{"id":1253,"date":"2025-06-28T17:09:28","date_gmt":"2025-06-28T17:09:28","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1253"},"modified":"2025-06-23T12:37:51","modified_gmt":"2025-06-23T12:37:51","slug":"mastering-money-on-a-tight-budget-7-key-steps","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/mastering-money-on-a-tight-budget-7-key-steps\/","title":{"rendered":"Mastering Money on a Tight Budget: 7 Key Steps"},"content":{"rendered":"\n<p>Living on a tight budget can feel like walking a financial tightrope\u2014every rupee counts, and unexpected expenses can throw you off balance. Yet many Indians manage to grow their savings, invest wisely, and even build wealth, all while earning less than \u20b925,000 per month . With inflation hovering around 2.59% nationally (and spiking over 5% in some regions), and savings account rates as low as 2.5\u20132.75%, today\u2019s budget\u2011minded earners must be smarter than ever.<\/p>\n\n\n\n<p>This guide lays out seven practical steps\u2014grounded in the latest market data, expert insights, and real\u2011world strategies\u2014to help you master your money, even when every rupee is hard\u2011earned. By the end, you\u2019ll have a clear, actionable roadmap to track expenses, cut waste, build a safety net, automate savings, and invest for the long haul, all without sacrificing your well\u2011being.<\/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. Track Every Rupee: Your Financial GPS<\/strong><\/h2>\n\n\n\n<p>You can\u2019t improve what you don\u2019t measure. Begin by auditing your spending:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1. Why Tracking Matters<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Reveals hidden \u201cleaks\u201d like unused subscriptions or impulse buys.<br><\/li>\n\n\n\n<li>Helps you set realistic budgets based on actual habits.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.2. Tools to Use<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Goodbudget<\/strong> follows the envelope method, letting you allocate funds to categories.<br><\/li>\n\n\n\n<li><strong>Money Manager<\/strong> and <strong>Wallet by Budgetbakers<\/strong> offer intuitive dashboards for Indian users.<br><\/li>\n\n\n\n<li>Even a simple <strong>Google Sheet<\/strong> with columns for date, amount, category, and notes works wonders.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> For one month, record <strong>every<\/strong> expense\u2014\u20b95 tea, \u20b920 bus fare, \u20b9300 grocery run. Review at month\u2019s end to see where your money really goes.<\/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. Build a Zero\u2011Based Budget: Assign Purpose to Every Rupee<\/strong><\/h2>\n\n\n\n<p>Zero\u2011based budgeting means giving every rupee a job: bills, debt, savings, or spending.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1. The 50\u201130\u201120 Rule for Tight Budgets<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>50% Needs:<\/strong> Rent, utilities, groceries.<br><\/li>\n\n\n\n<li><strong>30% Wants:<\/strong> Occasional treats, entertainment.<br><\/li>\n\n\n\n<li><strong>20% Savings\/Debt:<\/strong> Emergency fund and small investments.<br><\/li>\n<\/ul>\n\n\n\n<p>If your take\u2011home is \u20b920,000, that\u2019s \u20b910,000 for needs, \u20b96,000 for wants, and \u20b94,000 for savings\/debt. Adjust percentages if necessary, but always allocate something to savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2. Monthly Budget Template<\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Category<\/strong><\/td><td><strong>% of Income<\/strong><\/td><td><strong>\u20b9 Amount (\u20b920,000)<\/strong><\/td><\/tr><tr><td>Needs (Rent, Food, Bills)<\/td><td>50%<\/td><td>10,000<\/td><\/tr><tr><td>Wants (Dining, Entertainment)<\/td><td>30%<\/td><td>6,000<\/td><\/tr><tr><td>Savings\/Debt<\/td><td>20%<\/td><td>4,000<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>100%<\/strong><\/td><td><strong>20,000<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Tip:<\/strong> If needs exceed 50%, trim wants first. If wants are minimal, boost savings above 20%.<\/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. Create a Mini Emergency Fund: Your Financial First Aid Kit<\/strong><\/h2>\n\n\n\n<p>Without a safety net, even small emergencies can derail your progress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.1. Three\u2011Phase Approach<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Phase\u202f1 \u2013 Mini\u2011Buffer:<\/strong> Save \u20b91,000\u2013\u20b92,000 as quickly as possible.