PODCAST."Do your accounts", our purchasing power series: for Daniel and Geneviève, "at over 70, everything becomes more complicated"

Geneviève and Daniel*, 69 and 72, love the promises.And in terms of purchasing power of retirees, they were more than disappointed by successive tenants at the Élysée, since they stopped their activities, esthetician for her, and commercial director for him, in 2014and 2011.By spreading their invoices and their account statements, in the house they built 38 years ago in the north of the Toulouse agglomeration, they always do the same calculation.

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While the inflation rate, over the last decade, has exceeded 11 %, their income has found a small increase of +1.1 % over the same period.""""""""""""""""It's as if we had lost € 440 per month, explains Daniel.When we retired, we thought we were going to have fun.But gradually, we started to give up certain things, such as travel, leisure and small gifts between us.""""""""""""""""

Rising taxes and mutual

However, the couple is not one of the most modest, with 4,500 euros in cumulative monthly income.Their 150 m² pavilion with swimming pool has been paid for a long time, and they have just made the last payments for their second home, a farm in the Gers.Their fixed expenses amount to 1,200 euros each month, and most of them have increased significantly in recent years.

""""""""The housing tax, including a fee, went from 1284 euros in 2011 to 1892 euros in 2020,"""""""" explains Daniel.And the property tax of 1703 euros at more than 2000 euros.""""""""""""""""Same observation for home insurance, which has climbed from 560 euros to 808 euros since 2015.And the complementary health insurance, which has taken 48 % in 7 years, for the same services, and now amounts to 336 euros per month for the couple. """"""""""""""""Or, plus on avance en âge, et plus on a besoin d'une bonne mutuelle.""""""""""""""""

A letter to President Macron

Supporting figures, Daniel took his most beautiful pen, in November 2018, to address the President of the Republic. """"""""""""""""C'est presque 10 % de mes revenus qui ont disparu dans un puits sans fond (…) Le gilet jaune est sur mon pare-brise et il y restera aussi longtemps que nécessaire (…) Ne me décevez pas s'il vous plaît !""""""""""""""""

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His missive remained without real response, just like the steps started with his deputy and his mayor. """"""""""""""""J'espérais qu'il y ait quelqu'un qui prenne conscience que l'engagement de maintenir le pouvoir d'achat des retraités n'a pas été respecté.We worked all our lives, and we have the impression of being forgotten, deplores the septuagenarian.We never had the impression of being favored, nor of having stolen what we win.""""""""""""""""

However, he salutes two recently applied measures which have to reduce their expenses at the margin: a lower tax of 50 euros per month, a measure put in place in early 2020 by Bruno Le Maire for the middle classes, and an exemption from theHousing tax of 30% this year.

A reserve available

For their other expenses, the couple be careful.He favors journeys, under the pretext of walking his spaniel, knowingly chooses the brands where he does his shopping, even reduced his meat consumption.Once the fuel fees (160 euros), the maintenance of the car (150 euros), the food (450 euros), the DIY budget (150 euros), the clothes, the hairdresser, the internet subscriptions and the internet and the internet budget and the internet budget and the internet budget and the internet budget and the internet budget and the internet budget and the internet budget and the internet budget, the internet budget.telephony, as well as other various costs, they have less than 1000 euros in savings. """"""""""""""""On a besoin d'une petite réserve disponible pour faire face aux imprévus : le réfrigérateur à changer, les implants dentaires qu'on pose au coup par coup... À plus de 70 ans, tout est plus compliqué"""""""""""""""", poursuit son épouse Geneviève.

But there is an expense post (300 euros) on which the two retirees refuse to compromise: the gifts they offer throughout the year to their two children and their six grandchildren, aged 9 to19 years old. """"""""""""""""C'est très important pour nous.During our active life, we made career choices, sometimes refused changes to stay close to them, and we never regretted it.""""""""""""""""

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