{"id":1318,"date":"2025-06-30T08:24:52","date_gmt":"2025-06-30T08:24:52","guid":{"rendered":"https:\/\/thepumumedia.com\/blogs\/?p=1318"},"modified":"2025-06-23T13:42:07","modified_gmt":"2025-06-23T13:42:07","slug":"budgeting-for-beginners-the-envelope-vs-zero%e2%80%91based-method","status":"publish","type":"post","link":"https:\/\/thepumumedia.com\/blogs\/budgeting-for-beginners-the-envelope-vs-zero%e2%80%91based-method\/","title":{"rendered":"Budgeting for Beginners: The Envelope vs Zero\u2011Based Method"},"content":{"rendered":"\n<p>Managing your money well starts with a solid budget. If you\u2019re new to budgeting, two popular methods to consider are the <strong>Envelope Method<\/strong> and <strong>Zero\u2011Based Budgeting (ZBB)<\/strong>. Both give every rupee a purpose, but they work in different ways. In this guide, we\u2019ll cover what each method is, how to set it up step by step, their pros and cons, modern digital tools that make them easier, and tips for choosing the one that fits your style. By the end, you\u2019ll have everything you need to take control of your finances.<\/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. Understanding the Envelope Method<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.1 What Is the Envelope Method?<\/strong><\/h3>\n\n\n\n<p>The Envelope Method is a cash\u2011based budgeting system where you allocate physical cash into labeled envelopes for each spending category\u2014think groceries, dining out, entertainment, and so on. Once the cash in an envelope is gone, you can\u2019t spend more in that category until the next budgeting period.<\/p>\n\n\n\n<p>Originally popularized in the pre\u2011digital age, it\u2019s experiencing a resurgence\u2014nicknamed \u201ccash stuffing\u201d\u2014particularly among younger savers craving a tangible way to curb impulse buys.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.2 Why It Works for Beginners<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tangible Limits<\/strong>: Physically seeing your cash shrink creates \u201cspending pain,\u201d making you more mindful of purchases.<br><\/li>\n\n\n\n<li><strong>Simple to Start<\/strong>: All you need are envelopes and your monthly income\u2014no spreadsheets required.<br><\/li>\n\n\n\n<li><strong>Visual Accountability<\/strong>: Each envelope\u2019s label and balance remind you what you can and can\u2019t afford.<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>2. Understanding Zero\u2011Based Budgeting<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.1 What Is Zero\u2011Based Budgeting?<\/strong><\/h3>\n\n\n\n<p>Zero\u2011Based Budgeting (ZBB) assigns every rupee of your income to a specific expense, savings goal, or debt payment, so that your total income minus total allocations equals zero by month\u2019s end. Unlike the Envelope Method, ZBB covers <strong>every<\/strong> financial detail\u2014including fixed bills, sinking funds, and investments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2.2 Why It Works for Beginners<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Complete Control<\/strong>: You decide exactly where each rupee goes\u2014no money left unassigned.<br><\/li>\n\n\n\n<li><strong>Holistic View<\/strong>: Fixed and variable expenses, savings, and debt all live in one plan.<br><\/li>\n\n\n\n<li><strong>Flexible Categories<\/strong>: You can adjust categories monthly to match changing priorities.<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>3. Side\u2011by\u2011Side Comparison<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Envelope Method<\/strong><\/td><td><strong>Zero\u2011Based Budgeting<\/strong><\/td><\/tr><tr><td><strong>Cash vs. Digital<\/strong><\/td><td>Physical cash in envelopes<\/td><td>Digital record of income and expenses<\/td><\/tr><tr><td><strong>Coverage<\/strong><\/td><td>Mostly variable spending categories<\/td><td>All income: fixed bills, savings, debt, and spending<\/td><\/tr><tr><td><strong>Setup Complexity<\/strong><\/td><td>Very simple<\/td><td>Medium: requires tracking and adjusting categories<\/td><\/tr><tr><td><strong>Monthly Reset<\/strong><\/td><td>Yes\u2014envelopes refill each period<\/td><td>Yes\u2014every rupee reallocated each month<\/td><\/tr><tr><td><strong>Overspend Handling<\/strong><\/td><td>Envelope empty = no more spending<\/td><td>You must reassign funds from other categories<\/td><\/tr><tr><td><strong>Best for<\/strong><\/td><td>Visual learners, impulse\u2011spenders<\/td><td>Detailed planners, full\u2011picture budgeters<\/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>4. Setting Up the Envelope Method: Step\u2011by\u2011Step<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>List Your Variable Expenses<\/strong><strong><br><\/strong> Identify categories you can control: groceries, dining out, entertainment, fuel, personal care, etc.