{"id":279785,"date":"2025-10-24T08:47:43","date_gmt":"2025-10-24T03:17:43","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=279785"},"modified":"2025-10-24T08:47:51","modified_gmt":"2025-10-24T03:17:51","slug":"top-money-mistakes-small-business-owners-make","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/top-money-mistakes-small-business-owners-make\/","title":{"rendered":"Top Money Mistakes Small Business Owners Make"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#mistake-1-mixing-personal-and-business-finances\">Mistake #1 \u2014 Mixing Personal and Business Finances<\/a><\/li><li><a href=\"#mistake-2-ignoring-cash-flow-management\">Mistake #2 \u2014 Ignoring Cash Flow Management<\/a><\/li><li><a href=\"#mistake-3-not-paying-yourself\">Mistake #3 \u2014 Not Paying Yourself<\/a><\/li><li><a href=\"#mistake-4-overspending-on-non-essentials\">Mistake #4 \u2014 Overspending on Non-Essentials<\/a><\/li><li><a href=\"#mistake-5-underpricing-products-or-services\">Mistake #5 \u2014 Underpricing Products or Services<\/a><\/li><li><a href=\"#mistake-6-poor-tax-planning\">Mistake #6 \u2014 Poor Tax Planning<\/a><\/li><li><a href=\"#mistake-7-neglecting-an-emergency-or-reserve-fund\">Mistake #7 \u2014 Neglecting an Emergency or Reserve Fund<\/a><\/li><li><a href=\"#mistake-8-taking-on-debt-without-a-repayment-plan\">Mistake #8 \u2014 Taking on Debt Without a Repayment Plan<\/a><\/li><li><a href=\"#mistake-9-ignoring-financial-data-and-reports\">Mistake #9 \u2014 Ignoring Financial Data and Reports<\/a><\/li><li><a href=\"#mistake-10-neglecting-business-insurance\">Mistake #10 \u2014 Neglecting Business Insurance<\/a><\/li><li><a href=\"#mistake-11-failing-to-budget-and-forecast\">Mistake #11 \u2014 Failing to Budget and Forecast<\/a><\/li><li><a href=\"#mistake-12-ignoring-late-payments-or-poor-receivables-management\">Mistake #12 \u2014 Ignoring Late Payments or Poor Receivables Management<\/a><\/li><li><a href=\"#mistake-13-avoiding-professional-financial-help\">Mistake #13 \u2014 Avoiding Professional Financial Help<\/a><\/li><li><a href=\"#mistake-14-not-reinvesting-in-the-business\">Mistake #14 \u2014 Not Reinvesting in the Business<\/a><\/li><li><a href=\"#mistake-15-ignoring-digital-and-ai-based-financial-tools\">Mistake #15 \u2014 Ignoring Digital and AI-Based Financial Tools<\/a><\/li><li><a href=\"#the-real-world-cost-of-these-mistakes\">The Real-World Cost of These Mistakes<\/a><ul><\/ul><\/li><li><a href=\"#how-to-build-financial-discipline-as-a-business-owner\">How to Build Financial Discipline as a Business Owner<\/a><ul><\/ul><\/li><li><a href=\"#conclusion-smart-financial-habits-build-lasting-businesses\">Conclusion \u2014 Smart Financial Habits Build Lasting Businesses<\/a><\/li><li><a href=\"#fa-qs-on-small-business-money-mistakes\">FAQs on Money Mistakes Small Business Owners Make<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>A lot of excellent business concepts do not succeed merely because there is no talent, but rather the reason is wrong financial management. Small businesses always rely on cash flow, budgeting, and strict money management as their main sources of life. Owners who make very simple financial mistakes can cause even <a href=\"https:\/\/trybeem.com\/blog\/how-small-businesses-can-survive-inflation\/\" target=\"_blank\" data-type=\"post\" data-id=\"279530\" rel=\"noreferrer noopener\">profitable businesses<\/a> to collapse. A firm may have great products, a devoted customer base, and constant sales, but one neglected financial practice can lead it to bankruptcy.<\/p>\n\n\n\n<p>The information below discusses the top money mistakes small business owners make in the U.S. make and how to avoid them before they have an impact on your profitability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-1-mixing-personal-and-business-finances\"><strong>Mistake #1 \u2014 Mixing Personal and Business Finances<\/strong><\/h2>\n\n\n\n<p>Mixing personal and business finances is the most common and damaging mistake. When personal and business transactions share the same bank account, bookkeeping becomes chaotic, tax filing complicated, and it\u2019s hard to measure true business performance.<\/p>\n\n\n\n<p>This practice also blurs liability boundaries. In an IRS audit or legal dispute, distinguishing <a href=\"https:\/\/trybeem.com\/blog\/extreme-savings-minimalism-cuts-expenses\/\" target=\"_blank\" data-type=\"post\" data-id=\"274754\" rel=\"noreferrer noopener\">personal expenses<\/a> from business expenses can be problematic. Furthermore, it can negatively affect business credit scores and loan eligibility.