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[null,1,{"$nulls":3},"D'abord, vous répartissez l'argent que vous avez à disposition dans les dix petites enveloppes."]
[]
[{"$nulls":5},"Renseignez-vous pour obtenir les prix les plus justes pour vos dépenses. "]
[{"$nulls":5},"La feuille \"Profils et liens\" peut vous aider si vous êtes connectés à Internet."]
[]
[{"$nulls":5},"L'argent qui reste dans la grande enveloppe est épargné."]
[]
[]
[{"$nulls":6},"La deuxième étape consiste à saisir de façon détaillée, dans les cases grises de la feuille"]
[{"$nulls":6},"\"Mon budget\", les montants que vous avez alloués à chaque poste."]
[null,null,2]
[{"$nulls":6},"     Deux possibilités : ",null,null," - Vous activez le bouton \"Revenu donné\" et vous entrez le montant à disposition dans"]
[{"$nulls":9},"   la première case grise. Dans ce cas, l'épargne est constituée par l'argent non dépensé."]
[]
[{"$nulls":9}," - Vous n'activez pas le bouton \"Revenu donné\". Dans ce cas, le montant"]
[{"$nulls":9},"   à disposition est le montant dépensé."]
[]
[]
[{"$nulls":7},"Ensuite, il vous faut comparer le contenu de vos enveloppes avec"]
[{"$nulls":7},"celles de l'écran \"Mes Enveloppes\"."]
[{"$nulls":3},3]
[{"$nulls":7},"Analysez la réalité économique visualisée par les enveloppes (et le graphique) et réfléchissez"]
[{"$nulls":7},"à son incidence sur votre avenir."]
[{"$nulls":7},"Vous pouvez encore procéder à quelques ajustements…"]
[]
[]
[]
[{"$nulls":8},"La quatrième étape vous permettra de confronter votre"]
[{"$nulls":4},4,{"$nulls":3},"propre budget à  un budget type proche de votre situation."]
[]
[{"$nulls":8},"Le but du jeu étant de s'approcher le plus possible d'un budget type; le gagnant "]
[{"$nulls":8},"sera celui qui aura le moins d'écart avec le budget proposé, donc le plus petit score. "]
[{"$nulls":8},"Cliquer sur le bouton \"Voir le score\" de la feuille \"Budgets types\""]
[{"$nulls":8},"après avoir activé la comparaison avec son budget."]
[]
[]
[{"$nulls":10},"Lors de la  dernière étape vous devrez reprendre votre budget mensuel "]
[{"$nulls":5},5,{"$nulls":4},"et l'organiser cette fois sur 12 mois."]
[]
[{"$nulls":10},"C'est l'occasion de distinguer les dépenses fixes, mensuelles ou non, "]
[{"$nulls":10},"des dépenses variables plus ou moins prévisibles."]
[]
[{"$nulls":10},"Attention, le bouton \"Voir l'événement de l'année\" va vous imposer"]
[{"$nulls":10},"des contraintes inattendues !"]
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[]
[]
[]
[]
[null,"  © Yvan Péguiron / Iconomix - octobre 2010 - version 5.5"]

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[null,"Profil des familles du jeu",{"$nulls":26},"Nom des Pictures"]
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[null,{"$f":"Données!A32","v":1},{"$f":"Données!C32","v":"  Jeune célibataire"},{"$f":"Données!F32","v":"2 pièces"},{"$f":"Données!G32","v":"non"},{"$f":"Données!H32","v":"non"},{"$f":"Données!I32","v":{"v":4730,"d":"4,730.-"}},{"$f":"Données!J32","v":{"v":5400,"d":"5,400.-"}},{"$nulls":19},2,"Picture 69"]
[null,{"$f":"Données!A33","v":2},{"$f":"Données!C33","v":"  Famille monoparentale"},{"$f":"Données!F33","v":"2 pièces"},{"$f":"Données!G33","v":"non"},{"$f":"Données!H33","v":"12 ans"},{"$f":"Données!I33","v":{"v":5050,"d":"5,050.-"}},{"$f":"Données!J33","v":{"v":5600,"d":"5,600.-"}},{"$nulls":19},3,"Picture 77"]
[null,{"$f":"Données!A34","v":3},{"$f":"Données!C34","v":"  Couple de seniors"},{"$f":"Données!F34","v":"3 pièces"},{"$f":"Données!G34","v":"non"},{"$f":"Données!H34","v":"non"},{"$f":"Données!I34","v":{"v":6390,"d":"6,390.-"}},{"$f":"Données!J34","v":{"v":6390,"d":"6,390.-"}},{"$nulls":19},4,"Picture 52"]
