{"id":1145,"date":"2025-06-24T16:08:17","date_gmt":"2025-06-24T16:08:17","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1145"},"modified":"2025-06-23T12:37:52","modified_gmt":"2025-06-23T12:37:52","slug":"%e2%82%b910-lakhs-debt-on-an-%e2%82%b918k-salary-your-10%e2%80%91step-recovery-blueprint","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/%e2%82%b910-lakhs-debt-on-an-%e2%82%b918k-salary-your-10%e2%80%91step-recovery-blueprint\/","title":{"rendered":"\u20b910\u202fLakhs Debt on an \u20b918K Salary\u2014Your 10\u2011Step Recovery Blueprint"},"content":{"rendered":"\n<p>Carrying \u20b910\u202flakhs of debt on a monthly salary of just \u20b918,000 can feel like climbing Everest in flip\u2011flops. Yet, millions of Indians face similar pressure: household debt has surged to about <strong>42.1%<\/strong> of GDP, driven by easy credit and rising living costs. At the same time, household savings have fallen to <strong>18.1%<\/strong> of GDP, forcing more families to rely on loans for everyday expenses .<\/p>\n\n\n\n<p>Personal\u2011loan interest rates range widely\u2014from <strong>10% to as high as 44% p.a.<\/strong>\u2014depending on your credit score and lender . Add credit\u2011card dues at <strong>42\u201352%<\/strong> p.a., and a \u20b910\u202flakh debt can spiral beyond your control if left unchecked. But recovery isn\u2019t impossible. With clear steps, discipline, and a long\u2011term mindset, you can claw your way back to financial health.<\/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. Face the Reality: Map Your Full Debt Picture<\/strong><\/h2>\n\n\n\n<p>Before you can conquer debt, you need a clear battlefield map.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>List Every Liability:<\/strong> Home or personal loans, credit cards, buy\u2011now\u2011pay\u2011later, or any informal borrowings.<br><\/li>\n\n\n\n<li><strong>Record Balances &amp; Rates:<\/strong> For each, note the outstanding principal, interest rate, minimum monthly due, and tenor.<br><\/li>\n\n\n\n<li><strong>Calculate Total Monthly Dues:<\/strong> Sum up all EMIs and minimum payments to see how much of your \u20b918K salary is already spoken for.<br><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Debt Type<\/strong><\/td><td><strong>Outstanding (\u20b9)<\/strong><\/td><td><strong>Rate (%\u202fp.a.)<\/strong><\/td><td><strong>Minimum Due (\u20b9)<\/strong><\/td><\/tr><tr><td>Personal Loan<\/td><td>4,00,000<\/td><td>12\u201316%<\/td><td>12,000<\/td><\/tr><tr><td>Credit\u2011Card Dues<\/td><td>2,50,000<\/td><td>42\u201352%<\/td><td>15,000<\/td><\/tr><tr><td>Buy\u2011Now\u2011Pay\u2011Later<\/td><td>1,00,000<\/td><td>24%<\/td><td>5,000<\/td><\/tr><tr><td>Education Loan<\/td><td>2,50,000<\/td><td>10\u201314%<\/td><td>7,000<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>10,00,000<\/strong><\/td><td>\u2014<\/td><td><strong>39,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Reality Check:<\/strong> You\u2019re already \u20b921,000 short each month (\u20b939K dues \u2212 \u20b918K salary). Mapping this gap is painful but crucial.<\/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. Stop the Bleeding: Halt New Borrowing Immediately<\/strong><\/h2>\n\n\n\n<p>Taking fresh loans to cover old ones is a one\u2011way ticket to a debt spiral.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Uninstall Loan Apps:<\/strong> Remove any quick\u2011cash apps that tempt you with \u201cinstant approval.\u201d<br><\/li>\n\n\n\n<li><strong>Freeze Your Credit Cards:<\/strong> Temporarily block them or switch to debit\u2011only mode.<br><\/li>\n\n\n\n<li><strong>Announce a \u201cNo\u2011New\u2011Debt\u201d Rule:<\/strong> Tell family or friends you won\u2019t borrow again until you\u2019ve cleared at least one major liability.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Why It Matters:<\/strong> Pausing new debt stops the balance from growing and gives you a fighting chance to focus on existing obligations.<\/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. Build a Bare\u2011Bones Budget: Every Rupee Counts<\/strong><\/h2>\n\n\n\n<p>With only \u20b918K coming in, ruthless budgeting is non\u2011negotiable.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Zero\u2011Based Budgeting:<\/strong> Assign every rupee a job\u2014essentials, debt, emergency fund, discretionary.<br><\/li>\n\n\n\n<li><strong>Track Expenses Religiously:<\/strong> Use free apps like Money View or a simple Excel sheet to record every expense.<br><\/li>\n\n\n\n<li><strong>Slash Non\u2011Essentials:<\/strong> Cut OTT subscriptions, dining out, and impulse buys. Even saving \u20b91,000 a month frees up \u20b912,000 a year towards debt.