<\/p>\n\n\n\n<p><strong>Solution:<\/strong> Open separate bank accounts and credit cards for business use. Utilize U.S.-friendly digital accounting tools such as QuickBooks, Xero, or Wave to track income, expenses, and reimbursements clearly. Financial separation isn\u2019t just good practice\u2014it\u2019s protection for your company and personal assets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-2-ignoring-cash-flow-management\"><strong>Mistake #2 \u2014 Ignoring Cash Flow Management<\/strong><\/h2>\n\n\n\n<p>Profit doesn\u2019t equal liquidity. Many U.S. small businesses \u201clook\u201d profitable on paper but face severe cash shortages.<\/p>\n\n\n\n<p>Poor cash flow can delay vendor payments, stall production, and create unnecessary financial stress. You can be profitable annually and still run out of cash monthly.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Use cash flow forecasting tools to monitor weekly inflows and outflows. In small businesses, a <em>cash flow statement<\/em> is often more valuable than a profit-and-loss statement, as it shows whether cash from operations is sufficient to cover expenses.<\/p>\n\n\n\n<p>Establish strict receivables policies, set realistic payment terms, and maintain reserves to handle slow months. Consistent cash flow management ensures stability, even in unpredictable markets.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-3-not-paying-yourself\"><strong>Mistake #3 \u2014 Not Paying Yourself<\/strong><\/h2>\n\n\n\n<p>Many U.S. business owners skip paying themselves to \u201csave money\u201d or reinvest. While it seems noble, this habit can lead to personal financial strain and burnout.<\/p>\n\n\n\n<p>Not including your salary in business expenses also gives a distorted picture of profitability. Paying yourself fairly ensures personal sustainability and reflects the true cost of operating your company.<\/p>\n\n\n\n<p><strong>Lesson:<\/strong> Treat yourself as an employee. This helps track operating costs accurately and maintains a healthy balance between personal and <a href=\"https:\/\/trybeem.com\/blog\/beem-health-for-small-business-owners-freelancers\/\" target=\"_blank\" data-type=\"post\" data-id=\"270687\" rel=\"noreferrer noopener\">business finances<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-4-overspending-on-non-essentials\"><strong>Mistake #4 \u2014 Overspending on Non-Essentials<\/strong><\/h2>\n\n\n\n<p>Entrepreneurs often overspend to \u201clook successful.\u201d Luxury offices, expensive software, and flashy marketing campaigns can quickly drain capital before the business is profitable.<\/p>\n\n\n\n<p><strong>Example:<\/strong> Paying for premium software subscriptions or large-scale marketing campaigns without revenue validation can cripple cash flow.<\/p>\n\n\n\n<p><strong>Advice:<\/strong> Prioritize ROI. Every expense should directly contribute to growth, productivity, or efficiency. Distinguish between \u201cnice-to-have\u201d and \u201cmust-have\u201d to maintain financial stability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-5-underpricing-products-or-services\"><strong>Mistake #5 \u2014 Underpricing Products or Services<\/strong><\/h2>\n\n\n\n<p>Fear of losing customers often drives small businesses to set prices too low. However, underpricing affects cash flow, profit margins, and long-term brand value.<\/p>\n\n\n\n<p><strong>Example:<\/strong> Charging $50 for a service that costs $60 in delivery and overhead expenses creates negative cash flow. Over time, this prevents scalability and sustainability.<\/p>\n\n\n\n<p><strong>Solution:<\/strong> Price your products based on value, not solely on competitors. Conduct market research, consider perceived value, and include all hidden costs. Strategic pricing strengthens brand perception and ensures business growth.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/trybeem.com\/blog\/emergency-business-loans\/\" target=\"_blank\" data-type=\"post\" data-id=\"229229\" rel=\"noreferrer noopener\">Emergency Business Loans<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-6-poor-tax-planning\"><strong>Mistake #6 \u2014 Poor Tax Planning<\/strong><\/h2>\n\n\n\n<p>Many small business owners underestimate the importance of tax planning. Failing to set aside funds for quarterly IRS estimated taxes or missing deductions can lead to year-end crises.<\/p>\n\n\n\n<p><strong>Common overlooked deductions:<\/strong> utilities, software subscriptions, office equipment, travel, and business meals.