[null,{"$f":"Données!A35","v":4},{"$f":"Données!C35","v":"  Couple modeste"},{"$f":"Données!F35","v":"2 1/2 pièces"},{"$f":"Données!G35","v":"non"},{"$f":"Données!H35","v":"non"},{"$f":"Données!I35","v":{"v":5830,"d":"5,830.-"}},{"$f":"Données!J35","v":{"v":6700,"d":"6,700.-"}},{"$nulls":19},5,"Picture 53"]
[null,{"$f":"Données!A36","v":5},{"$f":"Données!C36","v":"  Famille avec 2 petits enfants"},{"$f":"Données!F36","v":"4 pièces"},{"$f":"Données!G36","v":"1 petite"},{"$f":"Données!H36","v":"4 et 8 ans"},{"$f":"Données!I36","v":{"v":7220,"d":"7,220.-"}},{"$f":"Données!J36","v":{"v":7900,"d":"7,900.-"}},{"$nulls":19},6,"Picture 54"]
[null,{"$f":"Données!A37","v":6},{"$f":"Données!C37","v":"  Famille avec 2 grands enfants"},{"$f":"Données!F37","v":"4 1/2 pièces"},{"$f":"Données!G37","v":"1 moyenne"},{"$f":"Données!H37","v":"14 et 17 ans"},{"$f":"Données!I37","v":{"v":8740,"d":"8,740.-"}},{"$f":"Données!J37","v":{"v":9500,"d":"9,500.-"}},{"$nulls":19},7,"Picture 55"]
[null,{"$f":"Données!A38","v":7},{"$f":"Données!C38","v":"  Famille classe moyenne sup."},{"$f":"Données!F38","v":"5 pièces"},{"$f":"Données!G38","v":"1 grande"},{"$f":"Données!H38","v":"10 et 15 ans"},{"$f":"Données!I38","v":{"v":11020,"d":"11,020.-"}},{"$f":"Données!J38","v":{"v":12000,"d":"12,000.-"}},{"$nulls":19},8,"Picture 56"]
[null,{"$f":"Données!A39","v":8},{"$f":"Données!C39","v":"  Famille avec Villa"},{"$f":"Données!F39","v":"villa 6 pièces"},{"$f":"Données!G39","v":"2 voitures"},{"$f":"Données!H39","v":"8, 13, 16 ans"},{"$f":"Données!I39","v":{"v":12130,"d":"12,130.-"}},{"$f":"Données!J39","v":{"v":13000,"d":"13,000.-"}},{"$nulls":19},9,"Picture 57"]
[null,{"$f":"Données!A40","v":9},{"$f":"Données!C40","v":"  Jeune couple non marié, 1 enfant"},{"$f":"Données!F40","v":"3 1/2 pièces"},{"$f":"Données!G40","v":"1 voit, 1 moto"},{"$f":"Données!H40","v":"1 an"},{"$f":"Données!I40","v":{"v":7410,"d":"7,410.-"}},{"$f":"Données!J40","v":{"v":8200,"d":"8,200.-"}},{"$nulls":3},{"$f":"'Feuille à imprimer'!J35","v":0},{"$nulls":15},10,"Picture 58"]
[null,{"$f":"Données!A41","v":10},{"$f":"Données!C41","v":"  Célibataire - exemple Raiffeisen"},{"$f":"Données!F41","v":"2 pièces"},{"$f":"Données!G41","v":"1 moyenne"},{"$f":"Données!H41","v":"non"},{"$f":"Données!I41","v":{"v":5200,"d":"5,200.-"}},{"$f":"Données!J41","v":{"v":5960,"d":"5,960.-"}},{"$nulls":19},11,"Picture 76"]
[null,{"$f":"Données!A42","v":11},{"$f":"Données!C42","v":"  Couple d'indépendants - 1 enfant"},{"$f":"Données!F42","v":"3 1/2 pièces"},{"$f":"Données!G42","v":"1 moyenne"},{"$f":"Données!H42","v":"6 ans"},{"$f":"Données!I42","v":{"v":9470,"d":"9,470.-"}},{"$f":"Données!J42","v":{"v":10525,"d":"10,525.-"}}]
[null,null,{"$f":"Données!C43","v":"   "},{"$f":"Données!F43","v":0},{"$f":"Données!G43","v":0},{"$f":"Données!H43","v":0},{"$f":"Données!I43","v":""},{"$f":"Données!J43","v":""}]
[null,null,{"$f":"Données!C44","v":"  Moyenne suisse* (ménage  2,23 pers.)"},{"$f":"Données!F44","v":"3 pièces"},{"$f":"Données!G44","v":"1 moyenne"},{"$f":"Données!H44","v":"1,23 enf."},{"$f":"Données!I44","v":{"v":7654,"d":"7,654.-"}},{"$f":"Données!J44","v":{"v":8492,"d":"8,492.-"}},{"$nulls":19},"choix :",{"$f":"VLOOKUP(N1,AB6:AC17,2)","v":{"$error":"#N/A"}}]
[null,null,"*selon T20.02.01.06 / bfs.admin.ch (Enquête sur le budget des ménages - OFS 2007)"]
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[]
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[null,"      Liens pour renseignements"]
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[]
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[null,null,"Prix des logements en Suisse",{"$nulls":3},"http://www.immostreet.ch/"]
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[null,null,"Primes d'assurances ",{"$nulls":3},"http://fr.comparis.ch/"]
