{"id":1118,"date":"2025-06-23T15:58:06","date_gmt":"2025-06-23T15:58:06","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1118"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"7-credit-cards-loans-a-single-income-earner-what-to-do","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/7-credit-cards-loans-a-single-income-earner-what-to-do\/","title":{"rendered":"7 Credit Cards, Loans &amp; a Single Income Earner: What to Do?"},"content":{"rendered":"\n<p>Juggling seven credit cards, multiple loans, and relying on a single income earner can feel like walking a financial tightrope. In today\u2019s India, household debt\u202f\u2014\u202fincluding personal loans, credit cards, and EMIs\u202f\u2014\u202fhas climbed to <strong>17.1% of GDP<\/strong>, up from 14.9% last year, as families dip into loans to fund everything from daily expenses to big-ticket purchases. At the same time, unsecured loans such as credit\u2011card balances have grown at an annual rate of <strong>21.3%<\/strong> between 2021 and 2024, tightening the noose on monthly budgets.<\/p>\n\n\n\n<p>If you\u2019re the sole breadwinner, the pressure magnifies: missed EMI payments or high credit\u2011card bills can quickly snowball into mounting penalties, damaged credit scores, and sleepless nights. This guide walks you through <strong>exactly<\/strong> how to regain control. Let\u2019s turn that tangle of seven credit cards and multiple EMIs into a clear, manageable plan.<\/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. Take Stock: Know Exactly Where You Stand<\/strong><\/h2>\n\n\n\n<p>Before you can climb out of debt, create a complete picture of your liabilities and cash flow:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>List Every Credit Card:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Note outstanding balance, interest rate (APR), minimum monthly due, and penalty fee. In India, cards typically charge <strong>42%\u201352%\u202fp.a.<\/strong>, with some offering rates up to <strong>49.36%<\/strong> on Flipkart Axis Bank or <strong>45%<\/strong> on SBI Cashback Cards.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>List All Loans:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Include personal loans, home loans, auto loans, and any peer\u2011to\u2011peer or microfinance loans. Record the outstanding principal, interest rate, EMI amount, and remaining tenure.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Capture Monthly Income &amp; Expenses:<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Your single income must cover essentials (rent\/mortgage, utilities, groceries), debts (EMIs and credit\u2011card dues), and occasional discretionary spending.<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Liability Type<\/strong><\/td><td><strong>Outstanding (\u20b9)<\/strong><\/td><td><strong>Interest Rate (p.a.)<\/strong><\/td><td><strong>EMI\/Minimum Due (\u20b9)<\/strong><\/td><\/tr><tr><td>Credit Card A<\/td><td>80,000<\/td><td>49.36%<\/td><td>4,000<\/td><\/tr><tr><td>Credit Card B<\/td><td>60,000<\/td><td>42%<\/td><td>3,000<\/td><\/tr><tr><td>\u2026<\/td><td>\u2026<\/td><td>\u2026<\/td><td>\u2026<\/td><\/tr><tr><td>Personal Loan<\/td><td>2,50,000<\/td><td>14%<\/td><td>8,000<\/td><\/tr><tr><td>Home Loan<\/td><td>20,00,000<\/td><td>7.5%<\/td><td>18,000<\/td><\/tr><tr><td><strong>Total Monthly EMIs<\/strong><\/td><td><\/td><td><\/td><td><strong>45,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Having this spreadsheet shining in black and white highlights exactly how much wears away at your income each month.<\/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. Prioritize Repayment: Avalanche vs. Snowball<\/strong><\/h2>\n\n\n\n<p>There are two popular methods to attack debt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avalanche Method:<\/strong> Pay off the highest\u2011rate debt first (typically credit cards at ~45%\u202fp.a.). This minimizes total interest paid.<br><\/li>\n\n\n\n<li><strong>Snowball Method:<\/strong> Eliminate the smallest debt balances first to build momentum and morale.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Why Avalanche Often Wins for High\u2011Rate Debt<\/strong><\/h3>\n\n\n\n<p>Since credit\u2011card APRs hover between <strong>42%\u201352%<\/strong>, focusing extra payments on those cards saves you the most money. Here\u2019s how:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Continue Minimums<\/strong> on all cards to avoid penalties.<br><\/li>\n\n\n\n<li><strong>Allocate All Extra Cash<\/strong> (even just an extra \u20b92,000\u2013\u20b95,000) to the card with the highest rate.<br><\/li>\n\n\n\n<li><strong>Once Paid Off, Roll Its Minimum<\/strong> into the next highest\u2011rate card.<br><\/li>\n<\/ol>\n\n\n\n<p>Over a year, knocking down a \u20b960,000 balance at 49%\u202fp.a. even five months early saves you <strong>over \u20b93,000<\/strong> in interest.<\/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. Negotiate Better Terms<\/strong><\/h2>\n\n\n\n<p>You have negotiating power. Lenders often prefer reducing your rate to chasing penalties.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>On Credit Cards<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Call Customer Care:<\/strong> Ask politely for an APR reduction. Cite any offers you see online or better rates from competitor banks.