{"id":295926,"date":"2026-04-17T13:29:38","date_gmt":"2026-04-17T07:59:38","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=295926"},"modified":"2026-04-17T13:29:40","modified_gmt":"2026-04-17T07:59:40","slug":"best-strategies-pay-off-debt-while-saving-money","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/best-strategies-pay-off-debt-while-saving-money\/","title":{"rendered":"Best Strategies to Pay Off Debt While Saving Money at the Same Time"},"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-paying-off-debt-and-saving-feels-impossible-for-most-people\">Why Paying Off Debt and Saving Feels Impossible for Most People<\/a><ul><li><a href=\"#the-false-choice-between-debt-repayment-and-saving\">The False Choice Between Debt Repayment and Saving<\/a><\/li><li><a href=\"#a-smarter-way-to-manage-debt-without-falling-behind\">A Smarter Way to Manage Debt Without Falling Behind<\/a><\/li><\/ul><\/li><li><a href=\"#can-you-really-pay-off-debt-and-save-at-the-same-time\">Can You Really Pay Off Debt and Save at the Same Time?\u00a0<\/a><ul><li><a href=\"#understanding-the-dual-goal-strategy\">Understanding the Dual Goal Strategy<\/a><\/li><li><a href=\"#why-you-need-both-for-long-term-stability\">Why You Need Both for Long-Term Stability<\/a><\/li><li><a href=\"#the-role-of-cash-flow-management\">The Role of Cash Flow Management<\/a><\/li><\/ul><\/li><li><a href=\"#best-strategies-to-pay-off-debt-while-saving-money\">Best Strategies to Pay Off Debt While Saving Money<\/a><ul><li><a href=\"#1-start-with-a-starter-emergency-fund\">1. Start With a Starter Emergency Fund<\/a><\/li><li><a href=\"#2-use-the-70-20-10-or-50-30-20-hybrid-approach\">2. Use the 70-20-10 or 50-30-20 Hybrid Approach<\/a><\/li><li><a href=\"#3-prioritize-high-interest-debt-first-debt-avalanche\">3. Prioritize High-Interest Debt First (Debt Avalanche)<\/a><\/li><li><a href=\"#4-use-the-debt-snowball-for-motivation\">4. Use the Debt Snowball for Motivation<\/a><\/li><li><a href=\"#5-automate-savings-even-if-its-small\">\u00a05. Automate Savings Even If It&#8217;s Small\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/a><\/li><li><a href=\"#6-increase-income-alongside-budget-optimization\">6. Increase Income Alongside Budget Optimization<\/a><\/li><li><a href=\"#7-avoid-new-debt-during-the-process\">7. Avoid New Debt During the Process<\/a><\/li><\/ul><\/li><li><a href=\"#why-most-people-fail-at-balancing-debt-and-savings\">Why Most People Fail at Balancing Debt and Savings<\/a><ul><li><a href=\"#unexpected-expenses-reset-progress\">Unexpected Expenses Reset Progress<\/a><\/li><li><a href=\"#no-financial-cushion\">No Financial Cushion<\/a><\/li><li><a href=\"#over-aggressive-debt-repayment\">Over-Aggressive Debt Repayment<\/a><\/li><\/ul><\/li><li><a href=\"#how-beem-everdraft\u2122-helps-you-stay-consistent-while-paying-off-debt\">How Beem Everdraft\u2122 Helps You Stay Consistent While Paying Off Debt<\/a><ul><li><a href=\"#the-missing-layer-in-most-financial-plans\">The Missing Layer in Most Financial Plans<\/a><\/li><li><a href=\"#use-beem-to-avoid-breaking-your-plan\">Use Beem to Avoid Breaking Your Plan<\/a><\/li><li><a href=\"#why-beem-is-different\">Why Beem Is Different<\/a><\/li><\/ul><\/li><li><a href=\"#challenges-when-paying-off-debt-while-saving\">Challenges When Paying Off Debt While Saving<\/a><ul><li><a href=\"#slower-debt-payoff\">Slower Debt Payoff<\/a><\/li><li><a href=\"#temptation-to-use-savings\">Temptation to Use Savings<\/a><\/li><li><a href=\"#financial-interruptions\">Financial Interruptions<\/a><\/li><\/ul><\/li><li><a href=\"#how-people-successfully-balance-debt-and-savings\">How People Successfully Balance Debt and Savings<\/a><ul><li><a href=\"#the-credit-card-user-paying-down-high-apr-debt\">The Credit Card User Paying Down High APR Debt<\/a><\/li><li><a href=\"#the-gig-worker-who-manages-irregular-income\">The Gig Worker Who Manages Irregular Income<\/a><\/li><li><a href=\"#the-family-managing-multiple-expenses\">The Family Managing Multiple Expenses<\/a><\/li><\/ul><\/li><li><a href=\"#you-dont-have-to-choose-between-debt-freedom-and-financial-security\">You Don&#8217;t Have to Choose Between Debt Freedom and Financial Security<\/a><ul><li><a href=\"#build-a-system-that-works-in-real-life\">Build a System That Works in Real Life<\/a><\/li><\/ul><\/li><li><a href=\"#stay-on-track-with-beem-everdraft\u2122\">Stay on Track With Beem Everdraft\u2122<\/a><\/li><li><a href=\"#fa-qs-paying-off-debt-while-saving\">FAQs: Paying Off Debt While Saving<\/a><\/li><li><a href=\"#faq-question-1776412235814\">Should I pay off debt or save first?<\/a><\/li><li><a href=\"#faq-question-1776412241032\">How much should I save while paying off debt?<\/a><\/li><li><a href=\"#faq-question-1776412246288\">What is the best method to pay off debt fast?