[]
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[null,null,"Simulateur fiscal pour tous les cantons suisses",{"$nulls":3},"http://www.estv2.admin.ch/f/dienstleistungen/steuerrechner/steuerrechner.htm"]
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[null,null,"Calculateur de salaires de l'Union Syndicale Suisse",{"$nulls":3},"http://www.lohnrechner.ch/index.F.html"]

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[null,"Saisie du budget personnel",{"$nulls":10},true]
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[null,"Recettes nettes"]
[null,"Total",{"$f":"IF(D7>0,\"CHF\",\"\")","v":""},null,null,{"$f":"IF(P1=FALSE,\"\",IF(D7=0,\"                                          Entrez le montant du revenu mensuel !\",\"\"))","v":"                                          Entrez le montant du revenu mensuel !"},null,{"$f":"SUM(H11:H43)","v":{"v":0,"d":"0.-"}},{"$f":"IF(F7=\"\",SUM(I11:I43),\"\")","v":""}]
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[null,"Dépenses mensuelles"]
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[{"$nulls":8},{"v":0,"d":"0.0%"}]
[2,"Assurances",{"$f":"IF(D15>0,\"CHF\",\"\")","v":""},null,null,"maladie / accident (couverture de base) / charges sociales pour les indépendants",null,{"$f":"SUM(D15:D16)","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Assurances"]
[null,null,{"$f":"IF(D16>0,\"CHF\",\"\")","v":""},null,null,"assurance incendie, ménage et responsabilité civile"]
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[3,"Impôts",{"$f":"IF(D18>0,\"CHF\",\"\")","v":""},null,null,"(la charge fiscale varie en fonction du canton)",null,{"$f":"D18","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Impôts"]
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[4,"Alimentation",{"$f":"IF(D20>0,\"CHF\",\"\")","v":""},null,null,"nourriture / boissons",null,{"$f":"D20","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Alimentation"]
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[5,"Ménage",{"$f":"IF(D22>0,\"CHF\",\"\")","v":""},null,null,"produits de lavage et de nettoyage / produits pour le corps / taxes / frais postaux",null,{"$f":"D22+D23","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Ménage"]
[null,null,{"$f":"IF(D23>0,\"CHF\",\"\")","v":""},null,null,"équipement ménager - réparations",null,null,{"v":0,"d":"0.0%"}]
[{"$nulls":8},{"v":0,"d":"0.0%"}]
[6,"Habillement",{"$f":"IF(D25>0,\"CHF\",\"\")","v":""},null,null,"habillement / pressing / chaussures",null,{"$f":"D25","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Habillement"]
[{"$nulls":8},{"v":0,"d":"0.0%"}]
[7,"Transports",{"$f":"IF(D27>0,\"CHF\",\"\")","v":""},null,null,"transports publics",null,{"$f":"D27+D28","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Transports"]
[null,null,{"$f":"IF(D28>0,\"CHF\",\"\")","v":""},null,null,"voiture (taxes / assurances / carburant / entretien) - sans amortissement",null,null,{"v":0,"d":"0.0%"}]
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[8,"Abonnements",{"$f":"IF(D30>0,\"CHF\",\"\")","v":""},null,null,"presse / cotisations",null,{"$f":"D30+D31+D32","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Abonnements"]
[null,null,{"$f":"IF(D31>0,\"CHF\",\"\")","v":""},null,null,"téléphone / radio / télévision",null,null,{"v":0,"d":"0.0%"}]
[null,null,{"$f":"IF(D32>0,\"CHF\",\"\")","v":""},null,null,"fomation / écolage / camps",null,null,{"v":0,"d":"0.0%"}]
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[9,"Dép. personnelles",{"$f":"IF(D34>0,\"CHF\",\"\")","v":""},null,null,"soins corporels / coiffeur / argent de poche / cigarettes / alcool",null,{"$f":"SUM(D34:D35)","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Dép. perso."]
