{"id":1084,"date":"2025-06-22T12:31:27","date_gmt":"2025-06-22T12:31:27","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1084"},"modified":"2025-06-17T12:41:11","modified_gmt":"2025-06-17T12:41:11","slug":"how-to-get-out-of-a-debt-trap-in-just-9-months","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/how-to-get-out-of-a-debt-trap-in-just-9-months\/","title":{"rendered":"How to Get Out of a Debt Trap in Just 9 Months?"},"content":{"rendered":"\n<p>Feeling crushed by debt can be overwhelming\u2014but escaping the debt trap is possible with a focused, disciplined plan. In this guide, we\u2019ll walk through a nine\u2011month roadmap to wipe out your debts, rebuild your credit, and regain financial freedom.<\/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. Understand Every Rupee You Owe<\/strong><\/h2>\n\n\n\n<p>You can\u2019t defeat debt you can\u2019t measure. Spend the first two weeks listing <strong>every<\/strong> liability:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Creditor<\/strong><\/td><td><strong>Balance (\u20b9)<\/strong><\/td><td><strong>Interest Rate<\/strong><\/td><td><strong>Minimum Payment<\/strong><\/td><td><strong>Due Date<\/strong><\/td><td><strong>Notes<\/strong><\/td><\/tr><tr><td>Credit Card A<\/td><td>50,000<\/td><td>36% p.a.<\/td><td>2,000<\/td><td>5th<\/td><td>Converted to EMI plan<\/td><\/tr><tr><td>Personal Loan B<\/td><td>150,000<\/td><td>12% p.a.<\/td><td>3,500<\/td><td>10th<\/td><td>Prepayment allowed<\/td><\/tr><tr><td>Gold Loan C<\/td><td>30,000<\/td><td>9.50% p.a.<\/td><td>1,500<\/td><td>15th<\/td><td>Collateral locked<\/td><\/tr><tr><td>Home Loan D (EBLR)<\/td><td>1,500,000<\/td><td>8.15% p.a.<\/td><td>22,000<\/td><td>25th<\/td><td>Floating rate<\/td><\/tr><tr><td>Car Loan E<\/td><td>300,000<\/td><td>9% p.a.<\/td><td>6,500<\/td><td>28th<\/td><td>3 years remaining<\/td><\/tr><tr><td><strong>TOTAL<\/strong><\/td><td><strong>2,030,000<\/strong><\/td><td><\/td><td><strong>35,500<\/strong><\/td><td><\/td><td><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Action:<\/strong> Create this table for your own debts. Record interest rates, due dates, and any prepayment penalties. Seeing \u20b9X,XX,XXX in black and white fuels urgency.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. Pick Your Payoff Strategy: Avalanche vs. Snowball<\/strong><\/h2>\n\n\n\n<p>Two proven methods help you allocate extra cash:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avalanche Method<\/strong>: Pay minimums on all debts, then throw <strong>every extra rupee<\/strong> at the <strong>highest\u2011interest<\/strong> debt first (e.g., your 36% credit card) to minimize total interest paid.<br><\/li>\n\n\n\n<li><strong>Snowball Method<\/strong>: Pay minimums on all, but focus extra cash on the <strong>smallest balance<\/strong> first. Early wins boost motivation.<br><\/li>\n<\/ul>\n\n\n\n<p>For most, the avalanche method works best on high\u2011rate Indian debts (36% cards, 12\u201314% personal loans). But if you need quick wins to stay motivated, start with snowball\u2014then switch to avalanche once you clear smaller balances.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. Consolidate or Refinance: Lower Your Rates<\/strong><\/h2>\n\n\n\n<p>High\u2011rate debts slow your progress. Consolidation or refinancing can save thousands in interest and simplify payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Debt\u2011Consolidation Loans<\/strong><\/h3>\n\n\n\n<p>Banks and NBFCs offer consolidation loans at <strong>11\u201314% p.a.<\/strong>, far below credit\u2011card rates:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>HDFC Bank<\/strong>: from 11.25% p.a.<br><\/li>\n\n\n\n<li><strong>Axis Bank<\/strong>: from 11.25% p.a.