{"id":15404,"date":"2024-09-13T14:02:23","date_gmt":"2024-09-13T12:02:23","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=15404"},"modified":"2026-06-02T09:59:11","modified_gmt":"2026-06-02T07:59:11","slug":"how-much-money-to-have-reserved","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/","title":{"rendered":"How much money do you need in reserve?"},"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>Combien d&#8217;argent faut-il avoir en r\u00e9serve?<\/strong> \ud83e\udd14<\/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\/combien-argent-avoir-reserve\/#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\/combien-argent-avoir-reserve\/#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\/combien-argent-avoir-reserve\/#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\/combien-argent-avoir-reserve\/#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\/combien-argent-avoir-reserve\/#Pourquoi_epargner_est-il_necessaire\" >Pourquoi \u00e9pargner est-il n\u00e9cessaire?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/#La_quantite_depargne_necessaire\" >La quantit\u00e9 d&#8217;\u00e9pargne n\u00e9cessaire?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/#Epargner_daccord_Mais_pas_en_exces\" >\u00c9pargner, d&#8217;accord. Mais pas en exc\u00e8s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/#Lepargne_conseille_selon_les_medias_et_les_frugalistes\" >L&#8217;\u00e9pargne conseill\u00e9 selon les m\u00e9dias et les frugalistes?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/#Epargner_cest_aussi_construire_des_projets\" >\u00c9pargner, c&#8217;est aussi construire des projets ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/#Combien_dargent_faut-il_avoir_en_reserve\" >Combien d&#8217;argent faut-il avoir en r\u00e9serve?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/combien-argent-avoir-reserve\/#FAQ_Combien_dargent_faut-il_avoir_en_reserve\" >FAQ : Combien d\u2019argent faut-il avoir en r\u00e9serve ?<\/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=\"1\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Pourquoi_epargner_est-il_necessaire\"><\/span><strong>Pourquoi \u00e9pargner est-il n\u00e9cessaire?<\/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 lu mes articles sur la mentalit\u00e9 frugaliste, tu sais que je souligne que notre vie d\u00e9pend de 4 facteurs :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La chance<\/li>\n\n\n\n<li>Les opportunit\u00e9s<\/li>\n\n\n\n<li>Les impr\u00e9vus<\/li>\n\n\n\n<li>Notre travail<\/li>\n<\/ul>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-3\"><strong>\ud83d\udc49 Dans les finances, ce n&#8217;est pas diff\u00e9rent !<\/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-4 wp-block-paragraph\"><strong>Par exemple, il est possible que demain :<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ton employeur ou ton client arr\u00eatent de te payer<\/li>\n\n\n\n<li>Un accident peut t&#8217;obliger \u00e0 d\u00e9penser des sommes importantes en soins m\u00e9dicaux<\/li>\n\n\n\n<li>Un \u00e9lectrom\u00e9nager peut \u00eatre d\u00e9fectueux et tu dois en urgence acheter un autre<\/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-5 wp-block-paragraph\">\ud83d\udc49 <strong>Pour \u00e9viter des probl\u00e8mes d&#8217;argent, il suffit d&#8217;\u00e9pargner pour les impr\u00e9vus !<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a9a0ca1c5aae&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a9a0ca1c5aae\" 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=\"1253\" height=\"1253\" data-attachment-id=\"15426\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-1602726-4\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-1602726-edited.jpeg?fit=1253%2C1253&amp;ssl=1\" data-orig-size=\"1253,1253\" 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\/2024\/09\/pexels-photo-1602726-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\/09\/pexels-photo-1602726-edited.jpeg?resize=1253%2C1253&#038;ssl=1\" alt=\"person putting coin in a piggy bank\" class=\"has-border-color has-luminous-vivid-orange-border-color wp-image-15426\" style=\"border-width:8px;width:95px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-1602726-edited.jpeg?w=1253&amp;ssl=1 1253w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-1602726-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-1602726-edited.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-1602726-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, 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https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-1602726-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 has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\"><strong>En revanche, combien d&#8217;argent faudra-t-il avoir en r\u00e9serve pour ces impr\u00e9vus ? \ud83e\udd14<\/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-7\"><span class=\"ez-toc-section\" id=\"La_quantite_depargne_necessaire\"><\/span><strong>La quantit\u00e9 d&#8217;\u00e9pargne n\u00e9cessaire?