<br><\/li>\n\n\n\n<li><strong>Phase\u202f2 \u2013 Basic Cushion:<\/strong> Grow to cover one month\u2019s essential expenses (\u20b910,000\u2013\u20b915,000).<br><\/li>\n\n\n\n<li><strong>Phase\u202f3 \u2013 Full Fund:<\/strong> Aim for 3 months of needs (\u20b930,000\u2013\u20b945,000) over time.<br><\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3.2. Best Parking Spots<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Liquid Mutual Funds<\/strong> offer 4\u20136% returns with next\u2011day redemption.<br><\/li>\n\n\n\n<li><strong>High\u2011Yield Savings<\/strong> accounts (e.g., IDFC FIRST: 7% for balances >\u20b95\u202flakh, 3% up to \u20b95\u202flakh)\u2014if you qualify.<br><\/li>\n\n\n\n<li><strong>Recurring Deposits:<\/strong> Lock in 6\u20137% with small monthly installments.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> Automate \u20b9500\/week to your chosen fund. In 2 months, you\u2019ll have your Phase\u202f1 buffer without feeling the pinch.<\/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. Automate Your Savings: \u201cSet and Forget\u201d for Success<\/strong><\/h2>\n\n\n\n<p>Automation kills procrastination and temptation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.1. Tools &amp; Techniques<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank Auto\u2011Sweep:<\/strong> Surplus balances move into fixed\u2011deposit-like sweeps at 6.5% p.a. overnight.<br><\/li>\n\n\n\n<li><strong>Round\u2011Up Apps:<\/strong> Every UPI or card transaction rounds to the next \u20b910, transferring spare change to savings.<br><\/li>\n\n\n\n<li><strong>Standing Instructions:<\/strong> Schedule SIPs of \u20b9500\u2013\u20b91,000\/month in an equity index fund.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4.2. Why It Works<\/strong><\/h3>\n\n\n\n<p>Even \u20b91,000\/month at a 12% equity return grows to over \u20b92.5\u202flakh in 10 years\u2014proof that small, consistent steps compound remarkably.<\/p>\n\n\n\n<p><strong>Action:<\/strong> Set up one automated transfer today\u2014for your emergency fund or SIP. Celebrate \u201cout of sight, out of mind\u201d savings.<\/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. Cut Costs, Not Quality of Life: Frugal Hacks That Work<\/strong><\/h2>\n\n\n\n<p>Living frugally doesn\u2019t mean deprivation; it\u2019s strategic saving.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.1. Groceries &amp; Cooking<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bulk Purchases:<\/strong> Staples like rice and pulses cost up to 15% less in larger packs.<br><\/li>\n\n\n\n<li><strong>Meal Prep:<\/strong> Plan 2\u20133 meals from similar ingredients to reduce waste and impulse orders.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.2. Utilities &amp; Subscriptions<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Energy Audit:<\/strong> Switch to LED bulbs, fix leaks, and unplug idle devices\u2014save up to \u20b9500\/month.<br><\/li>\n\n\n\n<li><strong>Subscription Trim:<\/strong> Review streaming\/music apps and cancel unused ones\u2014\u20b9200\u2013\u20b9300 saved monthly.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5.3. Transportation<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Carpool or Public Transit:<\/strong> Save on fuel, parking, and maintenance. Even two days off private vehicle use can cut \u20b91,000\/month.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> Pick two frugal hacks this week\u2014meal prep and subscription audit\u2014and track your monthly savings.<\/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. Boost Income with Side Hustles: Every Rupee Helps<\/strong><\/h2>\n\n\n\n<p>On a tight budget, extra income supercharges savings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1. High\u2011Demand Side Gigs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online Tutoring:<\/strong> Platforms like Vedantu or Tutor.com pay \u20b9300\u2013\u20b9500\/hour for tutoring school or entrance exam subjects.<br><\/li>\n\n\n\n<li><strong>Content Writing &amp; Microtasks:<\/strong> Websites like Upwork or Amazon MTurk let you earn \u20b95,000\u2013\u20b910,000\/month in spare time.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2. Weekend &amp; Micro\u2011Entrepreneurship<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tiffin Service:<\/strong> Home\u2011cooked meals delivered locally can fetch \u20b9200\u2013\u20b9300\/day.