[null,null,{"$f":"IF(D35>0,\"CHF\",\"\")","v":""},null,null,"loisirs / culture / sport"]
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[10,"Divers",{"$f":"IF(D37>0,\"CHF\",\"\")","v":""},null,null,"franchise / médecin / dentiste / opticien",null,{"$f":"D37+D38+D39+D40","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Divers"]
[null,null,{"$f":"IF(D38>0,\"CHF\",\"\")","v":""},null,null,"cadeaux",null,null,{"v":0,"d":"0.0%"}]
[null,null,{"$f":"IF(D39>0,\"CHF\",\"\")","v":""},null,null,"achats / restauration / vacances / imprévus",null,null,{"v":0,"d":"0.0%"}]
[null,null,{"$f":"IF(D40>0,\"CHF\",\"\")","v":""},null,null,"autres",null,null,{"v":0,"d":"0.0%"}]
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["Solde/Prévoyance",null,{"$f":"IF(D43>0,\"CHF\",\"\")","v":""},null,null,"prévoyance 3e pilier / épargne forcée",null,{"$f":"D43+D44","v":{"v":0,"d":"0.-"}},{"v":0,"d":"0.0%"},null,"Prévoyance"]
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["      Exemple Ctrl + E"]
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[null,null,{"$f":"'Mon budget'!H22","v":{"v":0,"d":"0.-"}},null,{"$f":"'Mon budget'!H25","v":{"v":0,"d":"0.-"}},null,{"$f":"'Mon budget'!H27","v":{"v":0,"d":"0.-"}},null,{"$f":"'Mon budget'!H30","v":{"v":0,"d":"0.-"}},{"$nulls":9},"Abonnements",{"$f":"I13","v":{"v":0,"d":"0.-"}},null,"Abonnements",{"$f":"I14","v":{"v":0,"d":"0.-"}}]
[null,null,{"$f":"'Budgets types'!E22","v":{"v":0,"d":"0.-"}},null,{"$f":"'Budgets types'!E25","v":{"v":0,"d":"0.-"}},null,{"$f":"'Budgets types'!E27","v":{"v":0,"d":"0.-"}},null,{"$f":"'Budgets types'!E30","v":{"v":0,"d":"0.-"}},{"$nulls":9},"Dép. personnelles",{"$f":"C18","v":{"v":0,"d":"0.-"}},null,"Dép. personnelles",{"$f":"C19","v":{"v":0,"d":"0.-"}}]
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[null,"Abonnements",null,null,"Dép. personnelles",null,null,"Divers",{"$nulls":9},"Habillement",{"$f":"HLOOKUP($S$1,Table,10)","v":{"$error":"#N/A"}},{"$f":"IF($S$1=0,\"\",S14)","v":""},"Habillement",{"$f":"HLOOKUP($S$2,Table,10)","v":{"$error":"#N/A"}},{"$f":"IF($S$2=0,\"\",V14)","v":""}]
[null,{"$f":"IF($B$7=\"\",\"\",IF($Y$5=1,T17,T17/$B$7))","v":""},null,null,{"$f":"IF($B$7=\"\",\"\",IF($Y$5=1,T20,T20/$B$7))","v":""},null,null,{"$f":"IF($B$7=\"\",\"\",IF($Y$5=1,T22,T22/$B$7))","v":""},null,null,"Epargne",{"$nulls":6},"Transports",{"$f":"HLOOKUP($S$1,Table,11)","v":{"$error":"#N/A"}},{"$f":"IF($S$1=0,\"\",SUM(S15:S16))","v":""},"Transports",{"$f":"HLOOKUP($S$2,Table,11)","v":{"$error":"#N/A"}},{"$f":"IF($S$2=0,\"\",SUM(V15:V16))","v":""}]
[null,{"$f":"IF($B$8=\"\",\"\",IF($Y$5=1,W17,W17/$B$8))","v":""},null,null,{"$f":"IF($B$8=\"\",\"\",IF($Y$5=1,W20,W20/$B$8))","v":""},null,null,{"$f":"IF($B$8=\"\",\"\",IF($Y$5=1,W22,W22/$B$8))","v":""},null,null,{"$f":"IF($B$7=\"\",\"\",IF($Y$5=1,T26,T26/$B$7))","v":""},{"$nulls":7},{"$f":"HLOOKUP($S$1,Table,12)","v":{"$error":"#N/A"}},null,null,{"$f":"HLOOKUP($S$2,Table,12)","v":{"$error":"#N/A"}}]
[{"$nulls":10},{"$f":"IF($B$8=\"\",\"\",IF($Y$5=1,W26,W26/$B$8))","v":""},{"$nulls":6},"Abonnements",{"$f":"HLOOKUP($S$1,Table,13)","v":{"$error":"#N/A"}},{"$f":"IF($S$1=0,\"\",SUM(S17:S19))","v":""},"Abonnements",{"$f":"HLOOKUP($S$2,Table,13)","v":{"$error":"#N/A"}},{"$f":"IF($S$2=0,\"\",SUM(V17:V19))","v":""},"choix zone sensible","A = 1","Variable pour A18:A29"]
[{"$f":"IF($S$1=Z18,\"A\",IF($S$2=Z18,\"B\",\"\"))","v":""},{"$nulls":17},{"$f":"HLOOKUP($S$1,Table,14)","v":{"$error":"#N/A"}},null,null,{"$f":"HLOOKUP($S$2,Table,14)","v":{"$error":"#N/A"}},null,{"$f":"IF(A18<>\"\",Z18+1,0)","v":0},{"$f":"IF(X18=$R$1,1,0)","v":0},1]
[{"$f":"IF($S$1=Z19,\"A\",IF($S$2=Z19,\"B\",\"\"))","v":""},{"$nulls":17},{"$f":"HLOOKUP($S$1,Table,15)","v":{"$error":"#N/A"}},null,null,{"$f":"HLOOKUP($S$2,Table,15)","v":{"$error":"#N/A"}},null,{"$f":"IF(A19<>\"\",Z19+1,0)","v":0},{"$f":"IF(X19=$R$1,1,0)","v":0},2]