<br><\/li>\n\n\n\n<li><strong>Determine Cash Amounts<\/strong><strong><br><\/strong> Look at past spending and assign a realistic cash amount to each envelope.<br><em>Example:<\/em> If you spend ~\u20b912,000 monthly on groceries, put \u20b912,000 in the \u201cGroceries\u201d envelope.<br><\/li>\n\n\n\n<li><strong>Fill Your Envelopes<\/strong><strong><br><\/strong> Withdraw the total budgeted cash from your bank account at the start of your period (e.g., month) and distribute it into labeled envelopes.<br><\/li>\n\n\n\n<li><strong>Spend Only What\u2019s in the Envelope<\/strong><strong><br><\/strong> When you pay, use cash from the corresponding envelope. Once it\u2019s empty, pause spending in that category.<br><\/li>\n\n\n\n<li><strong>Review &amp; Adjust<\/strong><strong><br><\/strong> At period end, note which envelopes ran out too quickly or had leftover cash. Adjust next month\u2019s amounts accordingly.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. Setting Up Zero\u2011Based Budgeting: Step\u2011by\u2011Step<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Calculate Your Income<\/strong><strong><br><\/strong> Sum up all expected take\u2011home pay and other income for the month.<br><\/li>\n\n\n\n<li><strong>List All Expenses &amp; Goals<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li><em>Fixed Costs:<\/em> Rent, utilities, insurance, subscriptions<br><\/li>\n\n\n\n<li><em>Savings &amp; Debt:<\/em> Emergency fund, retirement, loan payments<br><\/li>\n\n\n\n<li><em>Variable Spending:<\/em> Groceries, dining, fuel, fun money<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Assign Every Rupee a Job<\/strong><strong><br><\/strong> Allocate your total income across these categories so the ending balance is zero.<br><em>Example:<\/em> \u20b950,000 income \u2212 (\u20b915,000 rent + \u20b95,000 utilities + \u2026 + \u20b95,000 savings) = \u20b90.<br><\/li>\n\n\n\n<li><strong>Track &amp; Update<\/strong><strong><br><\/strong> Throughout the month, record actual spending against each category. Adjust mid\u2011month if needed by shifting funds between categories.<br><\/li>\n\n\n\n<li><strong>Reset Next Month<\/strong><strong><br><\/strong> Start fresh each period, using previous months\u2019 insights to refine your allocations.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. Pros &amp; Cons<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.1 Envelope Method<\/strong><\/h3>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Simplicity:<\/strong> Easy to start with minimal tools.<br><\/li>\n\n\n\n<li><strong>Visceral Feedback:<\/strong> Physical cash increases spending awareness.<br><\/li>\n\n\n\n<li><strong>Impulse Control:<\/strong> Empty envelopes force discipline.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Inconvenient:<\/strong> Carrying cash for every purchase can be impractical.<br><\/li>\n\n\n\n<li><strong>Limited Coverage:<\/strong> Doesn\u2019t handle fixed bills or digital expenses well.<br><\/li>\n\n\n\n<li><strong>Security Risk:<\/strong> Cash can be lost or stolen.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6.2 Zero\u2011Based Budgeting<\/strong><\/h3>\n\n\n\n<p><strong>Pros<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Comprehensive:<\/strong> Covers all money in one plan.<br><\/li>\n\n\n\n<li><strong>Flexibility:<\/strong> Easily adjusts to income fluctuations.<br><\/li>\n\n\n\n<li><strong>Full Accountability:<\/strong> No rupee goes untracked.<br><\/li>\n<\/ul>\n\n\n\n<p><strong>Cons<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Time\u2011Intensive:<\/strong> Requires regular tracking and updates.<br><\/li>\n\n\n\n<li><strong>Steep Learning Curve:<\/strong> Beginners may find granular categories overwhelming.<br><\/li>\n\n\n\n<li><strong>Over\u2011Analysis Risk:<\/strong> Can lead to \u201cbudget paralysis\u201d if you tweak too much.<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>7. Digital Tools to Modernize Both Methods<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.1 Envelope\u2011Style Apps<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Goodbudget<\/strong><strong><br><\/strong> Virtual envelopes synced across devices\u2014no physical cash needed.<br><\/li>\n\n\n\n<li><strong>Mvelopes<\/strong><strong><br><\/strong> Offers real\u2011time tracking, goal setting, and financial coaching features.