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, cette question d\u00e9pend de d\u00e9penses futures que nous ne ma\u00eetrisons pas. En effet, personne ne conna\u00eet l&#8217;avenir.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff5b9\" class=\"has-inline-color\">Par cons\u00e9quent, <strong>il n&#8217;y a pas de r\u00e9ponse pr\u00e9cise<\/strong><\/mark> \ud83d\ude36.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Personne ne peut savoir combien nous devrons d\u00e9penser pour les impr\u00e9vus ! Ils sont &#8221;impr\u00e9vus&#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 has-link-color wp-elements-8\" style=\"background-color:#011320\"><strong>\u27a1\ufe0f Par contre, le seul facteur que nous pouvons anticiper qui d\u00e9pend uniquement de nous. C&#8217;est d&#8217;\u00e9pargner une r\u00e9serve importante d&#8217;argent pour ces impr\u00e9vus.<\/strong><\/h6>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a9a0ca1c6326&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a9a0ca1c6326\" class=\"wp-block-image aligncenter size-large is-resized has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" decoding=\"async\" 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\/i.giphy.com\/media\/v1.Y2lkPTc5MGI3NjExZ2lkdnhxYm9kaW43bnBheG5mdGpiaDdxZGphNGtkYWF5OWVsNXV1aCZlcD12MV9pbnRlcm5hbF9naWZfYnlfaWQmY3Q9Zw\/Z8887MH0MPJ7dW1G4c\/giphy.gif?ssl=1\" alt=\"\" class=\"has-border-color has-luminous-vivid-orange-border-color\" style=\"width:76px;height:auto\"\/><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<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-9\"><span class=\"ez-toc-section\" id=\"Epargner_daccord_Mais_pas_en_exces\"><\/span><strong>\u00c9pargner, d&#8217;accord. Mais pas en exc\u00e8s ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\"><strong>\u26a0\ufe0f Cependant, \u00e9pargner demande un juste-milieu \ud83d\udd3a<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 En effet, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcc4\" class=\"has-inline-color\">avoir \u00e9norm\u00e9ment d&#8217;argent en r\u00e9serve n&#8217;est pas la meilleure solution non plus<\/mark><\/strong>. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pourquoi? <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffeca\" class=\"has-inline-color\">Car notre r\u00e9serve d&#8217;argent sera mang\u00e9e par l&#8217;inflation<\/mark><\/strong> \u26a0<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, 100&#8217;000 CHF dans un compte \u00e9pargne aujourd&#8217;hui, aura tr\u00e8s probablement moins de valeur dans 10 ans \ud83e\udd14<\/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-11\" style=\"background-color:#340202\"><strong>\u27a1\ufe0f De ce fait, il faut trouver un \u00e9quilibre entre d\u00e9penses personnelles, \u00e9pargne et investissements !<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color wp-elements-12 wp-block-paragraph\"><strong>\ud83d\udd3aEt c&#8217;est l\u00e0 que nous devons \u00eatre des \u00e9quilibristes financiers!<\/strong><\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a9a0ca1c6b41&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a9a0ca1c6b41\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" decoding=\"async\" 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\/i.giphy.com\/media\/v1.Y2lkPTc5MGI3NjExcHRyZDRlZzZ5b2tjZW9sYXBwb2k0Ymh4MWRzODU3anhvaWZkbG1qdiZlcD12MV9pbnRlcm5hbF9naWZfYnlfaWQmY3Q9Zw\/e54pxKWC8GdaYWscpx\/giphy.gif?ssl=1\" alt=\"Combien d'argent faut-il avoir en r\u00e9serve?\" style=\"aspect-ratio:1;width:139px;height:auto\"\/><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 has-pale-pink-color has-text-color has-link-color wp-elements-13 wp-block-paragraph\"><strong>\ud83d\udc49 L&#8217;art d&#8217;investir au maximum notre \u00e9pargne mais en ayant suffisamment d&#8217;argent pour les impr\u00e9vus<\/strong> \ud83d\ude09<\/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-14\"><span class=\"ez-toc-section\" id=\"Lepargne_conseille_selon_les_medias_et_les_frugalistes\"><\/span><strong>L&#8217;\u00e9pargne conseill\u00e9 selon les m\u00e9dias et les frugalistes?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-background has-link-color wp-elements-15\" style=\"background-color:#090046\"><strong>\u27a1\ufe0f La plupart des frugalistes que j&#8217;ai lu proposent d&#8217;\u00e9pargner entre &#8221;<em>3 \u00e0 6 mois de d\u00e9penses mensuelles&#8221;<\/em> pour les impr\u00e9vus \ud83d\udd3a<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est-\u00e0-dire, si tu d\u00e9penses en moyenne 3&#8217;000 CHF par mois par exemple. Il faudrait avoir entre 9&#8217;000 CHF \u00e0 18&#8217;000 CHF de r\u00e9serve.