<br><\/li>\n\n\n\n<li><strong>Bajaj Finserv<\/strong>: 12.99% p.a.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Example<\/strong>: Consolidate \u20b9180,000 (\u20b950K card + \u20b9130K personal loan) at 12% over 3 years:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Old EMIs<\/strong>: \u20b92,000 + \u20b93,500 = \u20b95,500<br><\/li>\n\n\n\n<li><strong>New EMI<\/strong>: ~\u20b96,000<br><\/li>\n\n\n\n<li><strong>Benefit<\/strong>: One EMI, lower total interest, simpler tracking.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Balance\u2011Transfer Credit Cards<\/strong><\/h3>\n\n\n\n<p>Many issuers now offer <strong>0\u20131% promotional rates<\/strong> for 6\u201312 months, with a one\u2011time fee (1\u20133%). If you can clear the balance in that window, you pay minimal interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Home\/Auto Loan Repricing<\/strong><\/h3>\n\n\n\n<p>After RBI\u2019s repo cut to <strong>5.50%<\/strong> on June 6, 2025, lenders like SBI cut their External Benchmark Lending Rate (EBLR) by <strong>50 bps to 8.15%<\/strong>, reducing EMIs on floating\u2011rate loans. Contact your bank to request re\u2011pricing\u2014every 0.25% reduction on a \u20b915 lakh home loan saves about \u20b9750 per month.<\/p>\n\n\n\n<p><strong>Action:<\/strong> Within Month 1, apply for a debt\u2011consolidation loan, request bank re\u2011pricing, and assess balance\u2011transfer offers. Aim to lower at least one high\u2011rate obligation.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Build an Aggressive Budget<\/strong><\/h2>\n\n\n\n<p>With lower rates, you free cash to pay down principal faster. Now, tighten your budget so <strong>every rupee<\/strong> serves debt repayment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 The 50\/30\/20 with a Twist<\/strong><\/h3>\n\n\n\n<p>On your remaining disposable income, allocate:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>70% to debt repayment<\/strong><strong><br><\/strong><\/li>\n\n\n\n<li><strong>20% to essentials<\/strong> (groceries, utilities, transport)<br><\/li>\n\n\n\n<li><strong>10% to an emergency fund<\/strong><strong><br><\/strong><\/li>\n<\/ul>\n\n\n\n<p>If your post\u2011lending monthly income is \u20b950,000, that\u2019s:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20b935,000 to EMIs\/principal overpayments<br><\/li>\n\n\n\n<li>\u20b910,000 on essentials<br><\/li>\n\n\n\n<li>\u20b95,000 to savings<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Cut Big\u2011Ticket Expenses First<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Housing<\/strong>: Can you renegotiate rent, move to a smaller place, or get a roommate? Even \u20b93,000 saved monthly frees \u20b927,000 annually.<br><\/li>\n\n\n\n<li><strong>Transport<\/strong>: Switch to public transit or car\u2011pool\u2014\u20b92,000\u2013\u20b94,000 savings per month.<br><\/li>\n\n\n\n<li><strong>Food<\/strong>: Meal\u2011prep, bulk buys at wholesale markets\u2014\u20b93,000\u2013\u20b95,000 saved monthly.<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Track Every Rupee<\/strong><\/h3>\n\n\n\n<p>Use apps like Walnut or a simple Google Sheet. Review spending weekly:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Identify top 3 categories that bust your budget.<br><\/li>\n\n\n\n<li>Set concrete monthly limits.<br><\/li>\n\n\n\n<li>Penalize overspend by redirecting double the excess to debt.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> By the end of Month 2, have a zero\u2011based budget. Every rupee of your \u20b950,000 must be assigned.