{"id":278454,"date":"2025-10-22T22:27:31","date_gmt":"2025-10-22T16:57:31","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=278454"},"modified":"2025-10-29T23:14:44","modified_gmt":"2025-10-29T17:44:44","slug":"spending-caps-for-subscriptions-rules-that-stick","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/spending-caps-for-subscriptions-rules-that-stick\/","title":{"rendered":"Spending Caps for Subscriptions: Rules That Stick"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#why-subscriptions-spiral-out-of-control\">Why Subscriptions Spiral Out of Control?<\/a><ul><\/ul><\/li><li><a href=\"#the-case-for-spending-caps\">The Case for Spending Caps<\/a><ul><\/ul><\/li><li><a href=\"#rules-that-stick-setting-your-subscription-spending-cap\">Rules That Stick: Setting Your Subscription Spending Cap<\/a><ul><\/ul><\/li><li><a href=\"#how-to-track-and-enforce-subscription-caps\">How to Track and Enforce Subscription Caps<\/a><ul><\/ul><\/li><li><a href=\"#real-life-applications-of-subscription-caps\">Real-Life Applications of Subscription Caps<\/a><ul><\/ul><\/li><li><a href=\"#benefits-of-subscription-spending-caps\">Benefits of Subscription Spending Caps<\/a><ul><\/ul><\/li><li><a href=\"#common-mistakes-to-avoid\">Common Mistakes to Avoid<\/a><ul><\/ul><\/li><li><a href=\"#fa-qs-on-subscription-spending-caps\">FAQs on Subscription Spending Caps<\/a><ul><\/ul><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p>Subscriptions are the silent budget-busters of modern life. They feel small \u2014 $9.99 for streaming here, $5.99 for music there, $12.99 for cloud storage \u2014 but when you add them up across months and years, the costs balloon. For many households, subscriptions now rival utility bills in size, even though most of us don\u2019t actively think about them as \u201cbig\u201d expenses.<\/p>\n\n\n\n<p>The challenge is that subscriptions are designed to be frictionless. They renew automatically, often in the background, and marketers know you\u2019ll hesitate to cancel if it feels inconvenient. That\u2019s why people regularly pay for services they barely use \u2014 whether it\u2019s forgotten fitness apps, overlapping streaming platforms, or software that no longer fits their needs. Without a system, subscriptions spiral out of control.<\/p>\n\n\n\n<p>That\u2019s where spending caps come in. Just like you\u2019d <a href=\"https:\/\/trybeem.com\/budget-gpt\" target=\"_blank\" rel=\"noreferrer noopener\">set a budget for groceries or entertainment<\/a>, capping your subscription spending creates boundaries that keep you in control. But it\u2019s not enough to simply decide on a number. The real key is building rules that stick \u2014 habits and systems that make it easy to stay within your limits while still enjoying the services you love.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-subscriptions-spiral-out-of-control\">Why Subscriptions Spiral Out of Control?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-its-just-a-few-dollars-trap\">The \u201cIt\u2019s Just a Few Dollars\u201d Trap<\/h3>\n\n\n\n<p>Individually, most subscriptions look harmless. It\u2019s easy to rationalize, <em>\u201cIt\u2019s just $5 a month, less than a cup of coffee.\u201d<\/em>However, this reasoning is flawed because it overlooks accumulation. Five or six of these \u201cjust a few dollars\u201d subscriptions can quickly add up to $50\u2013$100 monthly \u2014 a significant amount when multiplied across a year.<\/p>\n\n\n\n<p>The psychology here is important. Our brains are more sensitive to big one-time expenses than to recurring small ones. That\u2019s why a $500 purchase feels heavy, but a $20 monthly subscription \u2014 which adds up to $240 annually \u2014 feels trivial. Businesses rely on this mental blind spot to lock customers into ongoing payments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"subscription-creep-over-time\">Subscription Creep Over Time<\/h3>\n\n\n\n<p>Another problem is subscription creep \u2014 the gradual buildup of new services without trimming old ones. You add a new streaming service to watch a trending show, subscribe to a fitness app after a New Year\u2019s resolution, or sign up for a productivity tool for work. Months later, you\u2019re still paying for them, even though your usage has dwindled.<\/p>\n\n\n\n<p>Most people underestimate how many subscriptions they actually have. Studies show the average consumer thinks they\u2019re paying for four to five subscriptions, but in reality, the number is closer to 10 or more. Without regular check-ins, old charges stay buried while new ones quietly pile on.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"lack-of-awareness-and-tracking\">Lack of Awareness and Tracking<\/h3>\n\n\n\n<p>The final piece of the puzzle is awareness. Because subscriptions run automatically, you don\u2019t always notice when money leaves your account. Unlike grocery shopping, where you see the bill every week, subscription charges slip through unnoticed.