{"id":1124,"date":"2025-06-23T15:58:09","date_gmt":"2025-06-23T15:58:09","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1124"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"%e2%82%b950k-income-%e2%82%b970000-emi-can-you-make-it-work","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/%e2%82%b950k-income-%e2%82%b970000-emi-can-you-make-it-work\/","title":{"rendered":"\u20b950K Income &amp; \u20b970000 EMI\u2014Can You Make It Work?"},"content":{"rendered":"\n<p>Paying an EMI that exceeds your monthly take\u2011home pay can feel like a financial tightrope walk. Imagine earning just <strong>\u20b950,000<\/strong> a month but shelling out <strong>\u20b970,000<\/strong> in EMIs. That\u2019s a <strong>140% EMI\u2011to\u2011income ratio<\/strong>\u2014far above the national average of around <strong>33%<\/strong> . In fact, the average Indian household now spends <strong>61%<\/strong> of its income servicing EMIs, a jump from <strong>46%<\/strong> in 2020 . Meanwhile, with retail inflation cooling to <strong>2.82%<\/strong> in May\u202f2025, essentials aren\u2019t getting much cheaper\u2014even as food and housing costs continue to outpace headline figures.<\/p>\n\n\n\n<p>Is a \u20b970,000 EMI on a \u20b950,000 salary an unfixable mistake, or can you steer back to safer financial ground? This guide lays out <strong>step\u2011by\u2011step<\/strong> strategies\u2014from crunching the real numbers to cutting costs, restructuring debt, and boosting income\u2014so you can decide whether and how to make it work, or when to change course altogether.<\/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. Grasping the Numbers: Your EMI Burden in Context<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1 What Does \u201cEMI Ratio\u201d Mean?<\/strong><\/h3>\n\n\n\n<p>Your <strong>EMI ratio<\/strong> is the share of your monthly income that goes toward all your EMIs (home loan, car loan, personal loan, education loan, etc.). A healthy ratio is typically <strong>30\u201340%<\/strong>\u2014anything above <strong>50%<\/strong> is considered risky. At <strong>140%<\/strong>, you\u2019re already borrowing from next month\u2019s salary to pay this month\u2019s EMIs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.2 Average Income vs. Your Income<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>National Average Salary:<\/strong> In 2025, the average annual salary in India is about <strong>\u20b93,58,000<\/strong>, or roughly <strong>\u20b929,800<\/strong> per month.<br><\/li>\n\n\n\n<li><strong>Your Income:<\/strong> \u20b950,000 per month\u2014<strong>68% higher<\/strong> than the national average, but still a modest sum in major metros where living costs bite hard.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.3 Typical EMI Burden in India<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Average EMI Spend:<\/strong> <strong>33%<\/strong> of monthly income goes into EMIs for the average salaried Indian .<br><\/li>\n\n\n\n<li><strong>Rising Trend:<\/strong> This EMI\u2011to\u2011income ratio climbed from <strong>46% in 2020 to 61% in 2024<\/strong>, reflecting higher home\u2011loan rates and bigger loan sizes.<br><\/li>\n<\/ul>\n\n\n\n<p>By these benchmarks, an EMI ratio of <strong>140%<\/strong> is more than <strong>double<\/strong> the safe limit\u2014an urgent red flag.<\/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. Break Down Your Liabilities<\/strong><\/h2>\n\n\n\n<p>To see a path forward, list each loan, its balance, interest rate, and monthly EMI:<\/p>\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 (\u20b9)<\/strong><\/td><td><strong>Rate (%\u202fp.a.)<\/strong><\/td><td><strong>EMI (\u20b9)<\/strong><\/td><\/tr><tr><td>Home Loan<\/td><td>50,00,000<\/td><td>7.85%\u20139.50%<\/td><td>45,000<\/td><\/tr><tr><td>Car Loan<\/td><td>5,00,000<\/td><td>9%\u201312%<\/td><td>8,000<\/td><\/tr><tr><td>Personal Loan<\/td><td>3,00,000<\/td><td>14%<\/td><td>7,000<\/td><\/tr><tr><td>Credit\u2011Card Dues<\/td><td>1,50,000<\/td><td>42%\u201352%<\/td><td>10,000<\/td><\/tr><tr><td><strong>Total EMIs<\/strong><\/td><td><\/td><td><\/td><td><strong>70,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Most of this burden comes from one big loan\u2014often a home loan. With interest rates hovering between <strong>7.85% and 9.50%<\/strong>, even a modest house purchase can generate a crushing EMI .<\/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. Cut Costs Ruthlessly<\/strong><\/h2>\n\n\n\n<p>When EMIs devour your income, every rupee saved on living expenses frees up breathing room.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1 Audit Your Monthly Expenses<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Essentials vs. Discretionary:<\/strong> Divide your spends into must\u2011haves (rent, groceries, utilities) and nice\u2011to\u2011haves (dining out, subscriptions, shopping).