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tips from the French to pay less

Inflation, flashed to 4.8% in April by INSEE, results in a serious brake on the consumption of a large part of the French. Salvation often involves clear cuts in certain budgets: 37% of French people will give up going on vacation or weekends this year, according to a study published by Kantar in April.

→ READ. When the price of fuel weighs down the holiday budget

For the rest, it’s a world of tricks and tricks that opens up. Are the fuels burning? Apps that track prices are popular. For Essence & Co, a pioneer in the real-time collection of prices displayed by stations (users being able to rectify the data if necessary), the surge in fuel prices in March brought in 5 million users, i.e. eight times more than normal. In April, the site recorded nearly 3 million visitors.

In mass distribution, analysts anticipate the hunt for promotions. Michel-Édouard Leclerc announced at the end of March that he wanted “to put more first prizes back on the shelves”. Contrary to the move upmarket observed in food during the health crisis.

→ ANALYSIS. Inflation: a year of soaring food prices

With his 24 anti-waste NOUS grocery stores, mainly located in Brittany and the Paris region, Vincent Justin wants consumers to “don’t have to choose between cheap products with a bad impact on the ecosystem and vice versa”. Recipe ? Recover poorly calibrated products or products with a near expiry date, relegated by the agri-food sector. They thus obtain a discount of 20 to 30% for the consumer price and limit food waste.

Change your consumption habits

Saving money while respecting the planet is also the bet of Julien Froidure, who launched the Achetons grouped website. His postulate has even more force at the time of inflation: “Being green is expensive, buying in groups helps to remedy this”, explains the one who is solicited by town halls for purchases of energy products or mobility goods. Hundreds of e-bikes have been bought at a discount, for example.

Latest call for projects to date, that of the city of Maubeuge for energy purchases. The young entrepreneur is however skeptical about the chances of success of the operation: “In the summer of 2020, the date of our first operation, we obtained a 20% discount on a gas and green electricity offer, he details. Except that, since last winter, suppliers no longer have the possibility of making significant discounts because of soaring prices. »

Skip the second (hand)

Other players hope to promote their solutions during the period, such as the second-hand sector, which has already seen strong growth in recent years. The giant eBay, in a study published in April, points out that, “Lack of purchasing power, seven out of ten French people think of reselling their unused items online” over the coming year, history of “paying bills or shopping (34%), putting money aside (33%) or even financing leisure activities and outings (28%)”.

→ DEBATE. Buying second-hand clothes, is it eco-friendly?

It should be noted that online sales brought in an average of €234 per user last year and that, on the buying side, more than two-thirds of users resort to it on the grounds of limiting their spending. Rebound effect, however: “Donation or recycling is stagnating or declining,” esteem eBay.

Large purchases: split payment?

The split payment also intends to make a breakaway. Oney, one of the European leaders, ensures that one in two French people could choose to spread out their payments this year, compared to 40% today. A parade to finance expenses that come out of everyday life, since the average ticket for a purchase using this method of payment is €373: a popular solution for financing DIY, gardening and travel.

“Split payment is useful for buying durable goods, but the consumer must have the right information”, explains Matthieu Robin, director of studies at the UFC-Que Choisir association. “It is not recognized as a consumer credit, so not all consumer information obligations apply, he continues. For example, the credit incident file is not consulted by the lender, which prevents supervision of the distribution and increases the risk of over-indebtedness. There is also no penalty cap if the payment is not refunded on time. »

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Inflation driven by energy

consumer pricesincreased by an average of 4.8% in April, according to an initial estimate delivered by INSEE on 29 April.

Unsurprisingly, energy is the main contributor to the rise, since its prices increased by 26.6% over one year. A figure slightly lower than that of March, “in connection with the fall in the price of petroleum products”notes the statistical institute.

Food prices rise by 3.8% on averagestill driven by the increase in fresh produce prices (6.6%), which represents “a more sustained increase than the previous month”.

More moderate are the increases in the prices of services and manufactured goods, which in both cases remain below the 3% mark.

Only the price of tobacco is fallingat -0.1% over one year.

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