<br><\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>Allocation (%)<\/strong><\/td><td><strong>Amount (\u20b9)<\/strong><\/td><\/tr><tr><td><strong>Essentials<\/strong><\/td><td>50%<\/td><td>9,000<\/td><\/tr><tr><td><strong>Debt Payments<\/strong><\/td><td>40%<\/td><td>7,200<\/td><\/tr><tr><td><strong>Emergency Fund<\/strong><\/td><td>5%<\/td><td>900<\/td><\/tr><tr><td><strong>Discretionary<\/strong><\/td><td>5%<\/td><td>900<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Pro Tip:<\/strong> If essentials (rent, utilities, groceries) exceed 50%, negotiate rent with your landlord, switch to cheaper groceries, or share housing.<\/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. Create a Small Emergency Fund: Prevent Future Crises<\/strong><\/h2>\n\n\n\n<p>Without any cushion, a single medical bill or unexpected repair can force you back into high\u2011cost borrowing.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Target:<\/strong> \u20b918,000 (1 month\u2019s essentials) initially.<br><\/li>\n\n\n\n<li><strong>Where to Park:<\/strong> Liquid debt mutual fund or high\u2011interest savings account yielding <strong>4\u20136% p.a.<\/strong>.<br><\/li>\n\n\n\n<li><strong>How to Fund:<\/strong> Allocate that 5% in your budget (\u20b9900\/month) until you hit the target, then expand to 3 months of expenses.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Why It Helps:<\/strong> With a small buffer, you won\u2019t need another app loan when the next emergency strikes.<\/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. Prioritize Debt Repayment: Avalanche vs. Snowball<\/strong><\/h2>\n\n\n\n<p>Two proven methods can accelerate your debt payoff:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Avalanche Method:<\/strong> Pay off the highest\u2011rate debt first (likely credit\u2011card dues at 42\u201352%). This minimizes total interest paid.<br><\/li>\n\n\n\n<li><strong>Snowball Method:<\/strong> Clear the smallest debt balance first (e.g., a small BNPL or education loan) to build momentum and confidence.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action Plan:<\/strong> Allocate any extra rupee to your chosen target debt while continuing minimum payments on others. Even an extra \u20b92,000 per month slashes years off your repayment timeline.<\/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. Negotiate and Refinance: Lower Your Rates<\/strong><\/h2>\n\n\n\n<p>Banks and NBFCs often prefer a negotiated settlement over defaults.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Personal\u2011Loan Top\u2011Up or Balance Transfer<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Top up your higher\u2011rate personal loan (12\u201316%) into a new loan at <strong>9.99\u201310.85%<\/strong> p.a. from IDFC FIRST or ICICI.<br><\/li>\n\n\n\n<li>Transfer credit\u2011card balances into a 0\u20131.5% balance\u2011transfer offer for 3\u20136 months, paying a small fee instead of 42\u201352% p.a. interest.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 One\u2011Time Settlements<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Propose paying <strong>70\u201380%<\/strong> of the outstanding principal in one go to have the lender waive the rest of interest and penalty\u2014banks often accept to cut losses.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.3 Government Schemes &amp; RBI Safeguards<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>RBI\u2019s tighter credit\u2011reporting rules (fortnightly updates) help lenders identify genuine low\u2011risk borrowers\u2014use this to negotiate better terms.<br><\/li>\n\n\n\n<li>Under the Digital Lending Directions, 2025, lenders must disclose all fees and not harass you\u2014file an RBI complaint if they do otherwise .<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Tip:<\/strong> Always get negotiated terms in writing\u2014email or signed letters avoid future disputes.<\/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. Boost Your Income: Every Extra Rupee Helps<\/strong><\/h2>\n\n\n\n<p>On \u20b918K, even small side gigs can move the needle.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Freelancing &amp; Tutoring:<\/strong> Use skills (writing, design, language tutoring) on platforms like Internshala or Chegg; earn <strong>\u20b95,000\u2013\u20b910,000<\/strong> per month.<br><\/li>\n\n\n\n<li><strong>Micro\u2011Entrepreneurship:<\/strong> Sell homemade goods, digital prints, or drop\u2011ship items via Meesho.<br><\/li>\n\n\n\n<li><strong>Weekend\/Part\u2011Time Jobs:<\/strong> Ridesharing, delivery, or customer\u2011service roles can add <strong>\u20b93,000\u2013\u20b97,000<\/strong>.