["",{"$nulls":16},"Dépenses personnelles",{"$f":"HLOOKUP($S$1,Table,16)","v":{"$error":"#N/A"}},{"$f":"IF($S$1=0,\"\",SUM(S20:S21))","v":""},"Dépenses personnelles",{"$f":"HLOOKUP($S$2,Table,16)","v":{"$error":"#N/A"}},{"$f":"IF($S$2=0,\"\",SUM(V20:V21))","v":""},0,0,3]
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["",{"$nulls":16},"Divers",{"$f":"HLOOKUP($S$1,Table,18)","v":{"$error":"#N/A"}},{"$f":"IF($S$1=0,\"\",SUM(S22:S25))","v":""},"Divers",{"$f":"HLOOKUP($S$2,Table,18)","v":{"$error":"#N/A"}},{"$f":"IF($S$2=0,\"\",SUM(V22:V25))","v":""},0,0,5]
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["",{"$nulls":17},{"$f":"HLOOKUP($S$1,Table,20)","v":{"$error":"#N/A"}},null,null,{"$f":"HLOOKUP($S$2,Table,20)","v":{"$error":"#N/A"}},null,0,0,7]
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[{"$nulls":29},"Choix couleur",36,"36 =jaune, 40 = orange"]
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[null," Revenus nets",null,null,"annuel",null,"mensuel"]
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[null," Dépenses mensuelles",{"$nulls":23},0,false,null,null,"Cartes événements",{"$nulls":22},"Exemple "]
[]
[null,"Logement",null,"loyer + charges (chauffage)",{"$f":"G12*12","v":{"v":0,"d":"0.-"}},null,{"$f":"'Mon budget'!D12","v":0},{"$nulls":14},{"$f":"SUM(I12:T12)","v":{"v":0,"d":"0.-"}},null,{"$f":"E12-V12","v":{"v":0,"d":"0.-"}},"M",{"$nulls":4},1,2,3,4,5,6,7,8,9,10,11,12,{"$nulls":11},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"},{"v":2430,"d":"2,430.-"},{"v":1950,"d":"1,950.-"},{"v":1950,"d":"1,950.-"}]
[{"$nulls":3},"électricité / gaz",{"$f":"G13*12","v":{"v":0,"d":"0.-"}},null,{"$f":"'Mon budget'!D13","v":0},{"$nulls":14},{"$f":"SUM(I13:T13)","v":{"v":0,"d":"0.-"}},null,{"$f":"E13-V13","v":{"v":0,"d":"0.-"}},"M",{"$nulls":4},"Un traitement de dentiste est en cours. La note finale attendue pour septembre devrait s’élever à CHF 2'500.-. Le dentiste est prêt à recevoir des acomptes à ma convenance si je ne souhaite pas payer en une seule fois.","Le contrôle périodique de la voiture est prévu en mai. Le garagiste a estimé les travaux pour la mise en conformité du véhicule à  1’800.-.","En remplissant la déclaration fiscale, je constate que les acomptes que j’ai déjà payés pour les impôts cantonaux et fédéraux sont insuffisants. Un versement supplémentaire de CHF 800.- va s’imposer.","L’hiver a été particulièrement froid et les acomptes provisionnels de chauffages versés particulièrement bas. Prévoir une différence à payer fin septembre équivalant à un demi loyer.","Afin d’éviter une augmentation de prime nous n’avons pas annoncé à l’assurance un petit accrochage. Les frais de réparation au véhicule tiers s’élèvent à CHF 600.- à payer en février. Les réparations à ma voiture attendront l’été. Elles sont estimées à CHF 800.-.","L’augmentation du prix de l’électricité laisse à penser que les acomptes versés ne seront pas suffisants. Les décomptes annuels tombent au 30 juin et l’on s’attend à un complément à payer de CHF 400.-.","Notre cuisine n’est pas «agencée » et le lave-vaisselle\nnous appartient. Hors mis le fait que cet appareil d’une ancienne génération est dévoreur d’énergie, son état général calamiteux nous pousse à prévoir son remplacement dans l’année. Prévoir CHF 1'200.- à cet effet.","En montant les pneus d’hiver, le garagiste nous a montré que les indicateurs d'usure sur les pneus d’été étaient à fleur de bande de roulement. Il faudra donc changer les 4 roues au printemps. Compter CHF 520.- pour 4 pneus, montage compris.","L’année à venir sera marquée par un anniversaire important et symbolique. Pour cette occasion, le 11 novembre exactement, je projette l’achat d'un bijou valant le 20% de mon salaire mensel comme cadeau.","Dans le cadre de la formation continue interne à l’entreprise, je me suis inscrit à un cours-séminaire de 15 jours en Angleterre, du 15 au 30 juillet. Le prix est fixé à 1'400 €, voyage compris. L’entreprise participe pour 50%.","L’opération subie récemment a coûté CHF 15'000.