说明
Si tenir un budget peut sembler fastidieux, c’est pourtant particulièrement utile quand les fins de mois sont difficiles et que vous disposez de faibles ressources.
Établir un budget : à quoi ça sert ?
Il est important d’établir un budget car celui-ci permet de :
- Connaître sa situation financière et dépenser mieux.
- Assurer un suivi des factures à payer, planifier ses dépenses et anticiper les évolutions de ses comptes.
- Connaître sa capacité d’épargne afin de placer un peu d'argent, se faire plaisir (sorties/vacances), planifier des achats sans s’endetter (ménager, mobilier), faire face aux imprévus (panne de voiture, remplacement d’un ordinateur ou d’un téléphone portable) et préparer l’avenir.
- Identifier les gaspillages et les dépenses inutiles pour mieux comprendre et améliorer son mode de consommation afin d’éviter de s’endetter.
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