Purchasing power at half mast, rising energy prices, difficulties in saving … 5 expert tips to get by – Nice-Matin

Nearly three in four French people have the impression that their purchasing power has decreased over the past year. That’s according to an Elabe poll for BFMTV, released last week. And, given the latest increases in the cost of living – gas, fuel, electricity and even taxes – the situation does not seem to improve anytime soon.

At the same time, the poll underlines that eight in ten French people do not trust the government to correct the situation.

Beyond devices like the fuel check announced by Prime Minister Jean Castex, each consumer can therefore try to implement their own solutions.

Thus, two specialists offer a few leads.

Laurence Pavi is a social and family economy advisor, state graduate, at the Var departmental council. Within the local social action department, its regional social unit of Val Gapeau – Golden Islands works with people in great precariousness. The advisor analyzes their situation and guides them in consolidating their finances, in particular through budgetary educational support.

If the public targeted by his skills is particularly vulnerable, the advice and good practices given to him by Laurence Pavi can perfectly apply to each of us.

Like the tips provided by Catherine Sias. The Croesus Var association, of which she is the president, fights against exclusion, particularly financial. It is labeled “budget advice point”. And if most of the people who benefit from the support of Croesus “often come too late“, the purpose of the association is above all to do prevention.

# 1 Eestablish a budget

It seems to make sense, but in reality it is not obvious and many French people are not particularly rigorous when it comes to managing their budget. Thus, according to a study by the Banque de France published in 2019, 29% of our fellow citizens tend to live from day to day, without thinking about the next day, while only 41% of them set financial goals.

However, establishing a budget is, according to Laurence Pavi, the central point of the management of financial resources.

“First of all, she explains, you have to make a precise inventory of your financial situation.“In other words, knowing precisely your resources and fixed expenses. To do this,”we rely on his last three account statements. “

Catherine Sias specifies that in any case, if you have an overdraft authorization, it should not be included in your budget. Yet it is, she says, a bad habit that many consumers have.