<\/p>\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: Side Hustles &amp; Raises<\/strong><\/h2>\n\n\n\n<p>Paying off \u20b92 lakh in nine months means roughly <strong>\u20b922,000<\/strong> per month of extra payments beyond minimums. If budget cuts can free <strong>\u20b910,000<\/strong>, you still need <strong>\u20b912,000<\/strong> from additional income.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Quick\u2011Start Side Hustles<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online Tutoring<\/strong>: Platforms like Vedantu and Unacademy pay <strong>\u20b9500\u2013\u20b91,000\/hour<\/strong>. Five hours\/week nets \u20b910,000\u2013\u20b920,000 monthly.<br><\/li>\n\n\n\n<li><strong>Freelance Skills<\/strong>: Writing, graphic design, or programming on Upwork or Fiverr can bring <strong>\u20b98,000\u2013\u20b915,000<\/strong> for 10\u201315 hours\/week.<br><\/li>\n\n\n\n<li><strong>Gig Economy<\/strong>: Food delivery (Swiggy, Zomato) or rideshare (Ola, Uber)\u2014<strong>\u20b97,000\u2013\u20b912,000\/month<\/strong> with flexible hours.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2 Negotiate a Raise<\/strong><\/h3>\n\n\n\n<p>If you\u2019ve performed well, ask your employer for a performance\u2011based raise or bonus. Even a <strong>10% salary bump<\/strong> on \u20b950,000 puts another \u20b95,000\u2013\u20b96,000 monthly into your pocket.<\/p>\n\n\n\n<p><strong>Action:<\/strong> In Month 2, launch one side hustle and request a salary review. Track extra earnings and dedicate <strong>100%<\/strong> to debt.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Automate Everything and Leverage Windfalls<\/strong><\/h2>\n\n\n\n<p>Automation prevents missed payments and temptation to spend:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Standing instructions<\/strong> for minimum EMIs and any extra principal payment each month.<br><\/li>\n\n\n\n<li><strong>Separate accounts<\/strong>: One \u201cDebt\u201d account receives all side\u2011hustle and windfall money.<br><\/li>\n\n\n\n<li><strong>Round\u2011ups<\/strong>: Use apps that round transactions to the nearest \u20b910 and send spare change to debt.<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Windfall Strategy<\/strong><\/h3>\n\n\n\n<p>Tax refunds, festival bonuses, or gifts? <strong>100%<\/strong> goes toward principal. A single \u20b930,000 bonus reduces a \u20b92 lakh balance by 15% in one shot.<\/p>\n\n\n\n<p><strong>Action:<\/strong> By Month 3, have debt payments auto\u2011debited and a windfall plan in place.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Track Progress Visually and Stay Motivated<\/strong><\/h2>\n\n\n\n<p>Nine months is short. Keep morale high:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Debt Thermometer<\/strong>: A poster chart marking each \u20b925,000 paid.<br><\/li>\n\n\n\n<li><strong>Milestone Rewards<\/strong>: Small treats (a movie night) at each \u20b950,000 mark.<br><\/li>\n\n\n\n<li><strong>Accountability Partner<\/strong>: Share updates weekly with a friend or mentor.<br><\/li>\n<\/ul>\n\n\n\n<p>Celebrating progress prevents burnout and anchors you to the finish line.<\/p>\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 Mini Emergency Fund<\/strong><\/h2>\n\n\n\n<p>By Month 4, aim to stash <strong>\u20b925,000\u2013\u20b930,000<\/strong>\u2014one month\u2019s consolidated EMI\u2014in a liquid savings account (3.5\u20134% APY at top banks) . This prevents new borrowing when surprises hit.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Automation<\/strong>: Allocate 10% of your net income to this fund until it\u2019s fully funded.<br><\/li>\n\n\n\n<li><strong>Source<\/strong>: Side\u2011hustle and budget savings only\u2014never dip into this for other expenses.