<br><\/li>\n\n\n\n<li><strong>Upskilling:<\/strong> Short online courses in data entry, digital marketing, or coding boost your full\u2011time salary prospects.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Motivation:<\/strong> An extra \u20b98,000 a month cuts your debt gap by two\u2011thirds\u2014and feels surprisingly achievable with dedicated effort.<\/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. Consolidate Debt via P2P or NBFCs<\/strong><\/h2>\n\n\n\n<p>Peer\u2011to\u2011peer lending platforms and regulated NBFCs can offer lower rates than app\u2011based loans.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>P2P Platforms:<\/strong> Faircent or LenDenClub match you with investors at <strong>12\u201318%<\/strong> p.a., versus 30\u201340% on apps.<br><\/li>\n\n\n\n<li><strong>NBFC Loans:<\/strong> Some banks\u2019 NBFC arms provide personal loans starting at <strong>10.3%<\/strong> p.a. (SBI) or <strong>11.25%<\/strong> (Axis).<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Caution:<\/strong> Verify all charges up front and ensure you can commit to the EMI schedule\u2014defaulting on another platform only compounds your problems.<\/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. Maintain the Right Mindset &amp; Emotional Health<\/strong><\/h2>\n\n\n\n<p>Debt recovery is as much psychological as financial.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Set Small Milestones:<\/strong> Celebrate each \u20b950,000 of debt cleared\u2014small wins fuel motivation.<br><\/li>\n\n\n\n<li><strong>Accountability Partner:<\/strong> Share your plan with a trusted friend or family member who checks in regularly.<br><\/li>\n\n\n\n<li><strong>Stress\u2011Relief Rituals:<\/strong> Daily walks, meditation, or journaling keep anxiety at bay and decision\u2011making clear.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Remember:<\/strong> Many successful savers started in worse situations. Focus on progress, not perfection.<\/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. Build Long\u2011Term Habits: Prevent Future Debt<\/strong><\/h2>\n\n\n\n<p>Once you tamed the \u20b910\u202flakh monster, guard against relapse:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Maintain an Emergency Fund:<\/strong> Grow it to <strong>6 months\u2019<\/strong> expenses.<br><\/li>\n\n\n\n<li><strong>Save &amp; Invest via SIPs:<\/strong> Even \u20b9500\/month in low\u2011cost equity or hybrid funds compounds powerfully over years.<br><\/li>\n\n\n\n<li><strong>Live Below Your Means:<\/strong> Keep your budget lean and avoid lifestyle creep with each raise.<br><\/li>\n\n\n\n<li><strong>Monitor Your Credit Score:<\/strong> Check CIBIL\/Equifax quarterly; timely payments keep your score above 700 for best loan terms.<br><\/li>\n\n\n\n<li><strong>Educate Yourself:<\/strong> Read personal\u2011finance books, blogs, or join community groups to stay motivated and informed.<br><\/li>\n<\/ol>\n\n\n\n<p><strong>Long\u2011Game Payoff:<\/strong> A disciplined saver on an \u20b918K salary can become a homeowner or investor in a few years\u2014debt no longer dictates your life.<\/p>\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>Escaping \u20b910\u202flakhs of debt on an \u20b918,000 salary is undeniably tough\u2014but entirely possible. By:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Mapping<\/strong> your full debt picture,<br><\/li>\n\n\n\n<li><strong>Halting<\/strong> new borrowing,<br><\/li>\n\n\n\n<li><strong>Budgeting<\/strong> ruthlessly,<br><\/li>\n\n\n\n<li><strong>Building<\/strong> a small emergency fund,<br><\/li>\n\n\n\n<li><strong>Prioritizing<\/strong> high\u2011rate debts,<br><\/li>\n\n\n\n<li><strong>Negotiating<\/strong> better terms,<br><\/li>\n\n\n\n<li><strong>Boosting<\/strong> income,<br><\/li>\n\n\n\n<li><strong>Consolidating<\/strong> smartly,<br><\/li>\n\n\n\n<li><strong>Cultivating<\/strong> a resilient mindset, and<br><\/li>\n\n\n\n<li><strong>Forming<\/strong> lasting habits,<br><\/li>\n<\/ol>\n\n\n\n<p>you\u2019ll transform your finances from crisis to control. Start today\u2014each small step compounds into freedom from debt and the confidence to build real wealth.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Carrying \u20b910\u202flakhs of debt on a monthly salary of just \u20b918,000 can feel like climbing Everest in flip\u2011flops. Yet, millions of Indians face similar pressure: household debt has surged to about 42.1% of GDP, driven by easy credit and rising living costs. At the same time, household savings have fallen to 18.1% of GDP, forcing more families to rely on loans for everyday expenses . Personal\u2011loan interest rates range widely\u2014from 10% to as high as 44% p.a.