<br><\/li>\n\n\n\n<li><strong>Handicrafts &amp; Reselling:<\/strong> Sell homemade goods on WhatsApp or Instagram; use local Facebook Marketplace for second\u2011hand item sales.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> Identify one skill you can monetize\u2014tutoring, writing, craft\u2014and dedicate 4\u20136 hours per week. Plow earnings into your emergency fund or SIP.<\/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. Invest Wisely: Grow What You Save<\/strong><\/h2>\n\n\n\n<p>Once your emergency fund is secure and side\u2011income begins, channel surplus into growth assets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.1. Start Small with SIPs<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Large\u2011Cap Index Funds:<\/strong> Nifty 50 index funds deliver ~12% CAGR historically.<br><\/li>\n\n\n\n<li><strong>Balanced Funds:<\/strong> For less volatility, choose funds with a 60\/40 equity\/debt mix.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.2. Explore High\u2011Yield Alternatives<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recurring Deposits &amp; RDs:<\/strong> 6.5% p.a. is a safe bet for short\u2011term goals.<br><\/li>\n\n\n\n<li><strong>Public Provident Fund (PPF):<\/strong> Guaranteed 7.1% tax\u2011free through June\u202f2025.<br><\/li>\n\n\n\n<li><strong>Peers &amp; Crowdfunding:<\/strong> If you have risk appetite, P2P lending offers 10\u201315% returns\u2014research platform safeguards before investing.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.3. Tax Efficiency<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>ELSS Funds:<\/strong> Use up to \u20b91.5\u202flakh under Section\u202f80C for mutual fund SIPs, locking in taxes and equity exposure.<br><\/li>\n\n\n\n<li><strong>NPS:<\/strong> Additional \u20b950,000 deduction under Section\u202f80CCD(1B).<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Action:<\/strong> Open a mutual fund account and start a \u20b9500 SIP this month. Track NAV annually and top up contributions as you earn more.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Putting It All Together: A 6\u2011Month Starter Plan<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Month<\/strong><\/td><td><strong>Focus Area<\/strong><\/td><td><strong>Action Items<\/strong><\/td><\/tr><tr><td>1<\/td><td>Expense Audit<\/td><td>Track all expenses; install budgeting app; categorize spending.<\/td><\/tr><tr><td>2<\/td><td>Budget &amp; Mini\u2011Buffer<\/td><td>Set 50\u201130\u201120 budget; automate \u20b9500\/week to liquid fund; trim two subscriptions.<\/td><\/tr><tr><td>3<\/td><td>Automate Savings &amp; Cuts<\/td><td>Enable auto\u2011sweep; start \u20b9500 SIP; implement two frugal hacks (meal prep, carpool).<\/td><\/tr><tr><td>4<\/td><td>Emergency Fund &amp; Side Income<\/td><td>Build \u20b95,000 buffer; launch side\u2011gig; allocate all extra earnings to buffer.<\/td><\/tr><tr><td>5<\/td><td>Grow Emergency Fund &amp; PPF<\/td><td>Increase fund to \u20b915,000; start \u20b9500\/month PPF; review budget for more cuts.<\/td><\/tr><tr><td>6<\/td><td>Investing &amp; Tax Planning<\/td><td>Ramp SIP to \u20b91,000; invest in ELSS for tax deduction; review and adjust setup.<\/td><\/tr><\/tbody><\/table><\/figure>\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>Mastering money on a tight budget is entirely achievable with the right habits and tools. By tracking every expense, implementing a zero\u2011based budget, building an emergency fund, automating savings, cutting costs strategically, boosting income with side hustles, and investing wisely\u2014even small amounts\u2014you lay a strong financial foundation. Remember: consistency beats intensity. Start small today, follow these seven key steps, and watch your savings and confidence grow\u2014proving that even on a constrained income, you can achieve financial security and freedom.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Living on a tight budget can feel like walking a financial tightrope\u2014every rupee counts, and unexpected expenses can throw you off balance. Yet many Indians manage to grow their savings, invest wisely, and even build wealth, all while earning less than \u20b925,000 per month . With inflation hovering around 2.59% nationally (and spiking over 5% in some regions), and savings account rates as low as 2.5\u20132.75%, today\u2019s budget\u2011minded earners must be smarter than ever. This guide lays out seven practical steps\u2014grounded in the latest market data, expert insights, and real\u2011world strategies\u2014to help you master your money, even when every rupee is hard\u2011earned. By the end, you\u2019ll have a clear, actionable roadmap to track expenses, cut waste, build a safety net, automate savings, and invest for the long haul, all without sacrificing your well\u2011being. 