<br><\/li>\n\n\n\n<li><strong>Track Every Rupee:<\/strong> Use apps like Mint, Money View, or a simple spreadsheet.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2 Slash Discretionary Spending<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Subscriptions:<\/strong> Cancel under\u2011used OTT platforms, magazine subscriptions, or premium app services.<br><\/li>\n\n\n\n<li><strong>Dining &amp; Takeout:<\/strong> Limit restaurant outings to once a month. Cooking at home can save <strong>\u20b95,000\u2013\u20b98,000<\/strong> monthly.<br><\/li>\n\n\n\n<li><strong>Transport:<\/strong> Carpool, switch to public transit, or bike to work\u2014potentially saving <strong>\u20b92,000\u2013\u20b94,000<\/strong> on fuel and parking.<br><\/li>\n<\/ul>\n\n\n\n<p>Even trimming <strong>\u20b910,000<\/strong> from non\u2011essentials cuts your EMI ratio by <strong>20 percentage points<\/strong>\u2014a significant dent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.3 Negotiate Utility Bills<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Mobile &amp; Broadband:<\/strong> Shop annually for better plans\u2014many providers offer promotional rates up to <strong>30%<\/strong> lower.<br><\/li>\n\n\n\n<li><strong>Insurance Premiums:<\/strong> Compare term\u2011life and health insurance policies on portals like PolicyBazaar to find cheaper alternatives.<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. Restructure and Refinance Debt<\/strong><\/h2>\n\n\n\n<p>Your largest lever is reshaping your EMIs into something sustainable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1 Refinance Home Loan at Lower Rates<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>SBI\u2019s Recent Cut:<\/strong> Following the RBI\u2019s June\u202f2025 repo rate reduction, SBI slashed its External Benchmark Rate to <strong>8.15%<\/strong>, with home\u2011loan rates as low as <strong>7.50%<\/strong> for high\u2011CIBIL borrowers.<br><\/li>\n\n\n\n<li><strong>Public vs. Private Banks:<\/strong> Union Bank, PNB, and BoM offer starting rates at <strong>7.85%<\/strong>, while private banks like HDFC begin around <strong>8.45%<\/strong>.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> Approach your lender or switch via a balance transfer\/refinance to cut 0.5\u20131%\u202fp.a. off your rate\u2014this alone can trim EMI by <strong>5\u201310%<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2 Consolidate High\u2011Interest Debt<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit\u2011Card Dues:<\/strong> Convert into EMIs at <strong>12\u201318%<\/strong>\u202fp.a. rather than bearing <strong>42\u201352%<\/strong>\u202fp.a. .<br><\/li>\n\n\n\n<li><strong>Personal Loans:<\/strong> Refinance with a new loan at a lower rate if your credit score has improved.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.3 Extend Tenure (Cautiously)<\/strong><\/h3>\n\n\n\n<p>Stretching loan tenure reduces your monthly EMI but raises total interest paid. Only choose this if it moves your EMI ratio under <strong>50%<\/strong>\u2014beyond that, bite\u2011sized relief is better than a long-term interest drain.<\/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<\/strong><\/h2>\n\n\n\n<p>With EMIs so high, raising your take\u2011home pay is critical.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1 Freelancing &amp; Gig Work<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>In\u2011Demand Skills:<\/strong> Writing, graphic design, coding, digital marketing\u2014platforms like Upwork or Fiverr can net <strong>\u20b910,000\u2013\u20b925,000<\/strong> monthly for part\u2011time efforts.<br><\/li>\n\n\n\n<li><strong>Tutoring:<\/strong> Online or in\u2011person tuition (school subjects, language classes) can add <strong>\u20b95,000\u2013\u20b915,000<\/strong> per month.<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><strong>YouTube or Blogging:<\/strong> Ad revenue and affiliate links can turn passions into payouts.<br><\/li>\n\n\n\n<li><strong>Handmade Crafts or Baked Goods:<\/strong> Sell through local markets or online marketplaces like Etsy.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.3 Seek a Raise or Second Job<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Leverage Market Data:<\/strong> Average salary hikes in 2025 are projected at <strong>9.5%<\/strong>, marginally above 2024\u2019s <strong>9%<\/strong> . Use this to negotiate a performance\u2011based raise.<br><\/li>\n\n\n\n<li><strong>Part\u2011Time Roles:<\/strong> Evening or weekend roles in retail, delivery, or customer service can provide steady extra income.<br><\/li>\n<\/ul>\n\n\n\n<p>Even an extra <strong>\u20b915,000\u2013\u20b920,000<\/strong> per month reduces your EMI ratio dramatically and accelerates debt repayment.