Minimum wage, retirement, tax... 20 changes to your budget January 1, 2020

Who says new year says good and bad news for your portfolio. Review of details.

Hangover or tomorrows... The passage of a year in the other always gives rise to changes to rates and regulations. Without surprise, on 1 January 2020 is no exception to the tradition. And there is little chance that you will spend through all the new features. Luckily, some of which you will certainly be favorable. So, on your calculator !

1. A small increase in the Minimum wage

once again, the minimum wage has no right to "kick-start" of the executive this year. This does not, however, the Minimum wage increase of 1.2% as of 1 January. In 2020, the hourly minimum wage now appears to 10.15 euros gross. An increase of 12 cents an hour. For a full-time worker, it has now reached 1539,45 euros gross monthly. That is a gain of 18,21 euros gross per month (and 15 euros net).

2. The "small pensions" on the rise

If you're retired and you touch less than 2000 euros monthly (including your supplementary pension), your basic pension (the social security) is re-indexed on inflation. This ensures a better maintenance of your purchasing power. The minimum old-age pension (later renamed the solidarity allowance for the elderly) increases, of him, of 35 euros per month for single persons, and € 54 for couples. It has now reached 903 euros for the first and 1402 euros for the latter.

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3. The ceiling of the safely up

The maximum monthly amount of social Security goes from 3377 € 3428€. This cap is used for the calculation of the maximum amount of certain social security benefits such as daily allowances for sickness, maternity or an accident at work. Employers also use it to determine certain contributions or exemptions from charges.

4. Taxes drop

Five billion euros on income tax in the least, focused on the first two slices... It was one of the announcements made by Emmanuel Macron mid-2019 to meet the demands of the yellow Vests. The promise becomes reality. Specifically, the first tax bracket from 14% to 11%, which means that you do allocate more to the tax authorities, in respect of the year 2020, only 11% of your income between 10.064 and 25.659 euros. The second tax bracket is 30%, but with modified thresholds in your favor. To know more precisely how much you'll save, you can use the simulator set up by Bercy.

5. Housing tax removed

This year, the property tax will be permanently removed for 80% of tax households. That is to say, those whose income tax reference 2019 does not exceed a certain threshold. The latter is set at 27 432 euros for a single person (a share of the family quotient), and 55 880 euros for a couple with two dependent children (three units). You exceed very slightly the ceiling ? Don't panic, you will then be able to benefit from a tax reduction diminishing. The tax households to the most affluent will have them, wait until 2021 to see their property tax eased to 35% and then 2022 to see it disappear completely.

6. Deduction at source for employment at home

Came into effect last year for most employees, the deduction at source of income tax is now also the home-based employment. To the extent that they are taxable, gardeners, nannies, household helpers and other child-minders will be paid the amounts due to the tax authorities on their payroll monthly. Don't panic : The employer should not have any administrative process additional to perform, provided they declare their employees through devices Cesu or Paje.

7. Married, beware of the regime change

You want to change your matrimonial property regime with a view to the adoption of a community scheme (community, universal or reduced in value) ? As of 1 January, this approach is effective because you are no longer eligible for the waiver of registration fees which applied until then. Now, the act is subject to a fixed registration of 125 euros, to which must be added - in case of transfer of property - a tax of land publicity in the amount of 0,715% on each property.

8. Up stamps

The Post take advantage of the change of the year to review its rates. And almost all prices are rising, sometimes quite significantly. The green stamp ? It thus passes from 0.88 euro 0.97 euro unit, an increase of 9%. The stamp is a red (high priority) ? It climbs up also 11 cents, to $ 1,16 euros the unit. The letter recommended ? It now appears to 4,30 euros (for a fold up to 20 grams), compared 4,18 euros previously.

9. Gas is less expensive

a Small satisfaction to some 4 million households still hold a contract for the supply of natural gas at the regulated rate. In this January 1, the price of gas down for them by an average of 0.9 %. In detail, the decrease rate reached 0.2% for those who cook with gas, 0.5 % for those who have a dual-purpose cooking and hot water and of 1 % for those who heat with natural gas. These reductions do not apply to consumers who have opted for a contrat said of the market with a price of gas blocked.

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10. New assistance for the energy renovation

The national Agency of habitat (Anah), launches the January 1, 2020 a new aid to combat the strainers thermal : MaPrimeRénov'. Reserved for households with modest incomes, this new offer combines two devices : the tax Credit for the energy transition (ISCED) and the help to Live Better agility. A new platform (maprimerenov.gouv.fr) should enable the beneficiaries to file their application for assistance and determine the amount before engaging in the work.

READ ALSO >> Work of energy renovation : how to avoid the setbacks with the irs

In 2020, the QUOTE remains operational for households in the intermediate income, but disappears for the more affluent. In 2021, all owners should be able to take advantage of the new device.