<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. The 9\u2011Month Roadmap<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Month Range<\/strong><\/td><td><strong>Focus<\/strong><\/td><td><strong>Target Remaining Debt (\u20b9)<\/strong><\/td><\/tr><tr><td><strong>1\u20132<\/strong><\/td><td>List debts, apply consolidation, set budget<\/td><td>1,930,000 \u2192 1,800,000<\/td><\/tr><tr><td><strong>3\u20134<\/strong><\/td><td>Launch side hustle, automate payments<\/td><td>1,800,000 \u2192 1,600,000<\/td><\/tr><tr><td><strong>5\u20136<\/strong><\/td><td>Channel windfalls, increase side income<\/td><td>1,600,000 \u2192 1,300,000<\/td><\/tr><tr><td><strong>7\u20138<\/strong><\/td><td>Maintain momentum, build mini fund<\/td><td>1,300,000 \u2192 1,000,000<\/td><\/tr><tr><td><strong>9<\/strong><\/td><td>Final push: double payments on last \u20b91\u202flakh<\/td><td>1,000,000 \u2192 <strong>0<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Adjust numbers to your total debt. The key is <strong>consistent over\u2011payments<\/strong>\u2014even \u20b915,000 extra per month aside from minimums eliminates \u20b92\u202flakhs in under nine months.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>10. Beyond 9 Months: Building Lasting Financial Health<\/strong><\/h2>\n\n\n\n<p>Once you\u2019re debt\u2011free, avoid old traps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Maintain emergency savings<\/strong> of 3\u20136 months\u2019 expenses.<br><\/li>\n\n\n\n<li><strong>Automate contributions<\/strong> to a retirement plan (PF, PPF, NPS, or mutual\u2011fund SIP).<br><\/li>\n\n\n\n<li><strong>Invest for wealth<\/strong>: Aim to save 20% of your net income into diversified index funds or PPF for long\u2011term goals.<br><\/li>\n\n\n\n<li><strong>Live below your means<\/strong>: Resist lifestyle inflation\u2014give bonuses to savings, not spending.<br><\/li>\n\n\n\n<li><strong>Educate yourself<\/strong>: Read one personal\u2011finance book quarterly and review your net worth annually.<br><\/li>\n<\/ol>\n\n\n\n<p>Debt freedom within nine months is just the beginning of your financial journey. By embedding these habits, you\u2019ll build wealth instead of debt.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Feeling crushed by debt can be overwhelming\u2014but escaping the debt trap is possible with a focused, disciplined plan. In this guide, we\u2019ll walk through a nine\u2011month roadmap to wipe out your debts, rebuild your credit, and regain financial freedom. 1. Understand Every Rupee You Owe You can\u2019t defeat debt you can\u2019t measure. Spend the first two weeks listing every liability: Creditor Balance (\u20b9) Interest Rate Minimum Payment Due Date Notes Credit Card A 50,000 36% p.a. 2,000 5th Converted to EMI plan Personal Loan B 150,000 12% p.a. 3,500 10th Prepayment allowed Gold Loan C 30,000 9.50% p.a. 1,500 15th Collateral locked Home Loan D (EBLR) 1,500,000 8.15% p.a. 22,000 25th Floating rate Car Loan E 300,000 9% p.a. 6,500 28th 3 years remaining TOTAL 2,030,000 35,500 Action: Create this table for your own debts. Record interest rates, due dates, and any prepayment penalties. Seeing \u20b9X,XX,XXX in black and white fuels urgency. 2. Pick Your Payoff Strategy: Avalanche vs. Snowball Two proven methods help you allocate extra cash: For most, the avalanche method works best on high\u2011rate Indian debts (36% cards, 12\u201314% personal loans). But if you need quick wins to stay motivated, start with snowball\u2014then switch to avalanche once you clear smaller balances. 3. Consolidate or Refinance: Lower Your Rates High\u2011rate debts slow your progress. Consolidation or refinancing can save thousands in interest and simplify payments. 