\u2014depending on your credit score and lender . Add credit\u2011card dues at 42\u201352% p.a., and a \u20b910\u202flakh debt can spiral beyond your control if left unchecked. But recovery isn\u2019t impossible. With clear steps, discipline, and a long\u2011term mindset, you can claw your way back to financial health. 1. Face the Reality: Map Your Full Debt Picture Before you can conquer debt, you need a clear battlefield map. Debt Type Outstanding (\u20b9) Rate (%\u202fp.a.) Minimum Due (\u20b9) Personal Loan 4,00,000 12\u201316% 12,000 Credit\u2011Card Dues 2,50,000 42\u201352% 15,000 Buy\u2011Now\u2011Pay\u2011Later 1,00,000 24% 5,000 Education Loan 2,50,000 10\u201314% 7,000 Total 10,00,000 \u2014 39,000 Reality Check: You\u2019re already \u20b921,000 short each month (\u20b939K dues \u2212 \u20b918K salary). Mapping this gap is painful but crucial. 2. Stop the Bleeding: Halt New Borrowing Immediately Taking fresh loans to cover old ones is a one\u2011way ticket to a debt spiral. Why It Matters: Pausing new debt stops the balance from growing and gives you a fighting chance to focus on existing obligations. 3. Build a Bare\u2011Bones Budget: Every Rupee Counts With only \u20b918K coming in, ruthless budgeting is non\u2011negotiable. Category Allocation (%) Amount (\u20b9) Essentials 50% 9,000 Debt Payments 40% 7,200 Emergency Fund 5% 900 Discretionary 5% 900 Pro Tip: If essentials (rent, utilities, groceries) exceed 50%, negotiate rent with your landlord, switch to cheaper groceries, or share housing. 4. Create a Small Emergency Fund: Prevent Future Crises Without any cushion, a single medical bill or unexpected repair can force you back into high\u2011cost borrowing. Why It Helps: With a small buffer, you won\u2019t need another app loan when the next emergency strikes. 5. Prioritize Debt Repayment: Avalanche vs. Snowball Two proven methods can accelerate your debt payoff: Action Plan: Allocate any extra rupee to your chosen target debt while continuing minimum payments on others. Even an extra \u20b92,000 per month slashes years off your repayment timeline. 6. Negotiate and Refinance: Lower Your Rates Banks and NBFCs often prefer a negotiated settlement over defaults. 6.1 Personal\u2011Loan Top\u2011Up or Balance Transfer 6.2 One\u2011Time Settlements 6.3 Government Schemes &amp; RBI Safeguards Tip: Always get negotiated terms in writing\u2014email or signed letters avoid future disputes. 7. Boost Your Income: Every Extra Rupee Helps On \u20b918K, even small side gigs can move the needle. Motivation: An extra \u20b98,000 a month cuts your debt gap by two\u2011thirds\u2014and feels surprisingly achievable with dedicated effort. 8. Consolidate Debt via P2P or NBFCs Peer\u2011to\u2011peer lending platforms and regulated NBFCs can offer lower rates than app\u2011based loans. Caution: Verify all charges up front and ensure you can commit to the EMI schedule\u2014defaulting on another platform only compounds your problems. 9. Maintain the Right Mindset &amp; Emotional Health Debt recovery is as much psychological as financial. Remember: Many successful savers started in worse situations. Focus on progress, not perfection. 10. Build Long\u2011Term Habits: Prevent Future Debt Once you tamed the \u20b910\u202flakh monster, guard against relapse: Long\u2011Game Payoff: A disciplined saver on an \u20b918K salary can become a homeowner or investor in a few years\u2014debt no longer dictates your life. Conclusion Escaping \u20b910\u202flakhs of debt on an \u20b918,000 salary is undeniably tough\u2014but entirely possible. By: you\u2019ll transform your finances from crisis to control. Start today\u2014each small step compounds into freedom from debt and the confidence to build real wealth. 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-1145","post","type-post","status-publish","format-standard","hentry","category-finance","entry"],"_links":{"self":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1145","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=1145"}],"version-history":[{"count":1,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1145\/revisions"}],"predecessor-version":[{"id":1155,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/posts\/1145\/revisions\/1155"}],"wp:attachment":[{"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/media?parent=1145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/categories?post=1145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thepumumedia.com\/blogs\/wp-json\/wp\/v2\/tags?post=1145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}