1. Track Every Rupee: Your Financial GPS You can\u2019t improve what you don\u2019t measure. Begin by auditing your spending: 1.1. Why Tracking Matters 1.2. Tools to Use Action: For one month, record every expense\u2014\u20b95 tea, \u20b920 bus fare, \u20b9300 grocery run. Review at month\u2019s end to see where your money really goes. 2. Build a Zero\u2011Based Budget: Assign Purpose to Every Rupee Zero\u2011based budgeting means giving every rupee a job: bills, debt, savings, or spending. 2.1. The 50\u201130\u201120 Rule for Tight Budgets If your take\u2011home is \u20b920,000, that\u2019s \u20b910,000 for needs, \u20b96,000 for wants, and \u20b94,000 for savings\/debt. Adjust percentages if necessary, but always allocate something to savings. 2.2. Monthly Budget Template Category % of Income \u20b9 Amount (\u20b920,000) Needs (Rent, Food, Bills) 50% 10,000 Wants (Dining, Entertainment) 30% 6,000 Savings\/Debt 20% 4,000 Total 100% 20,000 Tip: If needs exceed 50%, trim wants first. If wants are minimal, boost savings above 20%. 3. Create a Mini Emergency Fund: Your Financial First Aid Kit Without a safety net, even small emergencies can derail your progress. 3.1. Three\u2011Phase Approach 3.2. Best Parking Spots Action: Automate \u20b9500\/week to your chosen fund. In 2 months, you\u2019ll have your Phase\u202f1 buffer without feeling the pinch. 4. Automate Your Savings: \u201cSet and Forget\u201d for Success Automation kills procrastination and temptation. 4.1. Tools &amp; Techniques 4.2. Why It Works Even \u20b91,000\/month at a 12% equity return grows to over \u20b92.5\u202flakh in 10 years\u2014proof that small, consistent steps compound remarkably. Action: Set up one automated transfer today\u2014for your emergency fund or SIP. Celebrate \u201cout of sight, out of mind\u201d savings. 5. Cut Costs, Not Quality of Life: Frugal Hacks That Work Living frugally doesn\u2019t mean deprivation; it\u2019s strategic saving. 5.1. Groceries &amp; Cooking 5.2. Utilities &amp; Subscriptions 5.3. Transportation Action: Pick two frugal hacks this week\u2014meal prep and subscription audit\u2014and track your monthly savings. 6. Boost Income with Side Hustles: Every Rupee Helps On a tight budget, extra income supercharges savings. 6.1. High\u2011Demand Side Gigs 6.2. Weekend &amp; Micro\u2011Entrepreneurship Action: Identify one skill you can monetize\u2014tutoring, writing, craft\u2014and dedicate 4\u20136 hours per week. Plow earnings into your emergency fund or SIP. 7. Invest Wisely: Grow What You Save Once your emergency fund is secure and side\u2011income begins, channel surplus into growth assets. 7.1. Start Small with SIPs 7.2. Explore High\u2011Yield Alternatives 7.3. Tax Efficiency Action: Open a mutual fund account and start a \u20b9500 SIP this month. Track NAV annually and top up contributions as you earn more. Putting It All Together: A 6\u2011Month Starter Plan Month Focus Area Action Items 1 Expense Audit Track all expenses; install budgeting app; categorize spending. 2 Budget &amp; Mini\u2011Buffer Set 50\u201130\u201120 budget; automate \u20b9500\/week to liquid fund; trim two subscriptions. 3 Automate Savings &amp; Cuts Enable auto\u2011sweep; start \u20b9500 SIP; implement two frugal hacks (meal prep, carpool). 4 Emergency Fund &amp; Side Income Build \u20b95,000 buffer; launch side\u2011gig; allocate all extra earnings to buffer. 5 Grow Emergency Fund &amp; PPF Increase fund to \u20b915,000; start \u20b9500\/month PPF; review budget for more cuts. 6 Investing &amp; Tax Planning Ramp SIP to \u20b91,000; invest in ELSS for tax deduction; review and adjust setup. Conclusion Mastering money on a tight budget is entirely achievable with the right habits and tools. By tracking every expense, implementing a zero\u2011based budget, building an emergency fund, automating savings, cutting costs strategically, boosting income with side hustles, and investing wisely\u2014even small amounts\u2014you lay a strong financial foundation. Remember: consistency beats intensity. Start small today, follow these seven key steps, and watch your savings and confidence grow\u2014proving that even on a constrained income, you can achieve financial security and freedom. 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