<\/p>\n\n\n\n<p><strong>Solution:<\/strong> Work with a tax professional early. <a href=\"https:\/\/trybeem.com\/blog\/automate-contributions-to-your-high-yield-savings\/\" target=\"_blank\" data-type=\"post\" data-id=\"267812\" rel=\"noreferrer noopener\">Automate tax savings monthly<\/a> and maintain accurate expense logs. Consider structuring your business as an LLC or S-Corp to optimize deductions and reduce liability. Proactive tax planning turns compliance into a financial advantage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-7-neglecting-an-emergency-or-reserve-fund\"><strong>Mistake #7 \u2014 Neglecting an Emergency or Reserve Fund<\/strong><\/h2>\n\n\n\n<p>Business cycles fluctuate, yet many owners fail to prepare for slow months. Without a cash cushion, even minor disruptions can result in layoffs, delayed payments, or business shutdowns.<\/p>\n\n\n\n<p><strong>Recommendation:<\/strong> Maintain a reserve covering at least three to six months of operating expenses. Treat this fund as a business insurance policy. A strong reserve provides flexibility to handle seasonal variations or unexpected expenses without compromising growth.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-8-taking-on-debt-without-a-repayment-plan\"><strong>Mistake #8 \u2014 Taking on Debt Without a Repayment Plan<\/strong><\/h2>\n\n\n\n<p>Borrowing can be a powerful tool for growth\u2014but borrowing blindly is dangerous. Short-term loans, business credit cards, or advances can spiral into unmanageable debt if not strategically planned.<\/p>\n\n\n\n<p><strong>Strategy:<\/strong> Match debt type to purpose\u2014<a href=\"https:\/\/trybeem.com\/blog\/can-beem-pass-replace-short-term-lending\/\" target=\"_blank\" data-type=\"post\" data-id=\"272842\" rel=\"noreferrer noopener\">short-term loans<\/a> for inventory, long-term loans for equipment, and ensure projected revenues can cover repayment. Track timelines and interest costs carefully to avoid liquidity issues.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-9-ignoring-financial-data-and-reports\"><strong>Mistake #9 \u2014 Ignoring Financial Data and Reports<\/strong><\/h2>\n\n\n\n<p>Relying on intuition rather than data can lead to poor decision-making.<\/p>\n\n\n\n<p>Regular financial review is essential. Every business owner should track:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Profit and loss statements<br><\/li>\n\n\n\n<li>Balance sheets<br><\/li>\n\n\n\n<li>Cash flow forecasts<br><\/li>\n\n\n\n<li>Key performance indicators (KPIs) such as gross margin, burn rate, and customer acquisition cost<br><\/li>\n<\/ul>\n\n\n\n<p>Data-driven insights empower smarter decisions, prevent overspending, and highlight growth opportunities.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-10-neglecting-business-insurance\"><strong>Mistake #10 \u2014 Neglecting Business Insurance<\/strong><\/h2>\n\n\n\n<p>Insurance may seem optional, but it is crucial. Skipping coverage can result in catastrophic losses from lawsuits, property damage, or cyber incidents.<\/p>\n\n\n\n<p><strong>Commonly missed insurance types:<\/strong> general liability, professional liability, property, workers\u2019 compensation, and cyber insurance.<\/p>\n\n\n\n<p>Insurance is not an expense\u2014it\u2019s protection. One lawsuit or data breach could erase years of hard work. The cost of insurance is minimal compared to potential financial devastation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-11-failing-to-budget-and-forecast\"><strong>Mistake #11 \u2014 Failing to Budget and Forecast<\/strong><\/h2>\n\n\n\n<p>Operating without a budget is like flying blind. Many small businesses lack structured monthly plans, which leads to overspending, missed opportunities, and operational inefficiencies.<\/p>\n\n\n\n<p><strong>Solution:<\/strong> Build an annual budget and review quarterly. Allocate resources strategically, monitor variances, and track financial goals. Even small cost reductions, like trimming 5% from overheads, can significantly increase annual profit margins.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-12-ignoring-late-payments-or-poor-receivables-management\"><strong>Mistake #12 \u2014 Ignoring Late Payments or Poor Receivables Management<\/strong><\/h2>\n\n\n\n<p>Unpaid invoices can silently cripple a business. When cash is tied up in receivables, operations suffer even if revenue looks strong on paper.<\/p>\n\n\n\n<p><strong>Common mistakes:<\/strong> extending excessive credit, weak follow-up, or unclear payment terms.<\/p>\n\n\n\n<p><strong>Solution:<\/strong> Automate invoicing, enforce late fees, and offer discounts for early payment. Efficient receivables management improves liquidity and strengthens client accountability.