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Au autre exemple, TF1 sur un article, propose au minimum 5 mois de salaire<sup><a href=\"https:\/\/www.tf1info.fr\/conso-argent\/argent-combien-vous-devez-absolument-avoir-de-cote-epargne-2137773.html\">1<\/a><\/sup> .<\/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-16\" style=\"background-color:#040b43\"><strong>\u27a1\ufe0f<\/strong> S<strong>elon mon exp\u00e9rience,  j&#8217;ai d\u00e9cid\u00e9 d&#8217;avoir 4 mois d&#8217;\u00e9pargne. En me basant sur la moyenne de mes d\u00e9penses mensuelles!<\/strong><\/h6>\n\n\n\n<div class=\"wp-block-cover aligncenter\" style=\"min-height:201px;aspect-ratio:unset;\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1232\" height=\"1232\" data-attachment-id=\"15433\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/pexels-photo-2249531-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?fit=1232%2C1232&amp;ssl=1\" data-orig-size=\"1232,1232\" 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 Miguel \\u00c1. Padri\\u00f1\\u00e1n on &lt;a href=\\&quot;https:\/\/www.pexels.com\/photo\/gold-number-4-2249531\/\\&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;pexels-photo-2249531.jpeg&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"pexels-photo-2249531\" data-image-description=\"\" data-image-caption=\"&lt;p&gt;Photo by Miguel \u00c1. Padri\u00f1\u00e1n on &lt;a href=&quot;https:\/\/www.pexels.com\/photo\/gold-number-4-2249531\/&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\/09\/pexels-photo-2249531-edited.jpeg?fit=600%2C600&amp;ssl=1\" class=\"wp-block-cover__image-background wp-image-15433\" alt=\"pexels-photo-2249531.jpeg\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=1232%2C1232&#038;ssl=1\" data-object-fit=\"cover\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?w=1232&amp;ssl=1 1232w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/09\/pexels-photo-2249531-edited.jpeg?resize=200%2C200&amp;ssl=1 200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-60 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#ff8888\" class=\"has-inline-color\">4<\/mark> mois de r\u00e9serve, est-il suffisant ? La vie me r\u00e9pondra \ud83d\ude09<\/strong><\/p>\n<\/div><\/div>\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=\"Epargner_cest_aussi_construire_des_projets\"><\/span><strong>\u00c9<\/strong>pargner, c&#8217;est aussi construire des projets <strong>?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00c9pargner peut aussi ouvrir la voie \u00e0 des projets futurs.<br> Par exemple, l&#8217;achat d&#8217;une maison, le financement des \u00e9tudes ou m\u00eame la pr\u00e9paration d&#8217;une retraite confortable. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">La vie est toujours plus motivante quand on \u00e9pargne pour nos projets personnels.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Sans oublier, une bonne \u00e9pargne contribue \u00e0 r\u00e9duire le stress financier et \u00e0 am\u00e9liorer notre qualit\u00e9 de vie.<\/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-18\"><span class=\"ez-toc-section\" id=\"Combien_dargent_faut-il_avoir_en_reserve\"><\/span><strong>Combien d&#8217;argent faut-il avoir en r\u00e9serve?<\/strong><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_Combien_dargent_faut-il_avoir_en_reserve\"><\/span>FAQ : Combien d\u2019argent faut-il avoir en r\u00e9serve ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\"><table class=\"has-fixed-layout\"><thead><tr><th>Question<\/th><th>R\u00e9ponse<\/th><\/tr><\/thead><tbody><tr><td><strong>Pourquoi \u00e9pargner est-il n\u00e9cessaire en 2026 ?<\/strong><\/td><td>\u00c9pargner est <strong>essentiel pour faire face aux impr\u00e9vus<\/strong> (pannes, frais m\u00e9dicaux, perte de revenu) et aux <strong>4 piliers financiers<\/strong> : chance, opportunit\u00e9s, impr\u00e9vus et travail. Sans <strong>r\u00e9serve financi\u00e8re<\/strong>, ces situations peuvent devenir stressantes ou co\u00fbteuses.<\/td><\/tr><tr><td><strong>Combien faut-il \u00e9pargner pour les impr\u00e9vus en Suisse ?<\/strong><\/td><td>Il n\u2019y a pas de montant universel, mais les <strong>experts en gestion de patrimoine<\/strong> recommandent <strong>3 \u00e0 6 mois de d\u00e9penses courantes<\/strong>. Par exemple, si tes <strong>d\u00e9penses mensuelles<\/strong> sont de <strong>3 000 CHF<\/strong>, vise <strong>9 000 \u00e0 18 000 CHF<\/strong> de <strong>fonds d\u2019urgence<\/strong>.<\/td><\/tr><tr><td><strong>Quelle est la r\u00e9serve d\u2019urgence id\u00e9ale selon les frugalistes ?