaliste ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En analysant ses d\u00e9penses, en fixant des objectifs clairs et en privil\u00e9giant les b\u00e9n\u00e9fices futurs plut\u00f4t que les plaisirs imm\u00e9diats.<\/p>\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-36\"><span class=\"ez-toc-section\" id=\"Quel_lien_entre_minimalisme_et_psychologie_frugaliste\"><\/span>Quel lien entre minimalisme et psychologie frugaliste ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Le minimalisme agit surtout sur les objets et l\u2019environnement. La psychologie frugaliste agit davantage sur les habitudes, les d\u00e9cisions et la relation \u00e0 l\u2019argent.<\/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-37\"><span class=\"ez-toc-section\" id=\"Psychologie_Frugaliste_Planifier_sur_le_Long_Terme_et_Celebrer_les_Petites_Victoires-2\"><\/span><strong>Psychologie Frugaliste: Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h1>\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><\/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=14766\" 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\/investir-etranger-taux-change-ne-dit-pas\/\">Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">Comment optimiser son 2\u00e8me pilier?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/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-38 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-39\"><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<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin 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-40 wp-block-paragraph\">Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires<\/p>\n\n\n\n<p class=\"has-background-color has-text-color has-link-color wp-elements-41 wp-block-paragraph\">Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Frugalist Psychology: Planning for the Long Term and Celebrating Small Victories. A big victory is made of small victories \ud83d\ude09<\/p>","protected":false},"author":215552267,"featured_media":14857,"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":27278,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Psychologie Frugaliste: Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires. Une grande victoire est faite de petites victoires \ud83d\ude09","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[33815964,725575],"tags":[728542890,728542882,728543866,728542836,728543994,728542941,728543992,728543988,728542848,728542822,728543271,728542837,728542815,728543986,728542919,728543993,728544112],"class_list":["post-14766","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frugalisme","category-investissement","tag-article","tag-blog","tag-chance","tag-comment","tag-comportement","tag-dependance","tag-discipline","tag-duree","tag-financiere","tag-frugaliste","tag-independance","tag-investir","tag-investissement","tag-long","tag-minimalistefrugaliste","tag-motivation","tag-vie-simple"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Psychologie Frugaliste: Planifier et C\u00e9l\u00e9brer les Petites Victoires - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Psychologie Frugaliste: Planifier sur le Long Terme et C\u00e9l\u00e9brer les Petites Victoires. 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