{"id":1035,"date":"2025-06-20T12:11:29","date_gmt":"2025-06-20T12:11:29","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1035"},"modified":"2025-06-17T12:21:44","modified_gmt":"2025-06-17T12:21:44","slug":"%e2%82%b938000-emis-on-a-%e2%82%b946000-salary-heres-your-rescue-plan","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/%e2%82%b938000-emis-on-a-%e2%82%b946000-salary-heres-your-rescue-plan\/","title":{"rendered":"\u20b938000 EMIs on a \u20b946000 Salary? Here\u2019s Your Rescue Plan"},"content":{"rendered":"\n<p>Facing \u20b938,000 in monthly EMIs on a take\u2011home pay of just \u20b946,000 can be suffocating\u2014leaving little room for essentials, savings, or unexpected expenses. Financial experts generally recommend that your total EMIs not exceed <strong>40%<\/strong> of your net income to maintain stability and breathing room. At <strong>82%<\/strong>, you\u2019re far beyond that safe zone, putting you at risk of missed payments, mounting interest, and chronic stress.<\/p>\n\n\n\n<p>Fortunately, India\u2019s current monetary backdrop offers some relief. On June\u202f6,\u202f2025, the RBI cut its repo rate by <strong>50\u202fbasis points<\/strong> to <strong>5.50%<\/strong>, the largest cut in five years, aiming to boost growth and lower borrowing costs. Banks have started passing on these cuts: SBI trimmed its home\u2011loan rate to <strong>7.50\u20138.45%<\/strong> and lowered deposit rates by 25\u202fbps. Cheaper credit means refinancing options, lower EMIs, and more cash flow to engineer your financial comeback.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. Map Your Cash Flow and Debt Burden<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1 Calculate True Net Income<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Take\u2011Home Pay:<\/strong> \u20b946,000<br><\/li>\n\n\n\n<li><strong>Other Inflows:<\/strong> Bonuses, freelancing, family support (if any)<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.2 List Every EMI and Interest Rate<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Loan Type<\/strong><\/td><td><strong>Outstanding Balance<\/strong><\/td><td><strong>Rate (p.a.)<\/strong><\/td><td><strong>EMI (\u20b9)<\/strong><\/td><\/tr><tr><td>Home Loan<\/td><td>\u20b930\u202flakh<\/td><td>8.00%<\/td><td>18,500<\/td><\/tr><tr><td>Car Loan<\/td><td>\u20b95\u202flakh<\/td><td>10.5%<\/td><td>7,100<\/td><\/tr><tr><td>Personal Loan<\/td><td>\u20b93\u202flakh<\/td><td>14.0%<\/td><td>6,200<\/td><\/tr><tr><td>Credit Card Debt<\/td><td>\u20b91.5\u202flakh<\/td><td>36.0%<\/td><td>6,200<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td>\u2014<\/td><td>\u2014<\/td><td><strong>38,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.3 Determine Your Debt\u2011Service Ratio<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>38,000 \u00f7 46,000 \u2248 82%<\/strong> of net income, far above the <strong>40%<\/strong> safety threshold.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Stabilize Immediate Cash Needs<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 Build a Mini Emergency Fund<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Target:<\/strong> \u20b910,000 (\u2248 one week\u2019s expenses) parked in a liquid fund or high\u2011yield savings (4\u20135%\u202fp.a.) for instant access.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Freeze or Pause Credit Lines<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Contact Issuers:<\/strong> Request temporary suspension of credit cards used for emergencies to prevent further debt accumulation.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.3 Halt Discretionary Spending<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rule of Thumb:<\/strong> Eliminate all non\u2011essentials\u2014streaming, dining out, ride\u2011hailing\u2014and redirect \u20b93,000\u2013\u20b95,000\/month into urgent needs.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Renegotiate and Refinance High\u2011Cost Debt<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Leverage RBI\u2019s Rate Cut for Lower EMIs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Home Loan Top\u2011Up or Repricing:<\/strong> Call your lender to reprice your home loan against the new <strong>5.50% repo<\/strong>, which could net you a <strong>0.25\u20130.50%<\/strong> rate cut\u2014saving thousands each year.<br><\/li>\n\n\n\n<li><strong>Personal Loans &amp; Credit Cards:<\/strong> Post\u2011RBI cut, variable\u2011rate loans often follow suit. Expect a 0.25\u20130.50\u202f% drop in lending rates over the next 1\u20132\u202fmonths.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Balance Transfer for Credit Cards<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>0% Promotional Offers:<\/strong> Many banks offer 0% balance transfers for 6\u201312\u202fmonths with a <strong>1\u20132%<\/strong> fee. Move your \u20b91.5\u202flakh card debt, then focus on clearing it before the promo ends.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Consolidation Loan at Lower Rate<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Shop NBFCs &amp; Fintechs:<\/strong> Post\u2011repo cut, personal\u2011loan rates have softened to <strong>9\u201311%<\/strong>\u202fp.a. Compare platforms to refinance \u20b99.3\u202flakh of high\u2011rate debt into one EMI at a lower rate.