<\/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. Rethink Your Housing Decision<\/strong><\/h2>\n\n\n\n<p>If home\u2011loan EMI is the bulk of your burden, consider more drastic steps.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Downsize Your Home<\/strong><\/h3>\n\n\n\n<p>Selling a large apartment to buy a smaller, more affordable flat can slash your principal, lower EMI, and free up equity to clear other debts.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 Rent Rather Than Own<\/strong><\/h3>\n\n\n\n<p>In metros where rents have grown <strong>7\u201310%<\/strong> year\u2011on\u2011year, renting a modest 1\u202fBHK instead of owning a 2\u202fBHK can cut your shelter cost by half\u2014no EMIs, only monthly rent and maintenance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3 Co\u2011Living or PG Options<\/strong><\/h3>\n\n\n\n<p>Moving into a co\u2011living space or paying guest accommodation often includes utilities, meals, and Wi\u2011Fi in one package\u2014bringing your cost of living below <strong>\u20b915,000<\/strong> in many cities.<\/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. Build an Emergency Fund<\/strong><\/h2>\n\n\n\n<p>When EMIs exceed income, emergencies can force you into unaffordable borrowing.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Target:<\/strong> <strong>3 months<\/strong> of living expenses (including reworked EMI).<br><\/li>\n\n\n\n<li><strong>Parking Spot:<\/strong> Liquid debt funds or high\u2011interest savings accounts offering <strong>4\u20136%<\/strong>\u202fp.a.<br><\/li>\n\n\n\n<li><strong>Funding:<\/strong> Earmark <strong>10\u201315%<\/strong> of any extra income or savings from cost cuts into this fund until you reach your goal.<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. Adopt a Zero\u2011Based Budget<\/strong><\/h2>\n\n\n\n<p>Give every rupee a job until your newly adjusted income covers all expenses.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>List Net Income:<\/strong> \u20b950,000 + any new side income.<br><\/li>\n\n\n\n<li><strong>Allocate Categories:<\/strong> Must\u2011haves, EMIs (post\u2011restructure), emergency fund, discretionary.<br><\/li>\n\n\n\n<li><strong>Adjust Monthly:<\/strong> If actual spending exceeds plan, trim discretionary or channel more side income into the gap.<br><\/li>\n<\/ol>\n\n\n\n<p>Tools like <strong>Google Sheets<\/strong> or apps like <strong>Walnut<\/strong> can automate tracking and alerts.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Monitor, Review, and Adjust<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Weekly Check\u2011Ins:<\/strong> Compare actual vs. budget and tweak upcoming week\u2019s plan.<br><\/li>\n\n\n\n<li><strong>Monthly EMI Review:<\/strong> Confirm no unexpected variances or rate hikes.<br><\/li>\n\n\n\n<li><strong>Quarterly Income Review:<\/strong> As side hustles or job roles evolve, redistribute surplus to debt or savings.<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>10. When to Consider Professional Help<\/strong><\/h2>\n\n\n\n<p>If debt still overwhelms:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Counsellors:<\/strong> Non\u2011profit agencies can negotiate with lenders and structure sustainable repayment plans.<br><\/li>\n\n\n\n<li><strong>Financial Planners:<\/strong> Certified advisors help rebalance budgets, investments, and insurance to suit your new reality.<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>Running a <strong>\u20b970,000<\/strong> EMI on a <strong>\u20b950,000<\/strong> income is undeniably daunting\u2014but not necessarily impossible. The path involves:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Facing the facts:<\/strong> Scrub every liability and living cost.<br><\/li>\n\n\n\n<li><strong>Cutting ruthlessly:<\/strong> Slash non\u2011essentials to free cash.<br><\/li>\n\n\n\n<li><strong>Restructuring debt:<\/strong> Refinance, consolidate, and, if needed, extend tenures.<br><\/li>\n\n\n\n<li><strong>Earning more:<\/strong> Side gigs, freelancing, or negotiating a raise.<br><\/li>\n\n\n\n<li><strong>Rethinking housing:<\/strong> Downsize or rent if necessary.<br><\/li>\n\n\n\n<li><strong>Building buffers:<\/strong> An emergency fund shields you from crisis borrowing.<br><\/li>\n\n\n\n<li><strong>Budgeting smartly:<\/strong> Zero\u2011based allocation keeps you accountable.<br><\/li>\n\n\n\n<li><strong>Seeking help:<\/strong> Professional advice can shorten your road to stability.<br><\/li>\n<\/ol>\n\n\n\n<p>With disciplined action and periodic course corrections, you can tame even the most severe EMI burden\u2014and transform a precarious balance into a sustainable financial future.