-. Le 10% de ce montant est à ma charge et je devrais le rembourser à l’assurance avant l’été.","Notre téléviseur, après 10 ans de loyaux services donne des signes d’usure. L’image se déforme et le réparateur a déclaré le tube cathodique irréparable. Nous avons accepté son offre de remplacement valable 6 mois pour un modèle à CHF 1200.-.",{"$nulls":12},{"v":280,"d":"280.-"},null,{"v":280,"d":"280.-"},null,{"v":280,"d":"280.-"},null,{"v":540,"d":"540.-"},null,{"v":280,"d":"280.-"},null,{"v":280,"d":"280.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D14","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Assurances",null,"maladie / accident / (+ ch. soc. indépendants)",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D15","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"},{"v":850,"d":"850.-"}]
[{"$nulls":3},"assurance incendie, ménage et responsabilité civile",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D16","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":29},{"v":670,"d":"670.-"},{"$nulls":5},{"v":670,"d":"670.-"},null,{"v":340,"d":"340.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D17","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Impôts",null,"(la charge fiscale varie en fonction du canton)",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D18","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":2600,"d":"2,600.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"},{"v":1400,"d":"1,400.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D19","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Alimentation",null,"nourriture / boissons",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D20","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1500,"d":"1,500.-"},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1100,"d":"1,100.-"},{"v":1200,"d":"1,200.-"},{"v":1800,"d":"1,800.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D21","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Ménage",null,"produits de lavage et de nettoyage / prod. corps / taxes",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D22","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"},{"v":400,"d":"400.-"}]
[{"$nulls":3},"équipement ménager - réparations",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D23","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":800,"d":"800.-"},null,null,{"v":300,"d":"300.-"},null,null,{"v":1000,"d":"1,000.-"},null,{"v":300,"d":"300.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D24","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Habillement",null,"habillement / pressing / chaussures",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D25","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":28},{"v":600,"d":"600.-"},null,null,{"v":400,"d":"400.-"},null,null,{"v":400,"d":"400.-"},null,{"v":800,"d":"800.-"},{"v":200,"d":"200.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D26","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Transports",null,"transports publics",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D27","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"},{"v":20,"d":"20.-"}]
[{"$nulls":3},"voiture (taxes / assurances / carburant / entretien) ",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D28","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":1140,"d":"1,140.-"},{"v":250,"d":"250.-"},{"v":250,"d":"250.-"},{"v":250,"d":"250.-"},{"v":1200,"d":"1,200.-"},{"v":250,"d":"250.-"},{"v":300,"d":"300.-"},{"v":300,"d":"300.-"},{"v":250,"d":"250.-"},{"v":800,"d":"800.-"},{"v":250,"d":"250.-"},{"v":1000,"d":"1,000.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D29","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Abonnements",null,"presse / cotisations",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D30","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":300,"d":"300.-"},{"v":420,"d":"420.-"}]
