{"id":6843,"date":"2025-07-14T09:22:17","date_gmt":"2025-07-14T07:22:17","guid":{"rendered":"https:\/\/wigl.fr\/?post_type=academy&#038;p=6843"},"modified":"2025-07-14T12:27:11","modified_gmt":"2025-07-14T10:27:11","slug":"epargne-de-securite","status":"publish","type":"academy","link":"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/epargne-de-securite\/","title":{"rendered":"\u00c9pargne de s\u00e9curit\u00e9 : votre bouclier financier contre les impr\u00e9vus"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6843\" class=\"elementor elementor-6843\" data-elementor-post-type=\"academy\">\n\t\t\t\t<div class=\"elementor-element elementor-element-093205e e-flex e-con-boxed e-con e-parent\" data-id=\"093205e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2341f elementor-widget elementor-widget-heading\" data-id=\"fb2341f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Face aux incertitudes de la vie quotidienne, l'\u00e9pargne de s\u00e9curit\u00e9 repr\u00e9sente votre meilleure protection contre les coups durs. Que ce soit une panne de voiture, une facture m\u00e9dicale inattendue ou une perte d'emploi, avoir un matelas de s\u00e9curit\u00e9 vous permet de traverser ces \u00e9preuves sans compromettre votre stabilit\u00e9 financi\u00e8re.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-048cdc2 e-flex e-con-boxed e-con e-parent\" data-id=\"048cdc2\" data-element_type=\"container\" data-e-type=\"container\" id=\"academy-article-content\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1216927 e-con-full e-flex e-con e-child\" data-id=\"1216927\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a03429 elementor-widget elementor-widget-heading\" data-id=\"3a03429\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu'est-ce que l'\u00e9pargne de s\u00e9curit\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ad18c4 elementor-widget elementor-widget-text-editor\" data-id=\"7ad18c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;\u00e9pargne de s\u00e9curit\u00e9, \u00e9galement appel\u00e9e <b>\u00e9pargne de pr\u00e9caution<\/b> ou fonds d&rsquo;urgence, est une r\u00e9serve d&rsquo;argent que vous mettez de c\u00f4t\u00e9 sp\u00e9cifiquement pour faire face aux d\u00e9penses impr\u00e9vues. Cette somme doit \u00eatre imm\u00e9diatement accessible et sans frais pour vous permettre de r\u00e9agir rapidement en cas de besoin urgent.<\/p><p>Contrairement \u00e0 <a href=\"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/\">l&rsquo;\u00e9pargne d\u00e9di\u00e9e \u00e0 vos projets<\/a> (voyage, achat immobilier, etc.), l&rsquo;\u00e9pargne de s\u00e9curit\u00e9 n&rsquo;a <b>qu&rsquo;un seul objectif<\/b> : vous prot\u00e9ger des al\u00e9as de la vie. Elle vous \u00e9vite de recourir au d\u00e9couvert bancaire, aux cr\u00e9dits \u00e0 la consommation ou de puiser dans vos placements long terme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a52fcfa e-con-full e-flex e-con e-child\" data-id=\"a52fcfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-67fad52 elementor-widget elementor-widget-heading\" data-id=\"67fad52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pourquoi l'\u00e9pargne de s\u00e9curit\u00e9 est-elle essentielle ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad40308 elementor-widget elementor-widget-heading\" data-id=\"ad40308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Une protection contre l'endettement<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c5f075 elementor-widget elementor-widget-text-editor\" data-id=\"6c5f075\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sans \u00e9pargne de s\u00e9curit\u00e9, vous risquez de vous retrouver dans <b>une spirale d&rsquo;endettement.<\/b> Les d\u00e9couverts bancaires g\u00e9n\u00e8rent des agios importants, souvent entre 15% et 20% annuel. Les cr\u00e9dits \u00e0 la consommation d&rsquo;urgence co\u00fbtent cher et r\u00e9duisent votre capacit\u00e9 d&rsquo;\u00e9pargne future.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b42d1ab elementor-widget elementor-widget-heading\" data-id=\"b42d1ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Un gage de tranquillit\u00e9 d'esprit<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-856437e elementor-widget elementor-widget-text-editor\" data-id=\"856437e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Diff\u00e9rentes \u00e9tudes montrent un lien direct entre <b>\u00e9pargne de pr\u00e9caution et bonheur<\/b>. Disposer d&rsquo;une r\u00e9serve financi\u00e8re r\u00e9duit consid\u00e9rablement l&rsquo;anxi\u00e9t\u00e9 li\u00e9e aux finances et vous permet d&rsquo;aborder l&rsquo;avenir avec plus de s\u00e9r\u00e9nit\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9d9ead7 elementor-widget elementor-widget-heading\" data-id=\"9d9ead7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Une stabilit\u00e9 pour vos autres projets<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48d6841 elementor-widget elementor-widget-text-editor\" data-id=\"48d6841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;\u00e9pargne de s\u00e9curit\u00e9 <b>prot\u00e8ge