{"id":299854,"date":"2026-06-22T21:03:09","date_gmt":"2026-06-22T15:33:09","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=299854"},"modified":"2026-06-22T21:04:04","modified_gmt":"2026-06-22T15:34:04","slug":"how-to-avoid-overwhelming-debt-when-consolidating","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/how-to-avoid-overwhelming-debt-when-consolidating\/","title":{"rendered":"How to Avoid Overwhelming Debt When Consolidating?"},"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=\"#introduction\">Introduction<\/a><\/li><li><a href=\"#what-debt-consolidation-actually-does\">What Debt Consolidation Actually Does<\/a><\/li><li><a href=\"#why-some-people-end-up-deeper-in-debt-after-consolidating\">Why Some People End Up Deeper in Debt After Consolidating?<\/a><\/li><li><a href=\"#start-with-a-realistic-debt-assessment\">Start With a Realistic Debt Assessment<\/a><\/li><li><a href=\"#choose-a-consolidation-option-you-can-actually-afford\">Choose a Consolidation Option You Can Actually Afford<\/a><ul><\/ul><\/li><li><a href=\"#avoid-lower-payment-traps\">Avoid Lower Payment Traps<\/a><\/li><li><a href=\"#stop-using-credit-aggressively-after-consolidation\">Stop Using Credit Aggressively After Consolidation<\/a><\/li><li><a href=\"#build-an-emergency-fund-alongside-repayment\">Build an Emergency Fund Alongside Repayment<\/a><\/li><li><a href=\"#create-a-budget-before-consolidating\">Create a Budget Before Consolidating<\/a><\/li><li><a href=\"#watch-for-hidden-consolidation-costs\">Watch for Hidden Consolidation Costs<\/a><\/li><li><a href=\"#avoid-emotional-spending-during-financial-relief\">Avoid Emotional Spending During Financial Relief<\/a><\/li><li><a href=\"#signs-consolidation-may-not-be-enough\">Signs Consolidation May Not Be Enough<\/a><\/li><li><a href=\"#smart-habits-that-prevent-debt-from-returning\">Smart Habits That Prevent Debt From Returning<\/a><\/li><li><a href=\"#how-beem-helps-reduce-financial-stress\">How Beem Helps Reduce Financial Stress?<\/a><ul><li><a href=\"#beem-credit-builder-card\">Beem Credit Builder Card<\/a><\/li><\/ul><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><li><a href=\"#top-5-fa-qs\">Top 5 FAQs<\/a><ul><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 id=\"introduction\" class=\"wp-block-heading\">Introduction<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation can be an effective way to simplify your finances, reduce the number of monthly payments you manage, and potentially lower your interest costs. However, consolidation isn&#8217;t a guaranteed solution to debt problems. In some cases, borrowers end up accumulating new balances after consolidating existing debt, creating an even larger financial burden than before. To make debt consolidation work in your favor, it&#8217;s important to understand how to avoid common mistakes and develop habits that prevent debt from becoming overwhelming again.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">While you&#8217;re working toward financial stability, unexpected expenses can still arise. If you need short-term financial support, Beem&#8217;s <a href=\"https:\/\/learn.trybeem.com\/beem-cash-advance\/\">cash advance<\/a> feature allows eligible users to access up to $1,000 from verified bank deposits without interest or credit checks. For larger borrowing needs, options such as <a href=\"https:\/\/learn.trybeem.com\/emergency-loans\/\">emergency loans<\/a> and a <a href=\"https:\/\/trybeem.com\/personal-loan\">personal loan<\/a> may provide additional flexibility. You can also <a href=\"https:\/\/trybeem.com\/send-money-online\">send money online<\/a> quickly and securely when managing shared financial responsibilities or helping loved ones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this guide, we&#8217;ll explore how to avoid overwhelming debt when consolidating, the mistakes that can undermine your progress, and the strategies that can help you stay on track toward long-term financial health.<\/p>\n\n\n\n<h2 id=\"what-debt-consolidation-actually-does\" class=\"wp-block-heading\">What Debt Consolidation Actually Does<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation is when you combine a number of debts into one repayment plan. This makes it easier to manage your monthly payments. Common methods of consolidation include personal loans, balance transfer credit cards and debt management plans. Rather than keeping track of a variety of payment due dates and interest rates, borrowers will make one payment under the new arrangement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This can make budgeting and organization easier, but it\u2019s important to understand that consolidation doesn\u2019t get rid of debt. The debt is still there and must be paid back on the new terms. Consolidation is primarily a financial management tool that can help improve repayment efficiency if used responsibly. The key to success is to choose the right terms and stick with your plan to pay down debt rather than thinking that consolidation is the whole answer.<\/p>\n\n\n\n<h2 id=\"why-some-people-end-up-deeper-in-debt-after-consolidating\" class=\"wp-block-heading\">Why Some People End Up Deeper in Debt After Consolidating?