How to save well. Our 7 tips

We often forget that when it comes to numbers, but the investment is first investing in the self, betting your destiny on your future. Reflex, whose women have been deprived of long ago, because they have grew up in the opposite idea that they must first be devoted to others. After six months after the Law of July 13, 1965, which allowed them to open a bank account without their husband’s permission, they realized that their autonomy depends on their financial independence. Women who dare invest in, everyone had this click. Give yourself free ways to protect yourself from financial shocks and lifers. This is pushing them. It is no coincidence that the word “investment” comes from Latin investigatewhich means to dress, surround. To the reality, which you need to face well, women need to learn to protect themselves.

It should be reminded that in 2024 the salary inequalities have yet reached 13.9%. Women who live in a heterosexual couple, on average, perceive their wife. If they have children, they suffer “maternal penalty”. Five years after their first-year-old arrival, their income decreased by 20%. Then it comes a possible “shock shock”. Almost one of the two marriages led to divorce, and women, then in the living standards of cash, with 3% for men, the female foundation is celebrated. Their pension pensions are 40% lower than men, while they live for another six years. These figures speak for themselves. Savings and investments are no longer luxury but extraordinary emergency. To understand our advice on how to settle down enough money aside, start.

Ensure your income

The first reflex may seem obvious. “Open a bank account, ensure that your salary is paid to this personal account as well as special social benefits for you. It should be reminded that 23% of women in France have no personal bank account according to the IFOP research of 2024. Therefore, the importance, funding, as in life, to keep its place.

Negotiate with her husband

Installing financial features is half essential, even if it does not lead to joy from this point of view. According to the 2025 media, 36% of the “pairs” produced by couples occupied 50/50, and 75% of women earn less than their spouse. “It simply came to our notice then that there was no other place,” the writer’s author said. Price to pay (Ed. Bonds that release). Now it’s time to adopt as 24% of couples. In other words, everyone is participating in the family budget until their income. You can also think of whether the time and mental accusation in the family service, in one way, “reimbursed” financially or take into account the distribution of expenses. Women’s time is valuable … Invisible work. If you are in doubt, read a few numbers from the beginning of this article early on this article.

Priority

View your bank account once a week, arrange “Date of moneyWith yourself once. These meetings allow you to handle your expenses and avoid being found and disappointed as much as possible. We also see savings as deprivation. In contributions itself is to pay first. As you receive your income, you automate 20% (ideal) transmission to its savings and its investments. This money will be used to bring his dreams to life without hanging his wife and thus shining in his life.

Apply 50/30/20

Ideally, 50% of the budget should be used for constrained expenses for 30% wishes, and 20% for investment and savings. For the first Date of money Together with us, we collect his last three accounts, and we put his expenses like Mary Kondo in finance. Unnecessary subscriptions to transform insurance, emotional expenses to reset insurance … during the recent master class MEDIME FIGARO “Strategy” consultant and “Heritage” organization, “Heritage” organization, is proposed to leave a “security mattress” of the three months’ budget (what we spend every day) independent of booklets or life insurance.

Start

In Lattété factor (Ed. Other World), David Bach shows that avoiding small expenses is as useful for keeping the restriction of great purchases. He takes a latte coffee pattern that bought $ 5 every day. If we invest this amount in 10% reporting annual placement, the accumulated amount will be about millions of years later. The yield is ambitious, but the reasoning speaks. You can also save the rounding on its costs. In an old stylish wallet or genz z via with its bank card. Some programs (plums, goin) and banks (CRODIT AGRICOLE, Société Générale, Hello Bello Bank, Monabanq, Ma Mon French Bank, Revolut).

Reinstall with the right tools

Bankin ‘, Linxo, GoodBudget, Wallet, YNab … We no longer count budget management programs, free or paid, which help not be. A little bit like your calorie phone or a variety of bus water is measured in one day. We can motivate us in paper version My budget on automatic pilot,According to Maeva Derby (Ed. Alisio) that allows you to objective its savings.

Ask to add

“Be the mosaic in your boss’s shoe.” “In his book, he advises Clara Molly Game rules: (Ed. Dunod). Why leave this item when men’s partners are likely to be better paid? Add, you need to accept a problem. Enter one’s role who is negotiating and who will not be irritated. We can negotiate the annual premium, the variable part of your income is indexed to its results. The idea is to raise your “immediate useful” trail to the back of money that, therefore, can install.