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Slash Non\u2011Essential Outflows<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Subscription Audit<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cancel all streaming, gym, and magazine subscriptions\u2014savings \u20b92,000\u2013\u20b93,000\/month.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Negotiate Monthly Bills<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Telecom &amp; Internet:<\/strong> Downgrade to essential plans; potential savings: \u20b9500\u2013\u20b9700\/month.<br><\/li>\n\n\n\n<li><strong>Insurance:<\/strong> Compare health and auto premiums on aggregators; you may shave off \u20b91,000\/year on each policy.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Adopt a Cash\u2011Only Grocery Strategy<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Use cash for food and essentials. Studies show paying cash reduces spend by 10\u201315% across categories.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Boost Your Income Streams<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Freelance &amp; Gig Work<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Skills Monetization:<\/strong> Platforms like Upwork, Freelancer, or local tutoring can earn \u20b95,000\u2013\u20b915,000 extra monthly.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2 Monetize Hobbies<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Baking, crafts, or digital services (logo design, writing) through local social\u2011media groups or marketplaces.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.3 Part\u2011Time Consulting<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Leverage any corporate or technical expertise for weekend projects\u2014\u20b910,000+ per assignment.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Structure a Bullet\u2011Proof Budget<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Zero\u2011Based Budgeting<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Allocate Every Rupee:<\/strong> Essentials, debt, savings, and a nominal \u201cfun fund\u201d\u2014nothing left unassigned.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 The 50\/30\/20 Rule\u2014Adjusted<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Needs:<\/strong> 60% (\u20b927,600) to essentials + fixed\/negotiated EMIs<br><\/li>\n\n\n\n<li><strong>Wants:<\/strong> 10% (\u20b94,600) strictly capped<br><\/li>\n\n\n\n<li><strong>Debt\/Savings:<\/strong> 30% (\u20b913,800) for accelerated repayments and emergency fund top\u2011up<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3 Automate Transfers<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Standing instructions:<br>\n<ul class=\"wp-block-list\">\n<li><strong>On Payday:<\/strong> 50% to bank account for needs &amp; EMIs<br><\/li>\n\n\n\n<li><strong>Post\u2011Payday:<\/strong> 30% to a consolidation\u2011loan EMI or high\u2011yield savings<br><\/li>\n\n\n\n<li><strong>Remainder:<\/strong> 10% discretionary with clear caps<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Implement a Disciplined Debt\u2011Repayment Strategy<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.1 Hybrid Avalanche\u2011Snowball Approach<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Step\u202f1:<\/strong> Pay off the smallest balance (credit\u2011card \u20b91.5\u202flakh) via balance transfer for quick win.<br><\/li>\n\n\n\n<li><strong>Step\u202f2:<\/strong> Apply avalanche to next highest\u2011rate debt (personal loan at 14%) to minimize interest.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.2 Automate \u201cExtra\u201d Principal Payments<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Whenever bonuses or side\u2011income arrives, funnel 100% into debt principal.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.3 Monitor Progress Weekly<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simple tracker: outstanding balance, EMIs paid, and interest saved.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. Build a Robust Safety Net<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.1 Emergency Fund \u2013 Phase\u202f2<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>After debt repricing and initial repayments, build up <strong>1 month<\/strong> of living expenses within 3\u202fmonths, then scale to <strong>3 months<\/strong> by Month\u202f9.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>8.2 Insurance Revisit<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ensure you have a <strong>family floater health plan<\/strong> (\u2265\u202f\u20b95\u202flakh) and <strong>term life cover<\/strong> (\u2265 10\u00d7 annual income).<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Regain Control and Rebuild Wealth<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9.1 Post\u2011Debt Investing<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Once total EMIs fall below 40% of your net salary, divert surplus to:<br>\n<ul class=\"wp-block-list\">\n<li><strong>SIPs<\/strong> in large\u2011cap mutual funds (\u20b92,000\/month to start)\u2014target 12\u201315%\u202fp.a. long term.<br><\/li>\n\n\n\n<li><strong>Gold ETFs\/SGBs<\/strong> (5\u201310% allocation) as a hedge.