The summer of 2025 promises to be burning, not only for the weather. Between the drop in the legendary booklet A, the tax lap always awaited highly anticipated by tax reimbursements, and a new salvo on our energy bills, the summer season stands out as a real test for the purchasing power of French households. This pivotal period reserves as many disappointments as good surprises, making the art of managing its budget as technical as a part of pétanque under the Mistral. Complete decryption to cross the season without burning the wings (nor the wallet).
Face the summer of 2025: Overview of good and bad news for your wallet
The summer economy does not take a break. This year, several major measures shake up household landmarks, with a fragile balance between hard blows and boost. Review of what will impact the budget … and serenity.
The drop in booklet A: Should you review your savings habits?
After a year 2024 under the sign of stability, savers are gray. The rate of booklet A, pillar of the precautionary savings of 55 million French people, slides from 2.40 % to 1.70 % from August 1, 2025. The LDDS follow, just like the CEL which descends around 1.25 %. The LEP, reserved for the most modest, is momentarily distinguished with a rate of 2.70 %, boosted by a boost public.
Result: for a capital of € 10,000, it is almost 70 euros less interest over the year. Less yield, and therefore a Casual defensive savings capacity. Enough to rethink the balance of its investments, or even turn to other solutions, provided you measure the associated risks.
Tax reimbursements: Who will really touch the jackpot this year?
Please note, no rain of tickets for everyone! This summer, 10 million households will receive an exceptional tax reimbursement, following adjustments linked to the withholding tax or for trial of contributions. The target audience, in priority the most modest householdswill thus see his summer budget instantly re -inflated, sometimes several hundred euros depending on the situation.
A bowl of fresh air, but which remains punctual: this unique gain must not make us forget the need to anticipate Future expenses or fill a shortfall on other fronts.
Raising energy bills: Between 20 % VAT and exposed, how to find your way?
August 1 also marks another key date: the increase in VAT in 20 % on electricity and gas subscriptions (Fixed portion and CTA). This increase is essential to everyone: individuals, small shops, landlords, landlords … To avoid the tidal wave, the state temporarily lightens the excisees (old CSPE/TICGN), with a drop of around € 3.7 per MWh for electricity and between 2 and 4.9 € for gas, until January 2026.
In the end, the type invoice (6 kVA counter) climbs around € 20/year. If it may seem limited, the effect is very real – Especially for sober energy households, where the share of the subscription weighs heavier.
Purchasing power: Get out of the game in the face of expenses that explode
For French households, summer 2025 will be that of permanent arbitration: How to preserve your standard of living While several spending stations, sometimes incompressible, are suddenly increasing or evolve?
Manage your energy budget without renounce its comfort
No question of unplugging the fridge in the middle of August! To contain the increase, the hunting for unnecessary watts is essential: installing multiple evidence, prefer off-peak hours, regulate the temperature of the water heater … The operators sometimes offer alternative offers or simulations to assess its potential savings. Summer is also an opportunity to check the insulation or to consider small energy renovation work, very profitable over time.
New thresholds of the tax scale: Who wins, who loses?
The 2025 declaration incorporates a Revaluation of the income tax scale. For a part of households, it is a very appreciable tax saving, which makes it possible to absorb part of the shock on other expenses – up to several tens of euros earned, depending on the tranche.
But the effects remain uneven: some households will only see symbolic reduction From their tax, and non -taxable profiles do not benefit directly from this measure.
Pass’sport at 70 €: A good deal for families?
Help with families is a glimmer in the sky in charge of the summer budget. THE PASS’Sport goes to 70 €to allow nearly a million young people to register in a club, an internship or a sports association. A targeted measure, which lightens the back -to -school note and promotes physical activity, without level or equipment condition.
Pensions and taxation: which changes (or not) for seniors and investors
The Reporting the revaluation of pensionsinitially hoped for this summer, falls like a cold shower. Consequence: pensions will not increase until the end of 2025. In real estate, the Deletion of the LMNP tax niche Establish a drop in advantage for non -professional furnished rental investors, questioning the profitability of this deemed protective placement in recent years.
At the other end of the chain, the Exceptional contribution on large companies must support, at least indirectly, the collective purchasing power, without immediate mechanical effect for each household.
Good anti-crisis practices and tips: What to do to limit the breakage this summer?
Summer 2025 can be transformed into a budget obstacle course. In order not to undergo the fiscal and price innovations full of whip, Some common sense practices can make the difference.
Take advantage of positive measures without fall into tax traps
The tax reimbursement must be used intelligently: adjust an annual expenditure, constitute a safety kitty or anticipate the start of the school year. Mistrust with false good deals : Some investments promise a higher return to that of booklet A, but include significant risks.
Compose with increases thanks Having saved
Adopting some reflexes limit the impact of the VAT increase on energy: regularly monitor your consumptionreview the competing offers, simulate your budget and, why not, take advantage of the temporary decline in the excisees to invest in more economical equipment.
Adapt your savings and investments to the new rules of the game
Now is the time to adjust your “Investing-Investment Mix” if you are looking for more yield, without exposing your capital to excessive risk. Solutions exist : euro funds with guaranteed capital, multi-support life insurance, increase in LEP for those who have access to it … provided that they are informed and choose with vigilance.
Summer budget report: The keys to preserve (really) your purchasing power in 2025
The 2025 summer season reveals a subtle, almost acrobatic balance, between secure drops in income – Livret rate A clear fall —, occasional surplus (Tax reimbursement, Pass’sport) and moderate but recurrent increases (energy, real estate taxation). For each household, the key is to identify the measures that apply to its situation: modest or rental investor, family with children or retired, there is no unique recipe but a wide range of possible arbitrations.
Keeping hands on your budget presupposes a good dose of pragmatism: Anticipate the evolution of fixed loadscompare offers regularly, favor arrow aid and avoid investments that are too attractive to be honest. In active standby, it is possible to transform this anthology of measures into opportunities rather than obstacles.
| Measure | Direct effect on purchasing power |
|---|---|
| Decreased Livret A and regulated savings | Lesser return from available savings |
| Tax reimbursement | Immediate punctual gain |
| VAT Energy subscriptions | Moderate increase in fixed invoices |
| IR revaluation | Indirect tax reduction according to profile |
| Retirement revaluation postponement | Partial pensions frost |
| LMNP deletion | Tax benefit reduction for certain owners |
| Pass’Sport 70 € | Target support for families |
| Large companies contribution | Global indirect support |
The summer of 2025 is not a long, a long, quiet river, but each evolution represents an opportunity to reposition itself, to adjust its financial strategyor to modify certain habits. To cross this season and approach the start of the school year with serenity, each household will have to find its own balance according to its particular situation.