vos placements long terme<\/b>. En cas d&rsquo;impr\u00e9vu, vous n&rsquo;aurez pas \u00e0 d\u00e9bloquer pr\u00e9matur\u00e9ment vos investissements ou \u00e0 compromettre vos projets immobiliers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-19ac126 e-con-full e-flex e-con e-child\" data-id=\"19ac126\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9b2d682 elementor-widget elementor-widget-heading\" data-id=\"9b2d682\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Combien mettre de c\u00f4t\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6176980 elementor-widget elementor-widget-heading\" data-id=\"6176980\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Les recommandations g\u00e9n\u00e9rales<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49fcad9 elementor-widget elementor-widget-text-editor\" data-id=\"49fcad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Le montant recommand\u00e9 varie selon votre situation :<\/p><ul><li><strong>Salari\u00e9s en CDI ou fonctionnaires :<\/strong> 3 \u00e0 6 mois de d\u00e9penses courantes<\/li><li><strong>Travailleurs ind\u00e9pendants :<\/strong> 6 \u00e0 12 mois de d\u00e9penses courantes<\/li><li><strong>Minimum absolu :<\/strong> l&rsquo;\u00e9quivalent de 3 mois de revenus<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12ad713 elementor-widget elementor-widget-heading\" data-id=\"12ad713\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Calcul personnalis\u00e9<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a9a082 elementor-widget elementor-widget-text-editor\" data-id=\"7a9a082\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pour d\u00e9terminer le montant exact, prenez en compte :<\/p><ul><li>Vos d\u00e9penses mensuelles incompressibles (loyer, factures, alimentation, remboursements de cr\u00e9dits)<\/li><li>Votre situation professionnelle (stabilit\u00e9 de l&#8217;emploi, revenus fluctuants)<\/li><li>Votre profil de risque (certaines personnes ont besoin de plus de s\u00e9curit\u00e9 pour \u00eatre rassur\u00e9es)<\/li><\/ul><p>\u00a0<\/p><p><strong>Exemple concret :<\/strong> Si vous \u00eates en CDI et que vos d\u00e9penses mensuelles s&rsquo;\u00e9l\u00e8vent \u00e0 2 500 \u20ac, votre \u00e9pargne de s\u00e9curit\u00e9 devrait repr\u00e9senter entre 7 500 \u20ac et 15 000 \u20ac.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02cc00b e-con-full e-flex e-con e-child\" data-id=\"02cc00b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd61d2 elementor-widget elementor-widget-heading\" data-id=\"dbd61d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">O\u00f9 placer votre \u00e9pargne de s\u00e9curit\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a84f5c elementor-widget elementor-widget-heading\" data-id=\"1a84f5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Les livrets r\u00e9glement\u00e9s<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fdf7604 elementor-widget elementor-widget-text-editor\" data-id=\"fdf7604\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les livrets d&rsquo;\u00e9pargne r\u00e9glement\u00e9s constituent le placement favoris des fran\u00e7ais pour leur \u00e9pargne de s\u00e9curit\u00e9 :<\/p><ul><li><strong><a href=\"https:\/\/wigl.fr\/en\/academy\/gerer-son-budget\/epargner\/le-livret-a\/\">Livret A <\/a>:<\/strong> taux de 2,4% depuis f\u00e9vrier 2025, plafond de 22 950 \u20ac.<\/li><li><strong>LDDS :<\/strong> m\u00eame taux que le Livret A (2,4%), plafond de 12 000 \u20ac.<\/li><li><strong>LEP (sous conditions de revenus) :<\/strong> taux de 3,5%, plafond de 10 000 \u20ac<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb1367 elementor-widget elementor-widget-heading\" data-id=\"bdb1367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Pourquoi ces placements sont-ils populaires ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2402ed7 elementor-widget elementor-widget-text-editor\" data-id=\"2402ed7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Disponibilit\u00e9 imm\u00e9diate :<\/strong> retraits possibles \u00e0 tout moment<\/li><li><strong>Capital garanti :<\/strong> aucun risque de perte<\/li><li><strong>D\u00e9fiscalisation :<\/strong> int\u00e9r\u00eats exon\u00e9r\u00e9s d&rsquo;imp\u00f4ts<\/li><li><strong>Gratuit\u00e9 :<\/strong> aucun frais de gestion<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-812605f elementor-widget elementor-widget-heading\" data-id=\"812605f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Quelles alternatives aux placements classiques ?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d7d8c1f elementor-widget elementor-widget-text-editor\" data-id=\"d7d8c1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Aujourd\u2019hui, les services de paiement en ligne et les applications financi\u00e8res ne cessent de se diversifier. De nouvelles solutions d\u2019investissement apparaissent, venant parfois concurrencer les placements traditionnels, notamment en mati\u00e8re d\u2019\u00e9pargne de pr\u00e9caution.