<br><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>7.2 Zero\u2011Based Budgeting Apps<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>You Need A Budget (YNAB)<\/strong><strong><br><\/strong> Popular ZBB app with real\u2011time syncing, goal tracking, and community support.<br><\/li>\n\n\n\n<li><strong>EveryDollar<\/strong><strong><br><\/strong> Ramsey Solutions\u2019 tool designed for zero\u2011based budgets\u2014simple drag\u2011and\u2011drop allocations.<br><\/li>\n\n\n\n<li><strong>Mint<\/strong><strong><br><\/strong> Free app that auto\u2011categorizes spending and helps you assign every rupee\u2014good for beginners.<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. How to Choose the Right Method for You<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Assess Your Spending Personality<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>If you overspend because \u201cit\u2019s too easy\u201d to swipe a card, the Envelope Method\u2019s physical barrier can help.<br><\/li>\n\n\n\n<li>If you crave a full financial overview and don\u2019t mind logging transactions, ZBB is ideal.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Consider Your Lifestyle<\/strong><strong><br><\/strong>\n<ul class=\"wp-block-list\">\n<li>Cash\u2011heavy habits (e.g., small daily purchases) align well with envelopes.<br><\/li>\n\n\n\n<li>Digital wallets and online bills pair smoothly with a digital zero\u2011based plan.<br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Start Small<\/strong><strong><br><\/strong> Test one method for two months. Track your stress levels, savings growth, and ease of use. Then decide if you want to stick, switch, or blend techniques.<br><\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>9. Blending Both Methods: The Hybrid Approach<\/strong><\/h2>\n\n\n\n<p>You don\u2019t have to choose one exclusively. A hybrid plan can give you the best of both worlds:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fixed Bills &amp; Savings<\/strong> via Zero\u2011Based Budget (digital)<br><\/li>\n\n\n\n<li><strong>Discretionary Spending<\/strong> via Envelopes (physical or virtual)<br><\/li>\n<\/ul>\n\n\n\n<p>This way, you get comprehensive control over essentials while using envelopes\u2019 tangible limits for categories prone to overspending.<\/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. Common Beginner Mistakes &amp; How to Avoid Them<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Overcomplicating Categories<\/strong><strong><br><\/strong> Too many envelopes or budget lines can overwhelm. Stick to 8\u201310 core categories to start.<br><\/li>\n\n\n\n<li><strong>Ignoring Buffer Funds<\/strong><strong><br><\/strong> Always leave a small buffer (\u20b9500\u2013\u20b91,000) in your checking account to avoid overdrafts\u2014even in ZBB.<br><\/li>\n\n\n\n<li><strong>Neglecting Periodic Reviews<\/strong><strong><br><\/strong> Budgets aren\u2019t \u201cset and forget.\u201d Review monthly to refine allocations based on real spending.<br><\/li>\n\n\n\n<li><strong>Forgetting Fees<\/strong><strong><br><\/strong> Some apps charge subscriptions. Compare costs versus time saved before committing.<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>11. Real\u2011World Example<\/strong><\/h2>\n\n\n\n<p>Let\u2019s say your monthly take\u2011home pay is \u20b960,000. Here\u2019s how a hybrid budget might look:<\/p>\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>Method<\/strong><\/td><\/tr><tr><td>Rent &amp; Utilities<\/td><td>\u20b920,000<\/td><td>ZBB<\/td><\/tr><tr><td>Emergency Fund<\/td><td>\u20b95,000<\/td><td>ZBB<\/td><\/tr><tr><td>Debt Repayment<\/td><td>\u20b95,000<\/td><td>ZBB<\/td><\/tr><tr><td>Groceries<\/td><td>\u20b910,000<\/td><td>Envelope<\/td><\/tr><tr><td>Dining Out &amp; Coffee<\/td><td>\u20b93,000<\/td><td>Envelope<\/td><\/tr><tr><td>Transport &amp; Fuel<\/td><td>\u20b94,000<\/td><td>Envelope<\/td><\/tr><tr><td>Entertainment &amp; Hobbies<\/td><td>\u20b93,000<\/td><td>Envelope<\/td><\/tr><tr><td>Miscellaneous Buffer<\/td><td>\u20b92,000<\/td><td>Envelope<\/td><\/tr><tr><td><strong>Total<\/strong><\/td><td><strong>\u20b952,000<\/strong><\/td><td><\/td><\/tr><tr><td><strong>Leftover Buffer<\/strong><\/td><td><strong>\u20b98,000<\/strong><\/td><td>ZBB<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><strong>ZBB Covers:<\/strong> Essentials, savings, debt.<br><\/li>\n\n\n\n<li><strong>Envelopes Cover:<\/strong> Categories prone to impulse.<br><\/li>\n\n\n\n<li><strong>Buffer:<\/strong> Keeps you safe from overspending.