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-13-avoiding-professional-financial-help\"><strong>Mistake #13 \u2014 Avoiding Professional Financial Help<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/essential-upskilling-for-entrepreneurs\/\" target=\"_blank\" data-type=\"post\" data-id=\"271693\" rel=\"noreferrer noopener\">Entrepreneurs<\/a> often attempt to handle everything themselves. Tax errors, mispricing, and mismanaged capital are common consequences.<\/p>\n\n\n\n<p><strong>Solution:<\/strong> Hire an accountant or financial consultant. Expert guidance saves money in the long run and supports strategic decisions, from tax planning to capital allocation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-14-not-reinvesting-in-the-business\"><strong>Mistake #14 \u2014 Not Reinvesting in the Business<\/strong><\/h2>\n\n\n\n<p>Withdrawing too much profit can stunt growth. Businesses that fail to reinvest in marketing, technology, or product development risk stagnation.<\/p>\n\n\n\n<p><strong>Best practice:<\/strong> Allocate a percentage of annual profits (e.g., 30\u201340%) back into the business to fund innovation, expansion, and operational improvements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"mistake-15-ignoring-digital-and-ai-based-financial-tools\"><strong>Mistake #15 \u2014 Ignoring Digital and AI-Based Financial Tools<\/strong><\/h2>\n\n\n\n<p>Many small businesses still rely on spreadsheets and manual tracking, which is inefficient and error-prone.<\/p>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/budgeting-for-couples-building-financial-harmony\/\" target=\"_blank\" data-type=\"post\" data-id=\"270838\" rel=\"noreferrer noopener\">Modern financial tools<\/a> offer real-time analytics, automate bookkeeping, and forecast cash flow trends. AI-driven platforms can flag risks, optimize expenses, and support smarter decision-making.<\/p>\n\n\n\n<p><strong>Tip:<\/strong> Embrace technology as an enabler, not an expense. AI and digital accounting tools streamline operations, reduce human error, and free time for strategic planning.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"the-real-world-cost-of-these-mistakes\"><strong>The Real-World Cost of These Mistakes<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"lost-profits-and-growth-opportunities\"><strong>Lost Profits and Growth Opportunities<\/strong><\/h3>\n\n\n\n<p>Every untracked dollar reduces potential reinvestment, limiting growth and innovation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"poor-creditworthiness\"><strong>Poor Creditworthiness<\/strong><\/h3>\n\n\n\n<p>Disorganized finances reduce eligibility for loans and increase borrowing costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"burnout-and-decision-fatigue\"><strong>Burnout and Decision Fatigue<\/strong><\/h3>\n\n\n\n<p>Financial uncertainty drains energy, reduces productivity, and impairs leadership.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"business-failure\"><strong>Business Failure<\/strong><\/h3>\n\n\n\n<p>Studies show that 82% of small businesses fail due to poor cash flow management\u2014a preventable problem with disciplined financial practices.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-build-financial-discipline-as-a-business-owner\"><strong>How to Build Financial Discipline as a Business Owner<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"separate-track-and-automate\"><strong>Separate, Track, and Automate<\/strong><\/h3>\n\n\n\n<p>Maintain distinct accounts for personal and business expenses. Automate recurring bills, payroll, and tax contributions to reduce human error.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"schedule-a-monthly-financial-health-review\"><strong>Schedule a Monthly \u201cFinancial Health Review\u201d<\/strong><\/h3>\n\n\n\n<p>Dedicate one day each month to review profit statements, balance sheets, and cash flow. Early detection prevents crises.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"learn-basic-accounting-literacy\"><strong>Learn Basic Accounting Literacy<\/strong><\/h3>\n\n\n\n<p>Understanding financial statements, margins, and KPIs empowers smarter decisions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"diversify-revenue-streams\"><strong>Diversify Revenue Streams<\/strong><\/h3>\n\n\n\n<p>Avoid dependence on a single client or product. Explore complementary offerings to stabilize cash flow and reduce risk.