<\/a><\/li><li><a href=\"#faq-question-1776412251056\">Can I get out of debt without increasing income?<\/a><\/li><li><a href=\"#faq-question-1776412256808\">What if I have an emergency while paying off debt?<\/a><\/li><li><a href=\"#faq-question-1776412262785\">Does using Beem increase my debt?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-paying-off-debt-and-saving-feels-impossible-for-most-people\">Why Paying Off Debt and Saving Feels Impossible for Most People<\/h2>\n\n\n\n<p>Managing finances can sometimes put you in a dilemma, especially if you are living paycheck to paycheck or running small- to medium-sized businesses. When high-interest debts are looming overhead, saving seems out of the question. Limited income and rising expenses make saving seem like a far-fetched dream.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-false-choice-between-debt-repayment-and-saving\">The False Choice Between Debt Repayment and Saving<\/h3>\n\n\n\n<p>Most of us think that one has to choose either debt settlement or saving. If you prioritize debt repayment, you risk losing financial security. This approach might settle your debt faster if life remained constant, but that&#8217;s not the case. On the other hand, if you set aside everything for savings, the interest on the debts will keep mounting, so that is not a smart option either.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"a-smarter-way-to-manage-debt-without-falling-behind\">A Smarter Way to Manage Debt Without Falling Behind<\/h3>\n\n\n\n<p>The best financial strategy is to pursue both debt repayment and savings simultaneously. You just need to treat both as fixed expenses, just like other necessities, and prioritize them equally. If you ever fail to make ends meet,<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">&nbsp;apps like B<\/span>eem&nbsp;Everdraft\u2122&nbsp;can help by providing instant cash without the stress of interest, due dates, or credit checks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"can-you-really-pay-off-debt-and-save-at-the-same-time\">Can You Really Pay Off Debt and Save at the Same Time?&nbsp;<\/h2>\n\n\n\n<p id=\"a-little-strategy-and-careful-planning-can-help-you-pay-off-debt-and-save-at-the-same-time\">A little strategy and careful planning can help you pay off debt and save at the same time.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"understanding-the-dual-goal-strategy\">Understanding the Dual Goal Strategy<\/h3>\n\n\n\n<p>The best way to manage finances is to adopt the dual-goal strategy, which involves managing both debt and savings, along with other necessary monthly expenses. Paying your debt on time every month will help keep your liabilities in check. And setting aside even a small amount every month will help build financial security for the future and emergencies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-you-need-both-for-long-term-stability\">Why You Need Both for Long-Term Stability<\/h3>\n\n\n\n<p>A balance works best when you are looking to make your life financially safe, secure, and stress-free. Clearing debts could take months, and if an emergency strikes during this period, you will be forced to take out another loan to cover it.&nbsp;<\/p>\n\n\n\n<p>Vice versa, if you opt to save everything, the interest on the debts will continue to mount. By opting to take care of both simultaneously, you ensure that neither your present nor your future is compromised.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-role-of-cash-flow-management\">The Role of Cash Flow Management<\/h3>\n\n\n\n<p>The best way is to automate deposits into your savings account on your payday. And settle the monthly debt amount before moving on to other expenses. If at the end of the month you fall a little short, you can always avail yourself of the interest-free small loan services provided by<strong> <\/strong>Beem Everdraft\u2122 rather than toiling hard to get other high-interest loans.<\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/trybeem.com\/blog\/how-to-pay-off-debt-without-breaking-your-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Pay Off Debt Without Breaking Your Budget?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"best-strategies-to-pay-off-debt-while-saving-money\">Best Strategies to Pay Off Debt While Saving Money<\/h2>\n\n\n\n<p>By now, it is clear that the way forward is to save as well as pay. So, now let\u2019s look at how it can be put into practice in everyday life.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-start-with-a-starter-emergency-fund\">1. Start With a Starter Emergency Fund<\/h3>\n\n\n\n<p>The best way to start when you have both savings and debt to look after is to build an emergency fund. Once this safety net is in place, you can begin repaying the debt.