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation can help you in the short term but if you don\u2019t change your spending habits, you can find yourself in the same position again. One of the biggest mistakes is to continue overspending after debts have been consolidated. Some borrowers consolidate their credit card balances and then immediately return to using those cards, racking up more debt on top of the debt they are already paying off.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Others just want to get a lower monthly payment and not think about how much they are really paying back over time. Longer repayment terms can mean much higher overall interest payments. Opting for repayment terms that don\u2019t fit a realistic budget can also lead to missed payments and renewed financial stress. Consolidation works best when it is combined with behavioral changes that get to the root causes of debt accumulation.<\/p>\n\n\n\n<h2 id=\"start-with-a-realistic-debt-assessment\" class=\"wp-block-heading\">Start With a Realistic Debt Assessment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation is not for everyone, and it\u2019s crucial for borrowers to take a close look at their finances before proceeding. This includes working out how much you owe in total, finding out what interest rates you\u2019re currently paying, reviewing how much you have to pay each month and considering how stable your income is. Knowing how much the debt is and how easily it can be paid off helps prevent starry-eyed hopes. A useful measure is debt-to-income ratio, which compares monthly debt payments to gross monthly income.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Debt-to-Income Ratio = Monthly Debt Payments \/ Gross Monthly Income * 100<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A high ratio might indicate that repayment problems are more than just consolidation. A well-designed assessment of financial commitments gives borrowers an opportunity to choose solutions that correspond to their actual financial capacity and long-term goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read related blog:\u00a0<a href=\"https:\/\/trybeem.com\/blog\/pay-off-debt-personal-loans-credit-boost\/\" target=\"_blank\" rel=\"noreferrer noopener\">Pay Off Debt With Beem\u2019s Personal Loans to Boost Your Credit Score<\/a><\/strong><\/p>\n\n\n\n<h2 id=\"choose-a-consolidation-option-you-can-actually-afford\" class=\"wp-block-heading\">Choose a Consolidation Option You Can Actually Afford<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are different consolidation options for different financial situations. Before you decide which way to go, you need to work out what the repayment timetable is, what it will cost you in terms of interest and whether you can afford it.<\/p>\n\n\n\n<h3 id=\"personal-loans\" class=\"wp-block-heading\">Personal Loans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Personal loans have monthly payments and predictable repayment schedules. This structure can help borrowers stay organized since there is a set payoff date for the loan. Fixed interest rates also reduce uncertainty, making it easier for borrowers to plan and allowing them to focus on paying down debt through regular payments.<\/p>\n\n\n\n<h3 id=\"balance-transfer-cards\" class=\"wp-block-heading\">Balance Transfer Cards<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Borrowers with high-interest credit card debt can benefit from balance transfer credit cards. Promotional interest rates may help you lower your borrowing costs in the short term and give you a chance to pay down your balances faster. But you do have to pay off the balance transferred before the promotional period ends and higher rates kick in.<\/p>\n\n\n\n<h3 id=\"debt-management-plans\" class=\"wp-block-heading\">Debt Management Plans<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Debt management plans are commonly appropriate for people who are struggling to juggle multiple creditors. Typically, these programs are professionally supervised and have payment plans. \u201cThey can help facilitate communication with creditors and keep borrowers on track while working for incremental debt reduction.<\/p>\n\n\n\n<h2 id=\"avoid-lower-payment-traps\" class=\"wp-block-heading\">Avoid Lower Payment Traps<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lower monthly payments are often attractive because they offer immediate breathing room in a household budget. But it can be misleading to look at affordability alone. Longer repayment terms usually mean more paid over the life of the debt, even if monthly obligations are lower. A loan with lower payments can also extend the time to pay it off and increase interest costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Before a borrower chooses a consolidation option, they should consider the total amount of repayment and not just the monthly savings. When examining repayment schedules, interest charges and payoff timelines, the true cost of consolidation becomes clearer. Decisions driven by long-term affordability, rather than short-term relief, help prevent financial setbacks and allow for more effective debt reduction.