<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>12. Next Steps: Launch Your Budget Today<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pick Your Method:<\/strong> Envelope, ZBB, or hybrid.<br><\/li>\n\n\n\n<li><strong>Choose Tools:<\/strong> Cash + envelopes, Goodbudget, YNAB, Mint, etc.<br><\/li>\n\n\n\n<li><strong>Set Up:<\/strong> Follow the step\u2011by\u2011step guides above.<br><\/li>\n\n\n\n<li><strong>Track &amp; Adjust:<\/strong> Review weekly, refine monthly.<br><\/li>\n<\/ol>\n\n\n\n<p>With practice, budgeting becomes second nature. Remember: the goal isn\u2019t perfection but progress. Celebrate each small win\u2014whether it\u2019s sticking to your envelope limits or zeroing out your budget at month\u2019s end.<br><\/p>\n\n\n\n<p>Source : <a href=\"http:\/\/thepumumedia.com\">thepumumedia.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Managing your money well starts with a solid budget. If you\u2019re new to budgeting, two popular methods to consider are the Envelope Method and Zero\u2011Based Budgeting (ZBB). Both give every rupee a purpose, but they work in different ways. In this guide, we\u2019ll cover what each method is, how to set it up step by step, their pros and cons, modern digital tools that make them easier, and tips for choosing the one that fits your style. By the end, you\u2019ll have everything you need to take control of your finances. 1. Understanding the Envelope Method 1.1 What Is the Envelope Method? The Envelope Method is a cash\u2011based budgeting system where you allocate physical cash into labeled envelopes for each spending category\u2014think groceries, dining out, entertainment, and so on. Once the cash in an envelope is gone, you can\u2019t spend more in that category until the next budgeting period. Originally popularized in the pre\u2011digital age, it\u2019s experiencing a resurgence\u2014nicknamed \u201ccash stuffing\u201d\u2014particularly among younger savers craving a tangible way to curb impulse buys. 1.2 Why It Works for Beginners 2. Understanding Zero\u2011Based Budgeting 2.1 What Is Zero\u2011Based Budgeting? Zero\u2011Based Budgeting (ZBB) assigns every rupee of your income to a specific expense, savings goal, or debt payment, so that your total income minus total allocations equals zero by month\u2019s end. Unlike the Envelope Method, ZBB covers every financial detail\u2014including fixed bills, sinking funds, and investments. 2.2 Why It Works for Beginners 3. Side\u2011by\u2011Side Comparison Feature Envelope Method Zero\u2011Based Budgeting Cash vs. Digital Physical cash in envelopes Digital record of income and expenses Coverage Mostly variable spending categories All income: fixed bills, savings, debt, and spending Setup Complexity Very simple Medium: requires tracking and adjusting categories Monthly Reset Yes\u2014envelopes refill each period Yes\u2014every rupee reallocated each month Overspend Handling Envelope empty = no more spending You must reassign funds from other categories Best for Visual learners, impulse\u2011spenders Detailed planners, full\u2011picture budgeters 4. Setting Up the Envelope Method: Step\u2011by\u2011Step 5. Setting Up Zero\u2011Based Budgeting: Step\u2011by\u2011Step 6. Pros &amp; Cons 6.1 Envelope Method Pros Cons 6.2 Zero\u2011Based Budgeting Pros Cons 7. Digital Tools to Modernize Both Methods 7.1 Envelope\u2011Style Apps 7.2 Zero\u2011Based Budgeting Apps 8. How to Choose the Right Method for You 9. Blending Both Methods: The Hybrid Approach You don\u2019t have to choose one exclusively. A hybrid plan can give you the best of both worlds: This way, you get comprehensive control over essentials while using envelopes\u2019 tangible limits for categories prone to overspending. 10. Common Beginner Mistakes &amp; How to Avoid Them 11. Real\u2011World Example Let\u2019s say your monthly take\u2011home pay is \u20b960,000. Here\u2019s how a hybrid budget might look: Category Allocation Method Rent &amp; Utilities \u20b920,000 ZBB Emergency Fund \u20b95,000 ZBB Debt Repayment \u20b95,000 ZBB Groceries \u20b910,000 Envelope Dining Out &amp; Coffee \u20b93,000 Envelope Transport &amp; Fuel \u20b94,000 Envelope Entertainment &amp; Hobbies \u20b93,000 Envelope Miscellaneous Buffer \u20b92,000 Envelope Total \u20b952,000 Leftover Buffer \u20b98,000 ZBB 12. Next Steps: Launch Your Budget Today With practice, budgeting becomes second nature. Remember: the goal isn\u2019t perfection but progress. Celebrate each small win\u2014whether it\u2019s sticking to your envelope limits or zeroing out your budget at month\u2019s end. 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