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-use-the-70-20-10-or-50-30-20-hybrid-approach\">2. Use the 70-20-10 or 50-30-20 Hybrid Approach<\/h3>\n\n\n\n<p>Once an emergency fund is in place, you can start allocating your income to debt repayment and saving, along with all fixed necessary expenses. Depending on your situation, you can use any of this to model 70-20-10 or 50-30-20. For instance, if you are adopting the first method:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>70% \u2013 Necessary Expenses<\/li>\n\n\n\n<li>20% \u2013 Debt Settlement<\/li>\n\n\n\n<li>10% \u2013 Saving<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-prioritize-high-interest-debt-first-debt-avalanche\">3. Prioritize High-Interest Debt First (Debt Avalanche)<\/h3>\n\n\n\n<p>To settle debts from multiple lenders, you can first make the minimum repayments set by the lenders on all loans, and then the remaining amount is given to the lender with the highest interest rate.&nbsp;<\/p>\n\n\n\n<p>For instance, if you have three debts to pay: a credit card at 25%, a payday loan at 250%, and a car loan at 23%, you will first pay the minimum required to all lenders, and then put the remaining into the payday settlement account. This is called Debt Avalanche.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-use-the-debt-snowball-for-motivation\">4. Use the Debt Snowball for Motivation<\/h3>\n\n\n\n<p>In the second method, known as &#8216;Debt Snowball&#8217;, after allocating the minimum amount to each debt, the remaining amount is applied to the debt with the least remaining balance to be paid off. Although this method is less cost-effective than the avalanche method, many still adopt it because it is motivating to see the number of lenders reduce.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"5-automate-savings-even-if-its-small\">&nbsp;5. Automate Savings Even If It&#8217;s Small&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<\/h3>\n\n\n\n<p>Set up the system at your bank to automatically deposit a fixed amount into your savings account on payday. For starters, the amount can be set at $10 or $50. With the consistency of automation, you will be able to build substantial savings in a short time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-increase-income-alongside-budget-optimization\">6. Increase Income Alongside Budget Optimization<\/h3>\n\n\n\n<p>If your current job allows you some time, you can take up a side hustle, such as food delivery, rideshare driving, or babysitting,g or opt for a freelance job based on your skills and educational background. Apart from these jobs, you can also make some extra money by selling the items that are no longer of any use to you, like books, clothes, or furniture that is no longer required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"7-avoid-new-debt-during-the-process\">7. Avoid New Debt During the Process<\/h3>\n\n\n\n<p>For any approach to work, you must steer clear of piling other debts on the existing ones. If there are too many debts to tackle, not only saving but also covering necessary expenses becomes impossible.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-most-people-fail-at-balancing-debt-and-savings\">Why Most People Fail at Balancing Debt and Savings<\/h2>\n\n\n\n<p>Life is filled with unexpected events and irresistible temptations. Here\u2019s what you could face while you try to strike a balance.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"unexpected-expenses-reset-progress\">Unexpected Expenses Reset Progress<\/h3>\n\n\n\n<p>An accident or unexpected health emergency can bring all your planning to a grinding halt. The amount saved in the emergency fund may not be enough, and you might have to take another loan.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"no-financial-cushion\">No Financial Cushion<\/h3>\n\n\n\n<p>Tackling uncertainties without the cushion of saving is nothing short of disastrous. The monetary stress will just add to the stress you are already going through due to the uncertainty.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"over-aggressive-debt-repayment\">Over-Aggressive Debt Repayment<\/h3>\n\n\n\n<p>When you divert all your funds to clearing your loans without thinking about the future, you put everything at risk. If you are not saving, it can turn disastrous both for your present and future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-beem-everdraft\u2122-helps-you-stay-consistent-while-paying-off-debt\">How Beem Everdraft\u2122 Helps You Stay Consistent While Paying Off Debt<\/h2>\n\n\n\n<p><strong>Beem Everdraft\u2122 <\/strong>can help you sail through life uncertainties through user-friendly financial services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-missing-layer-in-most-financial-plans\">The Missing Layer in Most Financial Plans<\/h3>\n\n\n\n<p>When making a monthly budget, we may include income and expenses and balance everything perfectly. Still, an important factor we don&#8217;t consider is the timing of income and expenses, which can create a gap.