<br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9.2 Credit\u2011Score Rehabilitation<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Close paid\u2011off accounts properly; maintain zero\u2011utilization on remaining cards.<br><\/li>\n\n\n\n<li>Use a small secured credit card to rebuild on\u2011time payment history.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>9.3 Financial Discipline for Life<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Annual Checkups:<\/strong> Review EMIs and debt ratio every June (post\u2011RBI policy).<br><\/li>\n\n\n\n<li><strong>Accountability Partner:<\/strong> Share goals with a friend or advisor to stay motivated.<br><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusion<\/strong><\/h2>\n\n\n\n<p>With disciplined action\u2014mapping every rupee, slashing non\u2011essentials, renegotiating rates, consolidating debt, boosting income, and automating payments\u2014you can transform an onerous \u20b938,000 EMI burden on a \u20b946,000 salary into a manageable plan. In today\u2019s lower\u2011rate regime (repo at <strong>5.50%<\/strong>), refinancing and repricing become powerful tools. Follow this rescue plan faithfully, and in 9\u201312\u202fmonths, you\u2019ll not only reduce your EMIs back to a healthy <strong>\u2264\u202f40%<\/strong> of income but lay the groundwork for sustained financial growth.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Facing \u20b938,000 in monthly EMIs on a take\u2011home pay of just \u20b946,000 can be suffocating\u2014leaving little room for essentials, savings, or unexpected expenses. Financial experts generally recommend that your total EMIs not exceed 40% of your net income to maintain stability and breathing room. At 82%, you\u2019re far beyond that safe zone, putting you at risk of missed payments, mounting interest, and chronic stress. Fortunately, India\u2019s current monetary backdrop offers some relief. On June\u202f6,\u202f2025, the RBI cut its repo rate by 50\u202fbasis points to 5.50%, the largest cut in five years, aiming to boost growth and lower borrowing costs. Banks have started passing on these cuts: SBI trimmed its home\u2011loan rate to 7.50\u20138.45% and lowered deposit rates by 25\u202fbps. Cheaper credit means refinancing options, lower EMIs, and more cash flow to engineer your financial comeback. 1. Map Your Cash Flow and Debt Burden 1.1 Calculate True Net Income 1.2 List Every EMI and Interest Rate Loan Type Outstanding Balance Rate (p.a.) EMI (\u20b9) Home Loan \u20b930\u202flakh 8.00% 18,500 Car Loan \u20b95\u202flakh 10.5% 7,100 Personal Loan \u20b93\u202flakh 14.0% 6,200 Credit Card Debt \u20b91.5\u202flakh 36.0% 6,200 Total \u2014 \u2014 38,000 1.3 Determine Your Debt\u2011Service Ratio 2. Stabilize Immediate Cash Needs 2.1 Build a Mini Emergency Fund 2.2 Freeze or Pause Credit Lines 2.3 Halt Discretionary Spending 3. Renegotiate and Refinance High\u2011Cost Debt 3.1 Leverage RBI\u2019s Rate Cut for Lower EMIs 3.2 Balance Transfer for Credit Cards 3.3 Consolidation Loan at Lower Rate 4. Slash Non\u2011Essential Outflows 4.1 Subscription Audit 4.2 Negotiate Monthly Bills 4.3 Adopt a Cash\u2011Only Grocery Strategy 5. Boost Your Income Streams 5.1 Freelance &amp; Gig Work 5.2 Monetize Hobbies 5.3 Part\u2011Time Consulting 6. Structure a Bullet\u2011Proof Budget 6.1 Zero\u2011Based Budgeting 6.2 The 50\/30\/20 Rule\u2014Adjusted 6.3 Automate Transfers 7. Implement a Disciplined Debt\u2011Repayment Strategy 7.1 Hybrid Avalanche\u2011Snowball Approach 7.2 Automate \u201cExtra\u201d Principal Payments 7.3 Monitor Progress Weekly 8. Build a Robust Safety Net 8.1 Emergency Fund \u2013 Phase\u202f2 8.2 Insurance Revisit 9. Regain Control and Rebuild Wealth 9.1 Post\u2011Debt Investing 9.2 Credit\u2011Score Rehabilitation 9.3 Financial Discipline for Life Conclusion With disciplined action\u2014mapping every rupee, slashing non\u2011essentials, renegotiating rates, consolidating debt, boosting income, and automating payments\u2014you can transform an onerous \u20b938,000 EMI burden on a \u20b946,000 salary into a manageable plan. In today\u2019s lower\u2011rate regime (repo at 5.50%), refinancing and repricing become powerful tools. Follow this rescue plan faithfully, and in 9\u201312\u202fmonths, you\u2019ll not only reduce your EMIs back to a healthy \u2264\u202f40% of income but lay the groundwork for sustained financial growth. Source : thepumumedia.com<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","ocean_post_oembed":"","ocean_post_self_hosted_media":"","ocean_post_video_embed":"","ocean_link_format":"","ocean_link_format_target":"self","ocean_quote_format":"","ocean_quote_format_link":"post","ocean_gallery_link_images":"on","ocean_gallery_id":[],"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1035","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1035","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/comments?post=1035"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1035\/revisions"}],"predecessor-version":[{"id":1045,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1035\/revisions\/1045"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1035"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1035"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1035"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}