<\/p>\n\n\n\n<p>This is why people are often shocked when they finally tally their recurring payments. That $100\u2013$200 monthly spend could easily fund other financial goals, from building an emergency fund to covering travel costs. Without visibility, subscriptions consume resources without giving proportional happiness or value.<\/p>\n\n\n\n<p>If keeping your subscriptions under control feels like a challenge, Beem\u2019s AI-powered tools can help you track and cap spending effortlessly \u2014 explore them on the <a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Purchase Smarter (AI)<\/a> page.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-case-for-spending-caps\">The Case for Spending Caps<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"turning-a-fixed-cost-into-a-managed-expense\">Turning a Fixed Cost Into a Managed Expense<\/h3>\n\n\n\n<p>Subscriptions often feel like fixed costs, similar to rent or utilities, because they recur automatically. But unlike essentials, subscriptions are largely discretionary. A spending cap transforms them from \u201cset in stone\u201d to \u201cactively managed.\u201d It gives you permission to enjoy subscriptions \u2014 but only within healthy boundaries.<\/p>\n\n\n\n<p>By shifting your mindset this way, subscriptions stop being passive drains on your money and become intentional choices. You decide how much to spend overall, then allocate that amount toward the services you truly value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"aligning-subscriptions-with-priorities\">Aligning Subscriptions With Priorities<\/h3>\n\n\n\n<p>Spending caps also act as filters. When you set a firm limit, you\u2019re forced to prioritize. Instead of paying for ten services you barely use, you focus on the three to five that truly enrich your life. This naturally cuts waste while aligning your money with your values.<\/p>\n\n\n\n<p>For example, if entertainment is your priority, you might keep streaming services but cut niche apps you rarely open. If health is more important, you may allocate more toward fitness or wellness subscriptions. The point is to choose intentionally rather than letting services accumulate by default.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"preventing-financial-leaks\">Preventing Financial Leaks<\/h3>\n\n\n\n<p>Finally, caps help prevent what\u2019s known as \u201cfinancial leakage.\u201d These are small, unnoticed expenses that slowly erode your financial health. Subscriptions are prime culprits because they\u2019re invisible once set up. By putting a hard ceiling on what you\u2019ll spend, you eliminate leaks before they happen.<\/p>\n\n\n\n<p>This doesn\u2019t just save money; it also builds confidence. Knowing you\u2019re on top of recurring charges creates peace of mind, freeing up mental space to focus on bigger financial goals.<\/p>\n\n\n\n<p>Before another renewal slips through, try <a href=\"https:\/\/trybeem.com\/budget-gpt\" target=\"_blank\" rel=\"noreferrer noopener\">Beem\u2019s AI tools designed<\/a> to spot recurring expenses and suggest smarter spending caps.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rules-that-stick-setting-your-subscription-spending-cap\">Rules That Stick: Setting Your Subscription Spending Cap<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rule-1-set-a-percentage-of-income\">Rule 1 \u2013 Set a Percentage of Income<\/h3>\n\n\n\n<p>One of the simplest ways to cap subscriptions is to tie them to your income. For instance, you might decide no more than 5% of your monthly earnings can go to subscriptions. This keeps your costs proportional to your financial reality, whether you\u2019re a student, a freelancer, or a family of four.<\/p>\n\n\n\n<p>The beauty of this rule is scalability. If your income grows, you have more room for subscriptions without overextending yourself. If money gets tight, your cap shrinks automatically, signaling it\u2019s time to cut back. It\u2019s flexible but keeps you grounded.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rule-2-prioritize-the-top-three\">Rule 2 \u2013 Prioritize the \u201cTop Three\u201d<\/h3>\n\n\n\n<p>Another effective approach is the Top Three Rule. Choose the three subscriptions you can\u2019t live without and cut the rest. This forces you to confront which services truly matter. For many people, it\u2019s one streaming service, one productivity app, and one wellness or fitness subscription.<\/p>\n\n\n\n<p>By narrowing your list, you not only save money but also reduce decision fatigue. Instead of bouncing between six different platforms, you streamline your time and attention to the services that bring the most joy or utility.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rule-3-use-the-one-in-one-out-method\">Rule 3 \u2013 Use the \u201cOne In, One Out\u201d Method<\/h3>\n\n\n\n<p>The One In, One Out Rule is great for preventing subscription creep. Every time you add a new service, you must cancel an old one. Want to try a new streaming platform? Pause another. Interested in a new app? Cancel the one you haven\u2019t opened in months.