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Paying an EMI that exceeds your monthly take\u2011home pay can feel like a financial tightrope walk. Imagine earning just \u20b950,000 a month but shelling out \u20b970,000 in EMIs. That\u2019s a 140% EMI\u2011to\u2011income ratio\u2014far above the national average of around 33% . In fact, the average Indian household now spends 61% of its income servicing EMIs, a jump from 46% in 2020 . Meanwhile, with retail inflation cooling to 2.82% in May\u202f2025, essentials aren\u2019t getting much cheaper\u2014even as food and housing costs continue to outpace headline figures. Is a \u20b970,000 EMI on a \u20b950,000 salary an unfixable mistake, or can you steer back to safer financial ground? This guide lays out step\u2011by\u2011step strategies\u2014from crunching the real numbers to cutting costs, restructuring debt, and boosting income\u2014so you can decide whether and how to make it work, or when to change course altogether. 1. Grasping the Numbers: Your EMI Burden in Context 1.1 What Does \u201cEMI Ratio\u201d Mean? Your EMI ratio is the share of your monthly income that goes toward all your EMIs (home loan, car loan, personal loan, education loan, etc.). A healthy ratio is typically 30\u201340%\u2014anything above 50% is considered risky. At 140%, you\u2019re already borrowing from next month\u2019s salary to pay this month\u2019s EMIs. 1.2 Average Income vs. Your Income 1.3 Typical EMI Burden in India By these benchmarks, an EMI ratio of 140% is more than double the safe limit\u2014an urgent red flag. 2. Break Down Your Liabilities To see a path forward, list each loan, its balance, interest rate, and monthly EMI: Loan Type Outstanding (\u20b9) Rate (%\u202fp.a.) EMI (\u20b9) Home Loan 50,00,000 7.85%\u20139.50% 45,000 Car Loan 5,00,000 9%\u201312% 8,000 Personal Loan 3,00,000 14% 7,000 Credit\u2011Card Dues 1,50,000 42%\u201352% 10,000 Total EMIs 70,000 Most of this burden comes from one big loan\u2014often a home loan. With interest rates hovering between 7.85% and 9.50%, even a modest house purchase can generate a crushing EMI . 3. Cut Costs Ruthlessly When EMIs devour your income, every rupee saved on living expenses frees up breathing room. 3.1 Audit Your Monthly Expenses 3.2 Slash Discretionary Spending Even trimming \u20b910,000 from non\u2011essentials cuts your EMI ratio by 20 percentage points\u2014a significant dent. 3.3 Negotiate Utility Bills 4. Restructure and Refinance Debt Your largest lever is reshaping your EMIs into something sustainable. 4.1 Refinance Home Loan at Lower Rates Action: Approach your lender or switch via a balance transfer\/refinance to cut 0.5\u20131%\u202fp.a. off your rate\u2014this alone can trim EMI by 5\u201310%. 4.2 Consolidate High\u2011Interest Debt 4.3 Extend Tenure (Cautiously) Stretching loan tenure reduces your monthly EMI but raises total interest paid. Only choose this if it moves your EMI ratio under 50%\u2014beyond that, bite\u2011sized relief is better than a long-term interest drain. 5. Boost Your Income With EMIs so high, raising your take\u2011home pay is critical. 5.1 Freelancing &amp; Gig Work 5.2 Monetize Hobbies 5.3 Seek a Raise or Second Job Even an extra \u20b915,000\u2013\u20b920,000 per month reduces your EMI ratio dramatically and accelerates debt repayment. 6. Rethink Your Housing Decision If home\u2011loan EMI is the bulk of your burden, consider more drastic steps. 6.1 Downsize Your Home Selling a large apartment to buy a smaller, more affordable flat can slash your principal, lower EMI, and free up equity to clear other debts. 6.2 Rent Rather Than Own In metros where rents have grown 7\u201310% year\u2011on\u2011year, renting a modest 1\u202fBHK instead of owning a 2\u202fBHK can cut your shelter cost by half\u2014no EMIs, only monthly rent and maintenance. 6.3 Co\u2011Living or PG Options Moving into a co\u2011living space or paying guest accommodation often includes utilities, meals, and Wi\u2011Fi in one package\u2014bringing your cost of living below \u20b915,000 in many cities. 7. Build an Emergency Fund When EMIs exceed income, emergencies can force you into unaffordable borrowing. 8. Adopt a Zero\u2011Based Budget Give every rupee a job until your newly adjusted income covers all expenses. Tools like Google Sheets or apps like Walnut can automate tracking and alerts. 9. Monitor, Review, and Adjust 10. When to Consider Professional Help If debt still overwhelms: Conclusion Running a \u20b970,000 EMI on a \u20b950,000 income is undeniably daunting\u2014but not necessarily impossible. The path involves: With disciplined action and periodic course corrections, you can tame even the most severe EMI burden\u2014and transform a precarious balance into a sustainable financial future. 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