<\/p><p>Wigl, par exemple, permet de <a href=\"https:\/\/wigl.fr\/en\/les-coffres-wigl\/\">g\u00e9n\u00e9rer des rendements sur des crypto-actifs stables<\/a> via ses coffres, avec des taux souvent plus avantageux que ceux des produits classiques, le tout avec un investissement 100 % liquide et des frais totalement transparents.<\/p><p>Les rendements annuels peuvent atteindre <b>jusqu\u2019\u00e0 6,3 %<\/b> sur l\u2019EURC selon le grade et le plan choisis, et <b>jusqu\u2019\u00e0 7 % <\/b>sur l\u2019USDC.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5d6937f e-con-full e-flex e-con e-child\" data-id=\"5d6937f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-40882a8 elementor-widget elementor-widget-heading\" data-id=\"40882a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Comment constituer rapidement votre \u00e9pargne de s\u00e9curit\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6301ec elementor-widget elementor-widget-heading\" data-id=\"e6301ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00c9tablir un budget rigoureux<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70f22ad elementor-widget elementor-widget-text-editor\" data-id=\"70f22ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La premi\u00e8re \u00e9tape consiste \u00e0 conna\u00eetre exactement vos revenus et d\u00e9penses. Listez toutes vos charges pour identifier les postes o\u00f9 vous pouvez \u00e9conomiser.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-840cec5 elementor-widget elementor-widget-heading\" data-id=\"840cec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Appliquer la r\u00e8gle du \"payez-vous d'abord\"<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2748886 elementor-widget elementor-widget-text-editor\" data-id=\"2748886\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e8s la r\u00e9ception de votre salaire, transf\u00e9rez automatiquement une partie vers votre \u00e9pargne de s\u00e9curit\u00e9. Cette m\u00e9thode garantit que l&rsquo;\u00e9pargne devient une priorit\u00e9.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a99b5a0 elementor-widget elementor-widget-heading\" data-id=\"a99b5a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00c9pargner entre 10% et 20% de vos revenus<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a87c05b elementor-widget elementor-widget-text-editor\" data-id=\"a87c05b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Les experts recommandent d\u2019\u00e9pargner entre 10 % et 20 % de vos revenus chaque mois. Pour un salaire net de 2 000 \u20ac, cela correspond \u00e0 une \u00e9pargne mensuelle comprise entre 200 \u20ac et 400 \u20ac. Si vous avez la possibilit\u00e9 de mettre de c\u00f4t\u00e9 davantage pour atteindre plus vite votre objectif d\u2019\u00e9pargne de s\u00e9curit\u00e9, c\u2019est encore mieux.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b366bcb elementor-widget elementor-widget-heading\" data-id=\"b366bcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Mettre en place des virements automatiques<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c276aad elementor-widget elementor-widget-text-editor\" data-id=\"c276aad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Programmez un virement automatique quelques jours apr\u00e8s la r\u00e9ception de votre salaire. Cette automatisation vous \u00e9vite d&rsquo;oublier et supprime la tentation de d\u00e9penser cet argent.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c4c069 e-con-full e-flex e-con e-child\" data-id=\"7c4c069\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4ef6b6 elementor-widget elementor-widget-heading\" data-id=\"f4ef6b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Les erreurs \u00e0 \u00e9viter avec pour constituer votre \u00e9pargne<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b4594 elementor-widget elementor-widget-heading\" data-id=\"b3b4594\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ne pas confondre \u00e9pargne de s\u00e9curit\u00e9 et \u00e9pargne projet<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d220a4b elementor-widget elementor-widget-text-editor\" data-id=\"d220a4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;\u00e9pargne de s\u00e9curit\u00e9 doit rester exclusivement d\u00e9di\u00e9e aux urgences. N&rsquo;y puisez pas pour financer vos vacances ou vos achats plaisir.<\/p><p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-262c34d elementor-widget elementor-widget-heading\" data-id=\"262c34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00c9pargner en fin de mois<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54e893b elementor-widget elementor-widget-text-editor\" data-id=\"54e893b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c9vitez de dire \u00ab\u00a0j&rsquo;\u00e9pargnerai ce qui reste\u00a0\u00bb. Il est peu probable qu&rsquo;il reste quelque chose. \u00c9pargnez d\u00e8s le d\u00e9but du mois.