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"use-beem-to-avoid-breaking-your-plan\">Use Beem to Avoid Breaking Your Plan<\/h3>\n\n\n\n<p>To address the timing mismatch, you can either access readily available funds or use a hassle-free, small loan service from Beem Everdraft\u2122. This helps you to bridge the gap between your pay and impending expenses without taking on a new loan at interest.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-beem-is-different\">Why Beem Is Different<\/h3>\n\n\n\n<p>Beem Everdraft\u2122 service stands out as one of the few interest-free lending services. It is a hassle-free service that lets you avail a loan quickly, as it is approved without any credit checks or due dates.<\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/trybeem.com\/blog\/how-life-insurance-can-help-pay-off-debts-after-youre-gone\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Life Insurance Can Help Pay Off Debts After You\u2019re Gone<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"challenges-when-paying-off-debt-while-saving\">Challenges When Paying Off Debt While Saving<\/h2>\n\n\n\n<p>The path to saving while settling debts is filled with many challenges that one needs to tackle. These are:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"slower-debt-payoff\">Slower Debt Payoff<\/h3>\n\n\n\n<p>You can build savings and repay debt at the same time for long-term sustainability, but the trade-off is that clearing your debt will take longer. With consistency and patience, you can clear your debts and enjoy the security that comes with saving.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"temptation-to-use-savings\">Temptation to Use Savings<\/h3>\n\n\n\n<p>Even if you know you have very little left at the end of the month, there is a long wishlist still pending, and it is that moment when you are tempted to spend your savings. But at this moment, you should realize that exhausting your savings would leave you in a lurch when you face an emergency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"financial-interruptions\">Financial Interruptions<\/h3>\n\n\n\n<p>When financial challenges such as moving or a job loss need to be addressed, consider borrowing from instant cash services like Beem Everdraft\u2122. They are a much better alternative to bank loans, which carry interest and take longer to process. <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\">Download the app now<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-people-successfully-balance-debt-and-savings\">How People Successfully Balance Debt and Savings<\/h2>\n\n\n\n<p>A little planning and smart ideas can help you balance your savings and debts. Check out these real-life examples to understand.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-credit-card-user-paying-down-high-apr-debt\">The Credit Card User Paying Down High APR Debt<\/h3>\n\n\n\n<p>Marcus, 34, a history teacher, owed a total of $18,400 to four different credit cards with APRs up to 29%. He adopted the avalanche method and tackled the card with the highest interest rate first. He also set aside $150 each month for savings to cover unexpected expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-gig-worker-who-manages-irregular-income\">The Gig Worker Who Manages Irregular Income<\/h3>\n\n\n\n<p>Daniella is a freelance graphic designer. She earns between $3,000 and $5,000 per month. She saves 8% of each payment while consistently making loan payments. In slow months, Beem bridged financial gaps without breaking either commitment.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"the-family-managing-multiple-expenses\">The Family Managing Multiple Expenses<\/h3>\n\n\n\n<p>Dev and Ria are a middle-aged couple with two young daughters living in Phoenix. They owed $23,000 in mixed debt. They adopted the 50-30-20 strategy \u2014 50% of their income was used to cover their needs, 30% was directed towards debt, and 20% was deposited into a separate savings account.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"you-dont-have-to-choose-between-debt-freedom-and-financial-security\">You Don&#8217;t Have to Choose Between Debt Freedom and Financial Security<\/h2>\n\n\n\n<p>A financial plan should address both the present and the future. If debt repayment makes your present stress-free, building savings gives you financial security in the future. Stay consistent, no matter what plan you adopt. It is also equally important to be flexible and make adjustments as and when your life situation requires.