<br><\/li>\n\n\n\n<li><strong>Balance Transfer Offers:<\/strong> Many issuers let you shift balances to a new card at <strong>0%\u20131.5%<\/strong> for 3\u20136 months, with a one\u2011time transfer fee (1\u20132% of the amount). Use that breathing space to pay down principal.<br><\/li>\n\n\n\n<li><strong>Convert to EMI Plans:<\/strong> Convert big balances into 3\u201312\u2011month EMI tenures at <strong>12%\u201318%<\/strong>\u202fp.a. (often half your usual card rate).<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>On Personal &amp; Home Loans<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Refinance\/Top\u2011Up Offers:<\/strong> Banks like SBI and HDFC often provide lower floating rates after rate cuts. RBI\u2019s recent <strong>50\u202fbp<\/strong> repo cut aims to push lending rates down across the board.<br><\/li>\n\n\n\n<li><strong>Negotiate Fees:<\/strong> Request waivers or discounts on processing fees, late\u2011fee reversals, or foreclosure penalties.<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. Optimize Your Single\u2011Income Budget<\/strong><\/h2>\n\n\n\n<p>When one salary carries everything, every rupee counts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Zero\u2011Based Budgeting<\/strong><\/h3>\n\n\n\n<p>Assign every rupee a job:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Essentials (50%):<\/strong> Rent, groceries, utilities, transport.<br><\/li>\n\n\n\n<li><strong>Debt Repayment (30%):<\/strong> EMIs and accelerated payments.<br><\/li>\n\n\n\n<li><strong>Savings &amp; Investments (10%):<\/strong> Emergency fund and SIPs.<br><\/li>\n\n\n\n<li><strong>Discretionary (10%):<\/strong> Fun money, but strictly capped.<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Cut Recurring Costs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Subscriptions Audit:<\/strong> Cancel underused OTTs, magazine subscriptions, and gym memberships.<br><\/li>\n\n\n\n<li><strong>Switch to Cheat\u2011Sheet Grocery Brands:<\/strong> Local kirana over high\u2011end supermarkets can save 10\u201315%.<br><\/li>\n\n\n\n<li><strong>Carpool or Public Transport:<\/strong> Reducing fuel bills by 30\u201340%.<br><\/li>\n<\/ul>\n\n\n\n<p>Even a <strong>\u20b95,000 monthly<\/strong> trimming adds <strong>\u20b960,000 a year<\/strong> toward 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>5. Boost Cash Flow: Side Income &amp; Savings Hacks<\/strong><\/h2>\n\n\n\n<p>Free up cash without quitting your day job.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Easy Side Hustles<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freelancing:<\/strong> Writing, graphic design, tutoring\u202f\u2014\u202fplatforms like Upwork or Internshala can net \u20b95,000\u2013\u20b915,000\/month.<br><\/li>\n\n\n\n<li><strong>Digital Courses or Webinars:<\/strong> Package your skills into a one\u2011off paid session.<br><\/li>\n\n\n\n<li><strong>Rent Out Assets:<\/strong> Extra room on Airbnb, parking spot, or car via Zoomcar.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2 Savings Hacks<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Round\u2011Up Apps:<\/strong> Apps that round your spends to the nearest \u20b9100 and auto\u2011invest the spare change into a debt fund.<br><\/li>\n\n\n\n<li><strong>Cashback &amp; Reward Optimization:<\/strong> Use one or two cards that give 5\u201310% cashback on groceries, fuel, or utility bills. Redeem points toward EMIs or gift vouchers.<br><\/li>\n<\/ul>\n\n\n\n<p>Every extra \u20b910,000 per month from side gigs speeds up your debt\u2011free date by several 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>6. Build &amp; Protect Your Emergency Fund<\/strong><\/h2>\n\n\n\n<p>Nothing derails your plan faster than an unforeseen medical or home repair bill.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Target:<\/strong> <strong>3\u20136 months<\/strong> of household expenses (EMIs + essentials).<br><\/li>\n\n\n\n<li><strong>Where to Park:<\/strong> Liquid debt mutual funds or high\u2011interest savings accounts offering <strong>4\u20136%<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<p>Once you hit your fund target, your burn rate drops\u2014no more borrowing on cards when the car breaks down.<\/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. Maintain Long\u2011Term Financial Health<\/strong><\/h2>\n\n\n\n<p>Once the worst debts are conquered, shift to growth and resilience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.1 Invest Systematically<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity SIPs:<\/strong> Start a small SIP (as low as \u20b9500\/month) in a large\u2011cap index fund. Over time, compounding accelerates.<br><\/li>\n\n\n\n<li><strong>Debt Funds:<\/strong> Short\u2011duration corporate bond funds cushion volatility and offer <strong>7\u20138%<\/strong> returns.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.2 Insure to Prevent Future Shocks<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Health Insurance:<\/strong> Family \u00adfloater plans from \u20b95,000\/year cover \u20b95\u201310\u202flakhs in medical bills.<br><\/li>\n\n\n\n<li><strong>Term Life Insurance:<\/strong> A \u20b950\u202flakh policy for under \u20b91,500\/year keeps loved ones safe.