3.1 Debt\u2011Consolidation Loans Banks and NBFCs offer consolidation loans at 11\u201314% p.a., far below credit\u2011card rates: Example: Consolidate \u20b9180,000 (\u20b950K card + \u20b9130K personal loan) at 12% over 3 years: 3.2 Balance\u2011Transfer Credit Cards Many issuers now offer 0\u20131% promotional rates for 6\u201312 months, with a one\u2011time fee (1\u20133%). If you can clear the balance in that window, you pay minimal interest. 3.3 Home\/Auto Loan Repricing After RBI\u2019s repo cut to 5.50% on June 6, 2025, lenders like SBI cut their External Benchmark Lending Rate (EBLR) by 50 bps to 8.15%, reducing EMIs on floating\u2011rate loans. Contact your bank to request re\u2011pricing\u2014every 0.25% reduction on a \u20b915 lakh home loan saves about \u20b9750 per month. Action: Within Month 1, apply for a debt\u2011consolidation loan, request bank re\u2011pricing, and assess balance\u2011transfer offers. Aim to lower at least one high\u2011rate obligation. 4. Build an Aggressive Budget With lower rates, you free cash to pay down principal faster. Now, tighten your budget so every rupee serves debt repayment. 4.1 The 50\/30\/20 with a Twist On your remaining disposable income, allocate: If your post\u2011lending monthly income is \u20b950,000, that\u2019s: 4.2 Cut Big\u2011Ticket Expenses First 4.3 Track Every Rupee Use apps like Walnut or a simple Google Sheet. Review spending weekly: Action: By the end of Month 2, have a zero\u2011based budget. Every rupee of your \u20b950,000 must be assigned. 5. Boost Your Income: Side Hustles &amp; Raises Paying off \u20b92 lakh in nine months means roughly \u20b922,000 per month of extra payments beyond minimums. If budget cuts can free \u20b910,000, you still need \u20b912,000 from additional income. 5.1 Quick\u2011Start Side Hustles 5.2 Negotiate a Raise If you\u2019ve performed well, ask your employer for a performance\u2011based raise or bonus. Even a 10% salary bump on \u20b950,000 puts another \u20b95,000\u2013\u20b96,000 monthly into your pocket. Action: In Month 2, launch one side hustle and request a salary review. Track extra earnings and dedicate 100% to debt. 6. Automate Everything and Leverage Windfalls Automation prevents missed payments and temptation to spend: Windfall Strategy Tax refunds, festival bonuses, or gifts? 100% goes toward principal. A single \u20b930,000 bonus reduces a \u20b92 lakh balance by 15% in one shot. Action: By Month 3, have debt payments auto\u2011debited and a windfall plan in place. 7. Track Progress Visually and Stay Motivated Nine months is short. Keep morale high: Celebrating progress prevents burnout and anchors you to the finish line. 8. Build a Mini Emergency Fund By Month 4, aim to stash \u20b925,000\u2013\u20b930,000\u2014one month\u2019s consolidated EMI\u2014in a liquid savings account (3.5\u20134% APY at top banks) . This prevents new borrowing when surprises hit. 9. The 9\u2011Month Roadmap Month Range Focus Target Remaining Debt (\u20b9) 1\u20132 List debts, apply consolidation, set budget 1,930,000 \u2192 1,800,000 3\u20134 Launch side hustle, automate payments 1,800,000 \u2192 1,600,000 5\u20136 Channel windfalls, increase side income 1,600,000 \u2192 1,300,000 7\u20138 Maintain momentum, build mini fund 1,300,000 \u2192 1,000,000 9 Final push: double payments on last \u20b91\u202flakh 1,000,000 \u2192 0 Adjust numbers to your total debt. The key is consistent over\u2011payments\u2014even \u20b915,000 extra per month aside from minimums eliminates \u20b92\u202flakhs in under nine months. 10. Beyond 9 Months: Building Lasting Financial Health Once you\u2019re debt\u2011free, avoid old traps: Debt freedom within nine months is just the beginning of your financial journey. By embedding these habits, you\u2019ll build wealth instead of debt. 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