<\/p>\n\n\n\n<p>This rule creates balance and keeps your total number of subscriptions stable. It also encourages you to think critically before signing up. If you\u2019re not willing to drop an existing service, the new one might not be worth it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rule-4-cap-by-category\">Rule 4 \u2013 Cap By Category<\/h3>\n\n\n\n<p>Another smart method is to divide subscriptions into categories and set mini-caps for each. For example, you might allocate $30\/month for entertainment, $20\/month for productivity, and $15\/month for wellness. This way, you\u2019re not overspending in one area while neglecting others.<\/p>\n\n\n\n<p>Category caps are especially useful for households with multiple members. Each person can have a small budget for their own preferences, while the family collectively stays under the total cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"rule-5-quarterly-review-and-reset\">Rule 5 \u2013 Quarterly Review and Reset<\/h3>\n\n\n\n<p>Finally, the Quarterly Review Rule ensures your caps stay relevant. <a href=\"https:\/\/trybeem.com\/blog\/save-money-on-monthly-subscriptions-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">Review your subscriptions<\/a> every three months: Are you still using them? Are they worth the cost? Have new priorities emerged?<\/p>\n\n\n\n<p>This routine check prevents forgotten services from slipping through the cracks. It also permits you to experiment. You might try a new app for a quarter, then drop it if it\u2019s not adding value. The review keeps your system dynamic and effective.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-track-and-enforce-subscription-caps\">How to Track and Enforce Subscription Caps<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"manual-tracking-vs-automated-tools\">Manual Tracking vs. Automated Tools<\/h3>\n\n\n\n<p>There are two primary methods for tracking subscriptions: manual tracking or automated tracking. Manual tracking involves keeping a spreadsheet where you log each service, its cost, and renewal dates. This method requires effort but gives you full control and awareness.<\/p>\n\n\n\n<p>Automated tools, on the other hand, do the work for you. Apps can scan your bank or card statements to identify recurring charges, alerting you to forgotten subscriptions. The trade-off is less customization but much more convenience.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"alerts-and-notifications\">Alerts and Notifications<\/h3>\n\n\n\n<p>Another enforcement method is setting alerts. For example, add calendar reminders for free trial end dates or annual renewals. This prevents surprise charges and gives you time to decide whether to keep or cancel before money leaves your account.<\/p>\n\n\n\n<p>Notifications also help with budgeting. If you receive an alert when your monthly subscription cap is nearing its limit, you can adjust your spending before exceeding it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"using-beems-budget-planner\">Using Beem\u2019s Budget Planner<\/h3>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/purchase-with-friends\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a> makes subscription tracking easier by allowing you to create a dedicated category specifically for recurring expenses. You can set monthly caps, track spending in real time, and even create \u201cpause points\u201d for subscriptions you\u2019re not using.<\/p>\n\n\n\n<p>This proactive approach keeps you accountable without requiring constant effort. Instead of trying to remember every renewal date, you rely on a tool designed to make budgeting smooth and stress-free.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"real-life-applications-of-subscription-caps\">Real-Life Applications of Subscription Caps<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"household-example-family-of-four\">Household Example \u2013 Family of Four<\/h3>\n\n\n\n<p>For a family, subscriptions can easily balloon \u2014 multiple streaming platforms, kids\u2019 activity apps, cloud storage, and software for work or school. By setting a $100 monthly cap, a family of four might choose two streaming services, one fitness platform, and shared cloud storage. Everything else gets cut.<\/p>\n\n\n\n<p>This approach ensures everyone gets access to essentials without overspending. It also creates fairness: each family member has a say in what subscriptions are kept within the cap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"young-professional-example\">Young Professional Example<\/h3>\n\n\n\n<p>For a young professional, the temptation is often productivity apps, streaming services, and fitness platforms. Setting a $50 monthly cap might mean choosing Spotify, <a href=\"https:\/\/trybeem.com\/blog\/from-netflix-to-beem-the-rise-of-shared-subscriptions\/\" target=\"_blank\" rel=\"noreferrer noopener\">Netflix<\/a>, and one premium work app \u2014 while cutting unused subscriptions or downgrading others to free tiers.