<\/p>\n\n\n\n<h2 id=\"stop-using-credit-aggressively-after-consolidation\" class=\"wp-block-heading\">Stop Using Credit Aggressively After Consolidation<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the most common reasons for failure of consolidation is a return to excessive use of credit. After a debt consolidation, credit cards often have lower balances or are fully paid off and borrowers want to start spending again. This can quickly generate a second cycle of debt while having the consolidated loan to be repaid. Using new credit to boost spending power undermines the point of consolidation and may add to financial stress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Instead, borrowers should concentrate on paying down their outstanding obligations and avoid making unnecessary purchases. The benefits of consolidation work when you continue to be disciplined with your credit use. Limiting new debt and focusing on repayment goals helps to prevent balances from building back up again, and helps in overall long-term financial recovery.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read related blog:\u00a0<a href=\"https:\/\/trybeem.com\/blog\/prioritize-debt-repayment-in-your-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Prioritize Debt Repayment in Your Budget: The 2025 Guide to Financial Freedom<\/a><\/strong><\/p>\n\n\n\n<h2 id=\"build-an-emergency-fund-alongside-repayment\" class=\"wp-block-heading\">Build an Emergency Fund Alongside Repayment<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unexpected expenses are one of the biggest reasons people fall back into debt after making progress. When savings aren\u2019t an option, medical bills, car repairs, home maintenance costs and temporary income disruptions can force borrowers to turn to credit cards. If you pay down debt and create an emergency fund, you will have a financial safety net to help absorb these unexpected costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Even saving a little can help you borrow less and feel more confident about your finances. Small amounts saved regularly into an emergency fund can build financial resilience over time. Accessible savings keep you on track with repayment plans and help you avoid setbacks that could reverse progress. That&#8217;s where the whole emergency fund vs. debt payoff thing comes in.<\/p>\n\n\n\n<h2 id=\"create-a-budget-before-consolidating\" class=\"wp-block-heading\">Create a Budget Before Consolidating<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Effective Budgeting One of the most valuable tools for successful debt consolidation. Before restructuring debt, borrowers should understand where their money is going each month and where they might be able to improve cash flow. You can look at your required expenses, debt payments, subscriptions, discretionary spending, and recurring spending habits to help you find areas where you can make changes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Budgeting helps create realistic expectations for repayment and avoids overcommitting to loan terms that can\u2019t be met. It also helps keep debt repayment a priority, creating accountability. Consolidation is usually more effective if borrowers already have a clear plan for how they will spend. Getting your finances in order before consolidating your debt will help you make better decisions and will help you stay on the program on your way to becoming debt-free.<\/p>\n\n\n\n<h2 id=\"watch-for-hidden-consolidation-costs\" class=\"wp-block-heading\">Watch for Hidden Consolidation Costs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Some debt consolidation products involve fees and charges that can negate any possible savings. The lower interest rate may seem attractive, but borrowers must look at the whole cost structure before committing. That includes the origination fees for a personal loan, the balance transfer fees for a credit card promotion, late payment penalties, and deferred interest.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some offers look cheap at first glance, but once you add up all the fees they\u2019re more expensive. A close look at loan contracts and repayment terms reveals hidden costs that impact affordability. When looking at the total cost of options it gives a better picture of possible savings. Those who compare interest rates and fees are better positioned to choose consolidation options that support their financial goals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read:\u00a0<a href=\"https:\/\/trybeem.com\/blog\/debt-payoff-vs-investing-which-should-come-first\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Balance Debt Payoff With Educational Savings<\/a><\/strong><\/p>\n\n\n\n<h2 id=\"avoid-emotional-spending-during-financial-relief\" class=\"wp-block-heading\">Avoid Emotional Spending During Financial Relief<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation often brings relief as payments become more manageable and financial pressure is eased, at least for a time. This is understandable but can also lead to spending decisions that take you away from your long-term progress. And more available credit, less stress and lower monthly obligations can create the illusion that the financial problems have been solved altogether.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">But the debt is real and it must be paid over and over again. Emotionally spending during this time can undo the benefits of consolidation and leave you with added financial burdens. You have to be aware of how you spend during the acclimatization period. Borrowers who stay focused on repayment goals and financial discipline will likely achieve lasting results and avoid repeating past mistakes.