{"id":4619,"date":"2025-09-16T20:48:12","date_gmt":"2025-09-16T18:48:12","guid":{"rendered":"https:\/\/clanq.ch\/familienbudget-umfrage\/"},"modified":"2025-09-17T10:58:21","modified_gmt":"2025-09-17T08:58:21","slug":"budget-familial-enquete","status":"publish","type":"post","link":"https:\/\/clanq.ch\/fr\/budget-familial-enquete\/","title":{"rendered":"Budget familial : Oui ou non ?"},"content":{"rendered":"

Comment les parents parviennent-ils \u00e0 garder une vue d’ensemble parmi toutes les d\u00e9penses ? Nous avons voulu en savoir plus et avons pos\u00e9 la question aux parents suisses. Les r\u00e9ponses \u00e0 notre questionnaire qualitatif en ligne le montrent : Chaque famille a sa propre strat\u00e9gie – de \u00ab pas de budget, nous le faisons au feeling \u00bb \u00e0 des tableaux Excel et des objectifs d’\u00e9conomie clairs.<\/span><\/p>\n

Environ la moiti\u00e9 des parents ont \u00e9tabli un budget<\/b><\/h2>\n

Environ la moiti\u00e9 des personnes interrog\u00e9es n’avaient pas de budget familial au moment de l’enqu\u00eate en \u00e9t\u00e9 2025. Certains pr\u00e9voyaient d’en \u00e9tablir un bient\u00f4t, d’autres trouvaient qu’ils s’en sortaient tr\u00e8s bien sans. Les raisons vont du manque de temps \u00e0 l’incertitude sur la meilleure fa\u00e7on d’\u00e9tablir un budget.<\/span><\/p>\n

Voici comment \u00e9tablir un budget familial !<\/span><\/a><\/p>\n

L’autre moiti\u00e9 travaille d\u00e9j\u00e0 avec un budget. 46\u00a0% d’entre eux ne l’actualisent qu’en cas de besoin, 54\u00a0% utilisent pour cela un tableau Excel qu’ils ont cr\u00e9\u00e9 eux-m\u00eames. Qu’il soit simple ou d\u00e9taill\u00e9, l’essentiel est qu’il soit adapt\u00e9 \u00e0 la vie quotidienne.<\/span><\/p>\n

Voici des conseils sur la mani\u00e8re dont tu peux surveiller ton budget.<\/span><\/a><\/p>\n

Les plus grands d\u00e9fis<\/b><\/h2>\n

De nombreux parents rapportent que l’augmentation du co\u00fbt de la vie est un v\u00e9ritable fardeau. Les d\u00e9penses impr\u00e9vues rendent \u00e9galement la planification difficile. Une personne interrog\u00e9e ayant deux enfants (10 et 12 ans) d\u00e9clare \u00e0 ce sujet :<\/span><\/p>\n

\u00ab R\u00e9pondre \u00e0 tous les besoins de chaque membre de la famille est difficile. O\u00f9 \u00e9conomiser et o\u00f9 sommes-nous pr\u00eats \u00e0 investir de l’argent ? \u00bb<\/span><\/p>\n

C’est pourquoi il est judicieux d’int\u00e9grer une petite somme d’argent de secours dans le budget – pour les r\u00e9parations, les frais m\u00e9dicaux ou d’autres surprises.<\/span><\/p>\n

Mais l’\u00e9pargne est \u00e9galement en haut de la liste des d\u00e9fis souvent cit\u00e9s. \u00ab \u00c9conomiser suffisamment d’argent pour la pr\u00e9voyance et l’\u00e9ducation des enfants me pr\u00e9occupe \u00bb, dit par exemple un parent de trois enfants (8, 11 et 13 ans).<\/span><\/p>\n

Bon \u00e0 savoir : Ce que co\u00fbte un enfant<\/span><\/a><\/p>\n

Ne pas remettre l’\u00e9pargne \u00e0 plus tard<\/b><\/h2>\n

Ce que je peux \u00e9pargner aujourd’hui suffira-t-il pour la formation ou la pr\u00e9voyance des enfants ? Ce qui est s\u00fbr, c’est que beaucoup sous-estiment combien de petits montants peuvent repr\u00e9senter. 50 CHF par mois repr\u00e9sentent plus de 10 000 CHF au bout de 18 ans \u2013 et bien plus encore avec les int\u00e9r\u00eats.<\/span><\/p>\n

C’est pourquoi il vaut mieux commencer petit que pas du tout. Ce sont les nombreux petits pas qui font de grandes choses au fil des ans.<\/span><\/p>\n

Le budget familial est un soutien<\/b><\/h2>\n

Notre enqu\u00eate le montre : il n’y a pas une seule bonne voie. L’important est que le budget soit adapt\u00e9 \u00e0 la famille \u2013 que ce soit de mani\u00e8re classique sur papier, dans Excel ou avec une application. Au final, il ne s’agit pas de restrictions, mais de clart\u00e9 sur les r\u00eaves r\u00e9alisables et ceux qui devront attendre encore plus longtemps.<\/span><\/p>\n

Une fois que l’on a fait le premier pas et que l’on conna\u00eet son budget, il est plus facile de prendre des d\u00e9cisions \u2013 et c’est un super soutien, parmi toutes les d\u00e9cisions que les parents doivent de toute fa\u00e7on prendre chaque jour.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

R\u00e9sultats de notre enqu\u00eate qualitative<\/p>\n","protected":false},"author":2,"featured_media":5821,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[38],"tags":[],"class_list":["post-4619","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-fr"],"acf":[],"yoast_head":"\nBudget familial : Oui ou non ? | Blog Clanq<\/title>\n<meta name=\"description\" content=\"Comment les parents parviennent-ils \u00e0 garder une vue d'ensemble sur toutes les d\u00e9penses ? 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