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Also Read: <a href=\"https:\/\/trybeem.com\/blog\/build-a-family-health-emergency-fund-with-beem\/\" target=\"_blank\" data-type=\"post\" data-id=\"273096\" rel=\"noreferrer noopener\">How to Build a Family Health Emergency Fund With Beem<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion-smart-financial-habits-build-lasting-businesses\"><strong>Conclusion \u2014 Smart Financial Habits Build Lasting Businesses<\/strong><\/h2>\n\n\n\n<p>Mistakes concerning finances are bound to happen, but if you learn from them early on, that will be your defining trait as a successful person in the long run. Cash flow management, tax planning, and reserve maintenance are not just nice-to-haves\u2014they are essential for survival.<\/p>\n\n\n\n<p>Your company doesn&#8217;t go down when profits decline; it gets bankrupt when financial decisions are not intentional anymore. Create a habit, monitor every penny, and your firm will be prosperous by strategy not chance. <\/p>\n\n\n\n<p>It\u2019s essential to consider not just the costs of living but also the tools that can give you more financial flexibility. Platforms like\u00a0<strong><a href=\"https:\/\/trybeem.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">Beem<\/a><\/strong>\u00a0offer features such as Everdraft\u2122 for early deposit access and same-day cash options without credit checks or interest, making managing expenses less stressful. Download the Beem app <a href=\"https:\/\/apps.apple.com\/us\/app\/line-instant-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs-on-small-business-money-mistakes\"><strong>FAQs on Money Mistakes Small Business Owners Make<\/strong><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1761274877831\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What\u2019s the most common money mistake small business owners make?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Mixing personal and business finances, leading to disorganized records, tax confusion, and cash flow issues.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761274878632\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can small businesses avoid running out of cash?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Maintain cash reserves, track receivables, and forecast inflows\/outflows monthly.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761274879298\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>Is taking business debt a bad idea?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not necessarily. Debt can support growth if tied to a clear ROI and repayment plan.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761274918222\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How often should I review my business finances?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>At least monthly, to monitor expenses, profit margins, and upcoming obligations.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1761274925640\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What\u2019s the first financial habit every business owner should build?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Separate business accounts, automate bills, and consistently review financial reports.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>A lot of excellent business concepts do not succeed merely because there is no talent, but rather the reason is wrong financial management. Small businesses always rely on cash flow, budgeting, and strict money management as their main sources of life. Owners who make very simple financial mistakes can cause even profitable businesses to collapse. [&hellip;]<\/p>\n","protected":false},"author":80,"featured_media":279790,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2308],"tags":[4790,17488,86,11661,17487,191,925,2298],"edited-by":[],"class_list":["post-279785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spend","tag-beem","tag-cash-flow-management","tag-emergency-fund","tag-financial-independence","tag-money-mistakes-small-business-owners-make","tag-personal-finance","tag-saving-money","tag-tax-planning"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/279785","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\/80"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=279785"}],"version-history":[{"count":7,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/279785\/revisions"}],"predecessor-version":[{"id":279793,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/279785\/revisions\/279793"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/279790"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=279785"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=279785"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=279785"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=279785"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}