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.3 Review &amp; Adjust Annually<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revisit your debt\u2011free timeline, rebalance investments, and renegotiate any remaining loans.<br><\/li>\n\n\n\n<li>Track key metrics: <strong>Debt-to-Income Ratio<\/strong>, <strong>EMI Burden (% of Income)<\/strong>, and <strong>Credit Utilization<\/strong> (keep below 30% on each card).<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>Handling seven credit cards and multiple loans on a single income earner\u2019s salary may feel impossible, but with a clear plan you can:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Know Your Numbers<\/strong> inside out.<br><\/li>\n\n\n\n<li><strong>Attack High\u2011Rate Debt<\/strong> with the avalanche method.<br><\/li>\n\n\n\n<li><strong>Negotiate<\/strong> lower rates and smarter EMI conversions.<br><\/li>\n\n\n\n<li><strong>Optimize<\/strong> every rupee in your budget.<br><\/li>\n\n\n\n<li><strong>Supplement<\/strong> income with side hustles.<br><\/li>\n\n\n\n<li><strong>Shield<\/strong> yourself with an emergency fund.<br><\/li>\n\n\n\n<li><strong>Commit<\/strong> to a long\u2011term, diversified investment and insurance strategy.<br><\/li>\n<\/ol>\n\n\n\n<p>By following these steps, you\u2019ll transform stress and debt into financial stability\u2014and maybe even a future where credit\u2011card dependence is a thing of the past.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Juggling seven credit cards, multiple loans, and relying on a single income earner can feel like walking a financial tightrope. In today\u2019s India, household debt\u202f\u2014\u202fincluding personal loans, credit cards, and EMIs\u202f\u2014\u202fhas climbed to 17.1% of GDP, up from 14.9% last year, as families dip into loans to fund everything from daily expenses to big-ticket purchases. At the same time, unsecured loans such as credit\u2011card balances have grown at an annual rate of 21.3% between 2021 and 2024, tightening the noose on monthly budgets. If you\u2019re the sole breadwinner, the pressure magnifies: missed EMI payments or high credit\u2011card bills can quickly snowball into mounting penalties, damaged credit scores, and sleepless nights. This guide walks you through exactly how to regain control. Let\u2019s turn that tangle of seven credit cards and multiple EMIs into a clear, manageable plan. 1. Take Stock: Know Exactly Where You Stand Before you can climb out of debt, create a complete picture of your liabilities and cash flow: Liability Type Outstanding (\u20b9) Interest Rate (p.a.) EMI\/Minimum Due (\u20b9) Credit Card A 80,000 49.36% 4,000 Credit Card B 60,000 42% 3,000 \u2026 \u2026 \u2026 \u2026 Personal Loan 2,50,000 14% 8,000 Home Loan 20,00,000 7.5% 18,000 Total Monthly EMIs 45,000 Having this spreadsheet shining in black and white highlights exactly how much wears away at your income each month. 2. Prioritize Repayment: Avalanche vs. Snowball There are two popular methods to attack debt: Why Avalanche Often Wins for High\u2011Rate Debt Since credit\u2011card APRs hover between 42%\u201352%, focusing extra payments on those cards saves you the most money. Here\u2019s how: Over a year, knocking down a \u20b960,000 balance at 49%\u202fp.a. even five months early saves you over \u20b93,000 in interest. 3. Negotiate Better Terms You have negotiating power. Lenders often prefer reducing your rate to chasing penalties. On Credit Cards On Personal &amp; Home Loans 4. Optimize Your Single\u2011Income Budget When one salary carries everything, every rupee counts. 4.1 Zero\u2011Based Budgeting Assign every rupee a job: 4.2 Cut Recurring Costs Even a \u20b95,000 monthly trimming adds \u20b960,000 a year toward debt. 5. Boost Cash Flow: Side Income &amp; Savings Hacks Free up cash without quitting your day job. 5.1 Easy Side Hustles 5.2 Savings Hacks Every extra \u20b910,000 per month from side gigs speeds up your debt\u2011free date by several months. 6. Build &amp; Protect Your Emergency Fund Nothing derails your plan faster than an unforeseen medical or home repair bill. Once you hit your fund target, your burn rate drops\u2014no more borrowing on cards when the car breaks down. 7. Maintain Long\u2011Term Financial Health Once the worst debts are conquered, shift to growth and resilience. 7.1 Invest Systematically 7.2 Insure to Prevent Future Shocks 7.3 Review &amp; Adjust Annually Conclusion Handling seven credit cards and multiple loans on a single income earner\u2019s salary may feel impossible, but with a clear plan you can: By following these steps, you\u2019ll transform stress and debt into financial stability\u2014and maybe even a future where credit\u2011card dependence is a thing of the past. 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-1118","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1118","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=1118"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1118\/revisions"}],"predecessor-version":[{"id":1128,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1118\/revisions\/1128"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1118"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1118"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1118"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}