<\/p>\n\n\n\n<p>This keeps costs manageable while still supporting lifestyle needs. It also encourages intentional choices, like prioritizing LinkedIn Premium for career growth over an unused workout app.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"student-example\">Student Example<\/h3>\n\n\n\n<p>Students often have discounted access to subscriptions, but even small charges can pile up. By capping subscriptions at $25\u2013$30\/month, a student might share streaming services with roommates, keep one learning app, and add a wellness subscription for balance.<\/p>\n\n\n\n<p>This demonstrates that caps don\u2019t have to be restrictive. They ensure affordability while still giving students access to tools and entertainment that support their lifestyle.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits-of-subscription-spending-caps\">Benefits of Subscription Spending Caps<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"immediate-savings-without-sacrifice\">Immediate Savings Without Sacrifice<\/h3>\n\n\n\n<p>One of the biggest benefits of caps is that they free up money without forcing you to give up what matters most. Cutting unused or <a href=\"https:\/\/trybeem.com\/blog\/save-money-on-monthly-subscriptions-2025\/\" target=\"_blank\" rel=\"noreferrer noopener\">low-value subscriptions<\/a> often feels painless \u2014 like trimming fat from a budget. Those savings can then be allocated toward larger goals, such as travel, savings, or debt repayment.<\/p>\n\n\n\n<p>Even small savings add up. Cancelling $30 worth of unused subscriptions equals $360 a year \u2014 enough to cover holiday gifts or a short weekend trip.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"greater-awareness-and-control\">Greater Awareness and Control<\/h3>\n\n\n\n<p>Caps make your subscription spending visible. Instead of letting charges slip by unnoticed, you actively monitor and decide where your money goes. This awareness builds financial confidence and helps reduce anxiety about \u201cmystery\u201d charges.<\/p>\n\n\n\n<p>The psychological benefit is just as important as the financial one. Knowing you\u2019re in control of recurring expenses gives you a sense of mastery over your money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"flexibility-to-adjust-as-priorities-shift\">Flexibility to Adjust as Priorities Shift<\/h3>\n\n\n\n<p>Finally, caps are flexible. Unlike strict budgets, they can grow or shrink depending on your life stage. You might allocate more to subscriptions during busy seasons, then cut back when you\u2019re saving for a major purchase.<\/p>\n\n\n\n<p>This adaptability makes caps sustainable. They\u2019re not about restriction, but about aligning spending with what brings you the most value at any given time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"common-mistakes-to-avoid\">Common Mistakes to Avoid<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"setting-unrealistic-caps\">Setting Unrealistic Caps<\/h3>\n\n\n\n<p>A common mistake is setting caps too low. If you only allow $20\/month but currently spend $80, the drastic cut may feel unsustainable. The frustration can cause you to give up altogether. Start with a realistic target, then adjust gradually as you cut back.<\/p>\n\n\n\n<p>On the flip side, setting a cap that\u2019s too high defeats the purpose. If your cap is close to what you\u2019re already spending, you won\u2019t feel the benefits. Aim for a sweet spot that stretches you without overwhelming you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"forgetting-annual-subscriptions\">Forgetting Annual Subscriptions<\/h3>\n\n\n\n<p>Annual renewals can bust your monthly cap if you\u2019re not prepared. A $120 yearly service looks small when billed monthly but hits hard as a lump sum. If you use annual billing, ensure that you account for it in your cap by dividing the yearly cost into monthly equivalents.<\/p>\n\n\n\n<p>Keeping a calendar of renewal dates also helps. This way, you can reassess whether the service is worth continuing before being charged.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"ignoring-shared-accounts\">Ignoring Shared Accounts<\/h3>\n\n\n\n<p>Many people overlook the power of sharing. Streaming services, cloud storage, and some software allow family or roommate plans. Ignoring this option means paying more than you need to.<\/p>\n\n\n\n<p>Shared accounts stretch your cap further and ensure everyone gets value. Please ensure you follow the service\u2019s terms and conditions to avoid any issues.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs-on-subscription-spending-caps\">FAQs on Subscription Spending Caps<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1760934000068\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How much should I spend on subscriptions each month?