11. More charges for new autoentrepreneurs

Now, the autoentrepreneurs who create their activity does not benefit more than a year of payroll tax cuts (Acre), compared to three previously. And only unemployed workers receiving (or who have been enrolled for more than 6 months with Pôle emploi), the recipients of minimum social benefits and young people aged 18 to 25 years of age can benefit from it. Those who already benefit from the Acre remain in the old system. But for them, too, the exemption of social security contributions becomes less attractive.

READ ALSO >> Autoentrepreneur, why it is necessary to create your business before 2020

12. The RSI, it is really finished

Since January 1, 2018, the social protection of independent is no longer managed by the social Regime of independent (RSI), but by the general system of social Security. The implementation has been gradual, but effective January 1, 2020, all of the self-employed will have a one-stop shop for each of their services : caisses primaires d'assurance maladie (CPAM) health insurance, insurance funds and health at work (Carsat) for the basic pension, Urssaf for the recovery of social security contributions and family allowances.

13. Haro precarious jobs

At the turn of the employers to be affected by the hardening of the rules of unemployment compensation. Now, businesses must pay with the Urssaf of a flat-rate fee of 10 euros for each fixed-term contract of use (CDDU) concluded. In seven industries (including hospitality, food processing and transportation), employers are also well advised to monitor their rate of use of short-term. From 1 January, the administration recognizes in effect, company by company, any breach of contract giving rise to registration with Pôle emploi. Of the numbers that will be used to calculate the bonus or the penalty that will apply in 2021, the rate of contribution to unemployment insurance every employer.

READ ALSO >> Five ideas on the reform of unemployment insurance

14. Glasses and dentures 100% reimbursed

on 1 January 2020, your supplementary health - the "mutual" in the current language - is evolving. That you have purchased individually or through your business, your contract should now offer a range of eyeglasses and dentures fully refunded.

Practice >> Compare the offers of mutual health senior in partnership with DevisProx

15. Homeopathy relief

The followers of homeopathy does not can no longer rely on national solidarity. In 2020, social Security will not reimburse more homeopathic products to the extent of 15%, against 30% previously. And this bad news hides another: next year, the small capsules will be completely refunded.

16. Tobacco sometimes more expensive

Smoking, don't worry ! Most of the packages of cigarettes did not increase in this 1st January. Only the cheaper brands to see their prize upgraded, such as Lucky Strike Original red or the Winfield reds, who earn 10 cents a package, and now appear, respectively, 9,20 euros and 9,10 euros. The increases, however, are more frequent on tobacco to roll, and on cigarillos.

other increases are also expected in 2020, so that the cigarette packet reaches the symbolic price of 10 euros at the end of the year.

17. Station to the polluting cars

Bad news for lovers of large vehicles. The schedule 2020 malus ecological, which applies when buying a vehicle, it is noticeably hardened. To escape any form of taxation, it is now important that the car emits less than 110 grams of carbon dioxide per kilometre (117 g previously). In this January 1, the penalty starts from 110 grams (it is then 50€) and reaches its maximum at 173 grams (it appears to... 12 500 euros). And this is not finished. On march 1, 2020, the new rules for the calculation of emissions will come into force. This will have the effect of raising the penalty for many vehicles.  

18. A bonus ecological more restrictive

If you buy in 2020, a vehicle said to own, that is to say, emitting less than 20 grams of CO2 per kilometre, you will benefit again this year, with a bonus ecological granted by the State. But it will now be variable according to the purchase price. The bonus is thus maintained at 6,000 euros, but only for those households purchasing an electric car for less than 45.000 euros. It is limited to 3.000 euros for vehicles costing 45,000 euros to 60,000 euros and disappears for the most expensive cars, a price higher than 60,000 euros. In addition, the bonus is also maintained at 900 euro for the electric vehicles with two or three wheels. It finally reached 200 euros for the electric bikes for people with modest incomes, in addition to using a community.

19. More cars radar

Experienced since 2018 in Normandy, the cars radars managed by private operators are gaining ground. From 1 January, three new regions are opening up their channels of circulation : the Brittany, pays de la Loire and the Centre-Val de Loire. On these territories, sixty of unmarked vehicles will operate six hours a day, day or night, 7 days on 7.

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20. The courts of first instance to the hatch

The highly controversial merger of the courts of instance (TI) and de grande instance (TGI) between the 1st of January. Dealing with small disputes of everyday life, the first disappear, and are either grouped with the TGI within the "courts of justice", that is, become rooms detached from these courts. Denounced by the magistrates and the lawyers, this reorganization is aimed, according to the government, to create a "single gateway to justice". With the promise that no site will close.