[{"$nulls":3},"téléphone / radio / télévision",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D31","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"},{"v":180,"d":"180.-"}]
[{"$nulls":3},"fomation / écolage / camps",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D32","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":28},{"v":400,"d":"400.-"},null,{"v":400,"d":"400.-"},{"$nulls":4},{"v":400,"d":"400.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D33","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Dépenses personnelles",null,"soins corporels / coiffeur / argent de poche / cigarettes",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D34","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"}]
[{"$nulls":3},"loisirs / culture / sport",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D35","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":27},{"v":300,"d":"300.-"},{"v":600,"d":"600.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":800,"d":"800.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":300,"d":"300.-"}]
[{"$nulls":6},{"$f":"'Mon budget'!D36","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"}]
[null,"Divers",null,"franchise / médecin / dentiste / opticien",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D37","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":34},{"v":200,"d":"200.-"},null,null,{"v":1000,"d":"1,000.-"}]
[{"$nulls":3},"cadeaux",{"v":0,"d":"0.-"},null,{"$f":"'Mon budget'!D38","v":0},{"$nulls":14},{"v":0,"d":"0.-"},null,{"v":0,"d":"0.-"},"M",{"$nulls":28},{"v":200,"d":"200.-"},{"$nulls":3},{"v":150,"d":"150.-"},{"v":50,"d":"50.-"},{"$nulls":4},{"v":200,"d":"200.-"}]
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["© Yvan Péguiron - HEP Lausanne - janvier 2009"]

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[19,null,"imprévus / vacances / achats",null,{"v":510,"d":"510.-"},{"v":270,"d":"270.-"},{"v":250,"d":"250.-"},{"v":200,"d":"200.-"},{"v":250,"d":"250.-"},{"v":300,"d":"300.-"},{"v":400,"d":"400.-"},{"v":500,"d":"500.-"},{"v":150,"d":"150.-"},{"v":350,"d":"350.-"},{"v":215,"d":"215.-"},null,{"v":541,"d":"541.-"}]
[20,null,"autres",null,null,{"v":130,"d":"130.-"},{"v":200,"d":"200.-"},null,{"v":150,"d":"150.-"},{"v":200,"d":"200.-"},{"v":200,"d":"200.-"},{"v":290,"d":"290.-"},{"v":50,"d":"50.-"},{"v":50,"d":"50.-"},{"v":240,"d":"240.-"},null,{"v":83,"d":"83.-"}]
[21,null,"prévoyance 3e pilier",null,{"v":120,"d":"120.-"},{"v":140,"d":"140.-"},null,{"v":50,"d":"50.-"},null,{"v":80,"d":"80.-"},{"v":100,"d":"100.-"},{"v":100,"d":"100.-"},null,null,{"v":1130,"d":"1,130.-"},null,{"v":106,"d":"106.-"}]
[22,null,"épargne",null,{"v":200,"d":"200.-"},{"v":100,"d":"100.-"},{"v":250,"d":"250.-"},{"v":200,"d":"200.-"},{"v":170,"d":"170.-"},{"v":210,"d":"210.-"},{"v":400,"d":"400.-"},{"v":100,"d":"100.-"},{"v":100,"d":"100.-"},{"v":112,"d":"112.-"},{"v":250,"d":"250.-"},null,{"v":452,"d":"452.-"}]
[23]
[24,null,"Texte divers",null,null,"frais enfants",null,null,"frais enfants","frais enfants","frais enfants","jardin"]
[]
[{"$nulls":4},{"$f":"SUM(E4:E25)","v":{"v":4730,"d":"4,730.-"}},{"v":5050,"d":"5,050.-"},{"v":6390,"d":"6,390.-"},{"v":5830,"d":"5,830.-"},{"v":7220,"d":"7,220.-"},{"v":8740,"d":"8,740.-"},{"v":11020,"d":"11,020.-"},{"v":12130,"d":"12,130.-"},{"v":7410,"d":"7,410.-"},{"v":5200,"d":"5,200.-"},{"$f":"SUM(O4:O25)","v":{"v":9470,"d":"9,470.-"}},null,{"$f":"SUM(Q4:Q25)","v":{"v":7654,"d":"7,654.-"}}]
["Titres",{"$nulls":4},"Logement","Voiture","Enfants","Revenu net","Revenu brut",{"$nulls":3},"sans 13e","LPP yc",null,"salaire net"]
[null,1,"  ",{"$nulls":10},"sans 13e","OFS T12B",null," + 838 Ch. soc."]