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It depends on your income and lifestyle, but many experts suggest capping subscriptions at 5\u201310% of monthly income. For most people, this translates to $50\u2013$150. The key is to set a number that feels sustainable without cutting into essential expenses.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1760934018373\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What\u2019s the easiest way to track all my subscriptions?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You can use a spreadsheet to log each service and cost, but automated tools like Beem make it easier. Beem\u2019s Budget Planner lets you see all recurring charges in one place and set caps so you don\u2019t have to track manually.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1760934031986\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Should I cancel services I only use occasionally?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not necessarily. If the service brings you joy or utility, it may still be worth keeping. However, occasional-use services should be rotated. Pause or cancel when not in use, and reactivate when needed. This keeps your cap under control.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1760934059107\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I stick to my cap when new subscriptions launch?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Use the One In, One Out Rule. Before adding something new, cancel an existing subscription of equal or greater value. This prevents your total from creeping upward and forces you to prioritize.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1760934081870\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can Beem help me enforce subscription rules?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Beem\u2019s Budget Planner is designed for exactly this. You can set a monthly cap for subscriptions, track progress in real-time, and get insights into which services provide the most value. By turning caps into visual, trackable goals, Beem makes it much easier to stick with your rules.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Subscriptions are convenient, but they can also be sneaky budget traps. Left unchecked, they quietly pile up, eating into your financial goals. The answer isn\u2019t to cancel everything \u2014 it\u2019s to set spending caps that stick, helping you enjoy the best services without waste.<\/p>\n\n\n\n<p>Whether you cap by income percentage, prioritize your top three, or use the one-in-one-out method, the key is consistency. With <a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem\u2019s AI-powered Budget Planner<\/a>, you can track every subscription automatically, set personalized spending caps, and get smart alerts before costs spiral. Beem\u2019s tools make it easy to stay in control \u2014 while still enjoying the convenience you love.<\/p>\n\n\n\n<p>In the end, subscription caps are about more than saving money. They\u2019re about reclaiming control, making intentional choices, and ensuring your recurring expenses actually serve your life.<\/p>\n\n\n\n<p>Take charge of your subscriptions \u2014 and your peace of mind. <a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">Download the Beem app<\/a> today to track smarter, spend wiser, and stay effortlessly on budget.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Subscriptions are the silent budget-busters of modern life. They feel small \u2014 $9.99 for streaming here, $5.99 for music there, $12.99 for cloud storage \u2014 but when you add them up across months and years, the costs balloon. For many households, subscriptions now rival utility bills in size, even though most of us don\u2019t actively [&hellip;]<\/p>\n","protected":false},"author":43,"featured_media":271454,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2308],"tags":[4790,107,168,191,216,295],"edited-by":[],"class_list":["post-278454","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spend","tag-beem","tag-financial-planning","tag-money-matters","tag-personal-finance","tag-save-money","tag-spend"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/278454","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/43"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=278454"}],"version-history":[{"count":6,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/278454\/revisions"}],"predecessor-version":[{"id":280829,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/278454\/revisions\/280829"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/271454"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=278454"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=278454"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=278454"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=278454"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}