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd962f7 elementor-widget elementor-widget-heading\" data-id=\"fd962f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Sous-estimer le montant n\u00e9cessaire<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-80564bf elementor-widget elementor-widget-text-editor\" data-id=\"80564bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Beaucoup de Fran\u00e7ais ne pourraient pas faire face \u00e0 une d\u00e9pense impr\u00e9vue de 1 000 \u20ac. Ne sous-estimez pas l&rsquo;importance d&rsquo;une \u00e9pargne de s\u00e9curit\u00e9 suffisante.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cc910 elementor-widget elementor-widget-heading\" data-id=\"22cc910\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Laisser l'argent sur le compte courant<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a7be87 elementor-widget elementor-widget-text-editor\" data-id=\"6a7be87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Votre compte courant ne rapporte rien et vous expose \u00e0 la tentation de d\u00e9penser. Transf\u00e9rez syst\u00e9matiquement vos \u00e9conomies vers des placements d\u00e9di\u00e9s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9b951fc e-con-full e-flex e-con e-child\" data-id=\"9b951fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2cad5 elementor-widget elementor-widget-heading\" data-id=\"2b2cad5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Strat\u00e9gies d'\u00e9pargne adapt\u00e9es aux d\u00e9butants<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6776d0b elementor-widget elementor-widget-heading\" data-id=\"6776d0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">La r\u00e8gle des 50\/30\/20<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af7d603 elementor-widget elementor-widget-text-editor\" data-id=\"af7d603\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cette m\u00e9thode simple r\u00e9partit vos revenus ainsi :<\/p><ul><li>50% pour les d\u00e9penses essentielles<\/li><li>30% pour les loisirs et envies<\/li><li>20% pour l&rsquo;\u00e9pargne et le remboursement de dettes<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8509e48 elementor-widget elementor-widget-heading\" data-id=\"8509e48\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Commencer petit mais commencer maintenant<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ec06c8 elementor-widget elementor-widget-text-editor\" data-id=\"6ec06c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>M\u00eame 50 \u20ac par mois repr\u00e9sentent <b>600 \u20ac par an<\/b>. L&rsquo;important est de cr\u00e9er l&rsquo;habitude et d&rsquo;augmenter progressivement le montant.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db9044b elementor-widget elementor-widget-heading\" data-id=\"db9044b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Fixer des objectifs pr\u00e9cis<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2cf6bca elementor-widget elementor-widget-text-editor\" data-id=\"2cf6bca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9finissez un montant cible pour votre \u00e9pargne de s\u00e9curit\u00e9 et un d\u00e9lai pour l&rsquo;atteindre. Cela vous aidera \u00e0 rester motiv\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d5a64ef e-con-full e-flex e-con e-child\" data-id=\"d5a64ef\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aafc359 elementor-widget elementor-widget-heading\" data-id=\"aafc359\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Une base solide pour votre avenir financier<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a00754 elementor-widget elementor-widget-text-editor\" data-id=\"6a00754\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L&rsquo;\u00e9pargne de s\u00e9curit\u00e9 n&rsquo;est pas un luxe, mais une n\u00e9cessit\u00e9 absolue pour votre stabilit\u00e9 financi\u00e8re. Elle vous prot\u00e8ge des al\u00e9as de la vie et vous permet de construire sereinement vos autres projets d&rsquo;\u00e9pargne et d&rsquo;investissement.<\/p>\n<p>Commencez d\u00e8s aujourd&rsquo;hui, m\u00eame avec un petit montant. L&rsquo;important est de cr\u00e9er cette habitude vertueuse qui vous accompagnera toute votre vie. Avec de la m\u00e9thode et de la r\u00e9gularit\u00e9, vous constituerez rapidement ce pr\u00e9cieux matelas de s\u00e9curit\u00e9 qui vous apportera tranquillit\u00e9 d&rsquo;esprit et libert\u00e9 financi\u00e8re.<\/p>\n<p>N&rsquo;oubliez pas : <b>chaque euro \u00e9pargn\u00e9 vous rapproche de votre objectif <\/b>de s\u00e9curit\u00e9 financi\u00e8re. Votre futur vous en remerciera.<br>Et une fois que cette \u00e9pargne de s\u00e9curit\u00e9 sera constitu\u00e9e, vous pourrez commencer \u00e0 investir et planifier \u00e0 long terme.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"featured_media":6852,"parent":4498,"menu_order":0,"template":"","academy_category":[],"academy_tag":[36],"class_list":["post-6843","academy","type-academy","status-publish","has-post-thumbnail","hentry","academy_tag-gerer-mon-argent"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00c9pargne de s\u00e9curit\u00e9 : votre bouclier financier contre les impr\u00e9vus<\/title>\n<meta name=\"description\" content=\"L&#039;\u00e9pargne de s\u00e9curit\u00e9 est la premi\u00e8re chose \u00e0 construire avant m\u00eame de penser \u00e0 investir. 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