<\/strong><\/td><td>Les <strong>frugalistes<\/strong> et <strong>conseillers financiers<\/strong> sugg\u00e8rent <strong>3 \u00e0 6 mois de d\u00e9penses<\/strong>. Certains m\u00e9dias (comme TF1) proposent <strong>5 mois de salaire<\/strong>. En Suisse, o\u00f9 le co\u00fbt de la vie est \u00e9lev\u00e9, une <strong>r\u00e9serve financi\u00e8re solide<\/strong> est encore plus cruciale.<\/td><\/tr><tr><td><strong>Quel est ton choix personnel pour ta r\u00e9serve d\u2019urgence ?<\/strong><\/td><td>J\u2019ai opt\u00e9 pour <strong>4 mois de d\u00e9penses moyennes<\/strong> comme <strong>\u00e9pargne de pr\u00e9caution<\/strong>. C\u2019est un <strong>\u00e9quilibre financier<\/strong> qui me permet de dormir sur mes deux oreilles, tout en \u00e9vitant que mon argent ne perde en valeur \u00e0 cause de <strong>l\u2019inflation en Suisse<\/strong>.<\/td><\/tr><tr><td><strong>Faut-il \u00e9pargner trop ? Quels sont les risques ?<\/strong><\/td><td>Non, car <strong>l\u2019inflation en 2026<\/strong> r\u00e9duit la valeur de ton argent. Par exemple, <strong>100 000 CHF<\/strong> sur un <strong>compte \u00e9pargne classique<\/strong> vaudront moins dans 10 ans. Il faut donc <strong>trouver un \u00e9quilibre<\/strong> entre <strong>\u00e9pargne de pr\u00e9caution<\/strong>, <strong>d\u00e9penses<\/strong> et <strong>investissements rentables<\/strong>.<\/td><\/tr><tr><td><strong>Comment prot\u00e9ger son \u00e9pargne contre l\u2019inflation ?<\/strong><\/td><td>En <strong>investissant une partie<\/strong> de ton \u00e9pargne dans des <strong>actifs g\u00e9n\u00e9rateurs de rendement<\/strong> : <strong>ETF mondiaux<\/strong>, <strong>actions suisses<\/strong>, <strong>immobilier locatif<\/strong> ou <strong>comptes \u00e9pargne \u00e0 taux \u00e9lev\u00e9<\/strong>. L\u2019objectif est de <strong>faire fructifier ton capital<\/strong> tout en gardant une <strong>liquidit\u00e9 suffisante<\/strong>.<\/td><\/tr><tr><td><strong>\u00c0 quoi sert l\u2019\u00e9pargne en plus des impr\u00e9vus ?<\/strong><\/td><td>L\u2019\u00e9pargne permet de <strong>financer des projets<\/strong> : <strong>achat immobilier en Suisse<\/strong>, <strong>\u00e9tudes<\/strong>, <strong>retraite anticip\u00e9e (FIRE)<\/strong>, ou <strong>voyages<\/strong>. Elle r\u00e9duit aussi le <strong>stress financier<\/strong> et am\u00e9liore ta <strong>qualit\u00e9 de vie<\/strong>.<\/td><\/tr><tr><td><\/td><td><\/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><\/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=15404\" 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\/entretien-radinserein-fr-minimalistefrugaliste\/\">Entretien Radinserein.fr &#8211; MinimalisteFrugaliste<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/7-erreurs-ne-pas-faire-souhaite-desencombrer\/\">7 erreurs \u00e0 ne pas faire lors qu&#8217;on souhaite d\u00e9sencombrer<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/debarrasser-top-10-astuces\/\">D\u00e9barrasser : Top 10 astuces<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/6-gestes-minimalistes-moins-une-minute\/\">6 gestes minimalistes en moins d&#8217;une minute<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/pourquoi-dire-non-essentiel-minimalisme\/\">Pourquoi Dire Non est Essentiel?<\/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-19 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-20\"><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-21 wp-block-paragraph\">Combien d&#8217;argent faut-il avoir en r\u00e9serve?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In life, there are unforeseen events. Therefore. How much money should you have in reserve? In order to easily turn around<\/p>","protected":false},"author":215552267,"featured_media":15429,"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":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Dans la vie, il y a des impr\u00e9vus. De ce fait. Combien d'argent faut-il avoir en r\u00e9serve? Afin de se retourner facilement","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],"tags":[728542890,728542864,728542942,728542882,728543321,728544051,728544050,728542836,728542822,728544052,728542919,728542820],"class_list":["post-15404","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-frugalisme","tag-article","tag-economiser","tag-epargne","tag-blog","tag-combien","tag-combien-epargner","tag-combien-epargner-faut-il-avoir-en-reserve","tag-comment","tag-frugaliste","tag-imprevus","tag-minimalistefrugaliste","tag-suisse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Combien d&#039;argent faut-il avoir en r\u00e9serve? - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Dans la vie, il y a des impr\u00e9vus. 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