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"build-a-system-that-works-in-real-life\">Build a System That Works in Real Life<\/h3>\n\n\n\n<p>Consistency is the key to success, no matter what plan you adopt. It is also equally important to be flexible with your plan and make adjustments as and when your life situation requires.&nbsp; Just make sure your plan takes care of the present, as well as the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"stay-on-track-with-beem-everdraft\u2122\">Stay on Track With Beem Everdraft\u2122<\/h2>\n\n\n\n<p>At some point, all of us need that bit of extra cash. For such small needs, trust Beem Everdraft\u2122. It offers a quick, easy way to borrow interest-free small loans of up to $1,000, so you can move towards a debt-free future without making too many compromises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fa-qs-paying-off-debt-while-saving\">FAQs: Paying Off Debt While Saving<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1776412235814\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Should I pay off debt or save first?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>If you don\u2019t already have an emergency fund, start with a small one. Once you collect a decent amount in your emergency fund, you can start making payments on your debts and save simultaneously.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776412241032\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How much should I save while paying off debt?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>First, build an emergency fund of 3 to 6 months of expenses. Once that is in place, you can save 5\u201310% of your income while you focus on debt.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776412246288\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What is the best method to pay off debt fast?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>The two well-known methods are the avalanche and snowball methods. The avalanche method targets the debts with the highest interest rates first. At the same time, the snowball method targets the lowest debts. The Avalanche method saves on interest, while the snowball method builds motivation.\u00a0<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776412251056\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I get out of debt without increasing income?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, with consistent payments and cutting down your expenses, you will be able to become debt-free. But increasing income can significantly speed up the process.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776412256808\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What if I have an emergency while paying off debt?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>If you are faced with an emergency and don\u2019t have enough in your emergency savings, you can rely on backup options like Beem Everdraft\u2122 for instant interest-free cash.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1776412262785\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Does using Beem increase my debt?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>No, Beem offers interest-free access to cash without traditional debt structures. There is no long-term debt burden like other lending services.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Why Paying Off Debt and Saving Feels Impossible for Most People Managing finances can sometimes put you in a dilemma, especially if you are living paycheck to paycheck or running small- to medium-sized businesses. When high-interest debts are looming overhead, saving seems out of the question. Limited income and rising expenses make saving seem like [&hellip;]<\/p>\n","protected":false},"author":28,"featured_media":282396,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[3106],"tags":[4790,107,168,757,191,216],"edited-by":[],"class_list":["post-295926","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-save","tag-beem","tag-financial-planning","tag-money-matters","tag-pay-off-debt","tag-personal-finance","tag-save-money"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/295926","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\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=295926"}],"version-history":[{"count":6,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/295926\/revisions"}],"predecessor-version":[{"id":295938,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/295926\/revisions\/295938"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/282396"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=295926"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=295926"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=295926"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=295926"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}