[1,2,"  Jeune célibataire",null,null,"2 pièces","non","non",{"$f":"E29","v":{"v":4730,"d":"4,730.-"}},{"v":5400,"d":"5,400.-"},{"$nulls":6}," + 838 Ch. soc."]
[2,3,"  Famille monoparentale",null,null,"2 pièces","non","12 ans",{"$f":"F29","v":{"v":5050,"d":"5,050.-"}},{"v":5600,"d":"5,600.-"}]
[3,4,"  Couple de seniors",null,null,"3 pièces","non","non",{"$f":"G29","v":{"v":6390,"d":"6,390.-"}},{"v":6390,"d":"6,390.-"}]
[4,5,"  Couple modeste",null,null,"2 1/2 pièces","non","non",{"$f":"H29","v":{"v":5830,"d":"5,830.-"}},{"v":6700,"d":"6,700.-"}]
[5,6,"  Famille avec 2 petits enfants",null,null,"4 pièces","1 petite","4 et 8 ans",{"$f":"I29","v":{"v":7220,"d":"7,220.-"}},{"v":7900,"d":"7,900.-"}]
[6,7,"  Famille avec 2 grands enfants",null,null,"4 1/2 pièces","1 moyenne","14 et 17 ans",{"$f":"J29","v":{"v":8740,"d":"8,740.-"}},{"v":9500,"d":"9,500.-"}]
[7,8,"  Famille classe moyenne sup.",null,null,"5 pièces","1 grande","10 et 15 ans",{"$f":"K29","v":{"v":11020,"d":"11,020.-"}},{"v":12000,"d":"12,000.-"}]
[8,9,"  Famille avec Villa",null,null,"villa 6 pièces","2 voitures","8, 13, 16 ans",{"$f":"L29","v":{"v":12130,"d":"12,130.-"}},{"v":13000,"d":"13,000.-"}]
[9,10,"  Jeune couple non marié, 1 enfant",null,null,"3 1/2 pièces","1 voit, 1 moto","1 an",{"$f":"4390+3020","v":{"v":7410,"d":"7,410.-"}},{"v":8200,"d":"8,200.-"}]
[10,11,"  Célibataire - exemple Raiffeisen",null,null,"2 pièces","1 moyenne","non",{"$f":"N29","v":{"v":5200,"d":"5,200.-"}},{"v":5960,"d":"5,960.-"}]
[11,12,"  Couple d'indépendants - 1 enfant",null,null,"3 1/2 pièces","1 moyenne","6 ans",{"$f":"O29","v":{"v":9470,"d":"9,470.-"}},{"v":10525,"d":"10,525.-"}]
[12,13,"   ",{"$nulls":5},{"$f":"IF(P29=0,\"\",P29)","v":""},{"$f":"IF(P29=0,\"\",P29/84.49*100)","v":""}]
[13,14,"  Moyenne suisse* (ménage  2,23 pers.)",null,null,"3 pièces","1 moyenne","1,23 enf.",{"$f":"Q29","v":{"v":7654,"d":"7,654.-"}},{"$f":"Q29+838","v":{"v":8492,"d":"8,492.-"}}]
[]
[]
["*selon T20.02.01.06 / bfs.admin.ch (Enquête sur le budget des ménages) - OFS 2007"]