{"product_id":"budget-petits-salaires","title":"Budgeting on a Low Income in France — The Envelope Method (PDF)","description":"\u003cp\u003e\u003cstrong\u003eMoney gone before the end of the month?\u003c\/strong\u003e This guide gives you a simple method to see where your money goes, cut your fixed costs in France and put a little aside, without giving up everything.\u003c\/p\u003e\n\u003ch3\u003eWhat you get\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eThe English edition in PDF, plus the original French edition\u003c\/li\u003e\n\u003cli\u003eA 3-month review to spot where your money leaks\u003c\/li\u003e\n\u003cli\u003eThe envelope method, in cash or with automatic transfers\u003c\/li\u003e\n\u003cli\u003eThe fixed costs to cut first: internet box, mobile, insurance, subscriptions, energy, bank fees\u003c\/li\u003e\n\u003cli\u003e6 call scripts in English and French to renegotiate with your operator, insurer or bank\u003c\/li\u003e\n\u003cli\u003eThe French benefits to check: prime d'activité, housing aid (APL), chèque énergie, C2S health cover\u003c\/li\u003e\n\u003cli\u003eLivret A and LEP savings accounts: rates and ceilings as of 1 November 2026\u003c\/li\u003e\n\u003cli\u003eOverdrafts, credit and buy-now-pay-later: what changes on 20 November 2026\u003c\/li\u003e\n\u003cli\u003e4 printable tools: 3-month review, envelope budget, subscriptions list, week-by-week tracker\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch3\u003eContents\u003c\/h3\u003e\n\u003col\u003e\n\u003cli\u003eWhere your money goes\u003c\/li\u003e\n\u003cli\u003eThe envelope method\u003c\/li\u003e\n\u003cli\u003eThe fixed costs to cut first\u003c\/li\u003e\n\u003cli\u003eGroceries and everyday spending\u003c\/li\u003e\n\u003cli\u003eThe benefits to check\u003c\/li\u003e\n\u003cli\u003eAn emergency fund, even a small one\u003c\/li\u003e\n\u003cli\u003eOverdrafts, credit and debt\u003c\/li\u003e\n\u003cli\u003eMaking it last\u003c\/li\u003e\n\u003c\/ol\u003e\n\u003ch3\u003eWho is it for?\u003c\/h3\u003e\n\u003cp\u003eEnglish speakers on a modest income in France: students, young workers, new arrivals.\u003c\/p\u003e\n\u003ch3\u003eImportant\u003c\/h3\u003e\n\u003cp\u003eThis guide is general information. It is not investment advice or personal financial advice, and no savings are guaranteed. If you are struggling, a Point conseil budget can help you for free.\u003c\/p\u003e\n\u003ch3\u003eFrequently asked questions\u003c\/h3\u003e\n\u003cp\u003e\u003cstrong\u003eHow do I receive the guide?\u003c\/strong\u003e\u003cbr\u003eRight after payment, by email, with your download links: the English edition and the French edition.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eCan I read it on my phone?\u003c\/strong\u003e\u003cbr\u003eYes. It's a PDF: it opens on phone, tablet and computer, and the tools can be printed.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat if the file doesn't work?\u003c\/strong\u003e\u003cbr\u003eWrite to us through the Contact page: we'll replace it or refund you. The conditions are in our refund policy.\u003c\/p\u003e","brand":"Roadbook Guides","offers":[{"title":"Default Title","offer_id":67872125288674,"sku":"RB-ARGENT-BUDGET","price":9.9,"currency_code":"EUR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0844\/7282\/4034\/files\/budget-couverture.webp?v=1793622487","url":"https:\/\/nextsteproadbook.store\/en-eu\/products\/budget-low-income-france","provider":"Roadbook Guides","version":"1.0","type":"link"}