<\/p>\n\n\n\n<h2 id=\"signs-consolidation-may-not-be-enough\" class=\"wp-block-heading\">Signs Consolidation May Not Be Enough<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation can put repayment on an orderly track but it may not solve deeper financial problems. There are some indicators that suggest the need for additional assistance or alternative debt relief options.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Debt keeps growing monthly: If balances keep growing even after consolidation, then spending or borrowing may still be outpacing repayment progress. This may be a sign that the underlying financial issues have not been addressed.<\/li>\n\n\n\n<li>Minimum payments are still tough: If you\u2019re having a hard time making required payments after consolidating debt, it could mean the terms of repayment are still too expensive or that the debt is too high for your current financial situation.<\/li>\n\n\n\n<li>Income volatility continues: Changes in your income, less hours at work or irregular income can make it more difficult to stick to a regular repayment schedule and can also increase your risk of missed payments.<\/li>\n\n\n\n<li>Living beyond your means: If your expenses are consistently higher than your income, debt consolidation alone may not be enough to get you back on track financially.<\/li>\n\n\n\n<li>Seek professional help: If debt continues to be a struggle after consolidation, credit counseling, financial coaching or other debt relief options may provide further assistance and help identify more sustainable solutions.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read:\u00a0<a href=\"https:\/\/trybeem.com\/blog\/debt-payoff-vs-investing-which-should-come-first\/\" target=\"_blank\" rel=\"noreferrer noopener\">Debt Payoff vs Investing: Which Should Come First?<\/a><\/strong><\/p>\n\n\n\n<h2 id=\"smart-habits-that-prevent-debt-from-returning\" class=\"wp-block-heading\">Smart Habits That Prevent Debt From Returning<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation can offer a financial fresh start, but the habits that follow are key to long-term success. It also keeps the borrower on track with good money management, so that they don\u2019t fall into debt again.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Automatic payments: Automatic payments guarantee that your bills are paid on time. This can lower the chances of late fees, missed due dates and possible damage to credit health.<\/li>\n\n\n\n<li>Low credit utilization: Using only a small portion of available credit demonstrates responsible borrowing habits. Lower credit utilization can also contribute to stronger credit health over time.<\/li>\n\n\n\n<li>Emergency savings: An emergency fund is a financial cushion for unexpected expenses. Having savings on hand means you may not have to rely on credit cards in times of financial trouble.<\/li>\n\n\n\n<li>Spending tracking: When you track your spending on a regular basis it makes you more aware of your spending habits so you can see where you may need to make adjustments to stay on budget.<\/li>\n\n\n\n<li>Controlled discretionary spending: By cutting back on needless spending and monitoring budgets on a routine basis, financial stability can be increased and long-term debt repayment goals can be supported.<\/li>\n<\/ul>\n\n\n\n<h2 id=\"how-beem-helps-reduce-financial-stress\" class=\"wp-block-heading\">How Beem Helps Reduce Financial Stress?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt management often requires tools that promote responsible financial behavior and spending awareness. Well-designed products that help control spending can help borrowers avoid credit traps and encourage healthier money habits.<\/p>\n\n\n\n<h3 id=\"beem-credit-builder-card\" class=\"wp-block-heading\">Beem Credit Builder Card<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The Beem Credit Builder Card is a wallet-based card with a free card that can be added to Apple Wallet, Google Wallet and other digital wallets. It can be used anywhere Mastercard is accepted. Spending is linked to the money available, so users get a better picture of their financial activity and learn to spend responsibly, promoting long-term financial discipline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Read:\u00a0<a href=\"https:\/\/trybeem.com\/blog\/how-to-create-a-debt-payoff-plan-that-works\/\" target=\"_blank\" rel=\"noreferrer noopener\">How to Create a Debt Payoff Plan That Works<\/a><\/strong><\/p>\n\n\n\n<h2 id=\"conclusion\" class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Debt consolidation can be a valuable financial tool, but its success depends largely on what happens after the consolidation is complete. While combining debts into a single payment may make repayment more manageable, it&#8217;s important to address the spending habits and financial challenges that contributed to the debt in the first place. Creating a realistic budget, building an emergency fund, and avoiding unnecessary new debt can help ensure that consolidation leads to lasting financial improvement rather than a temporary fix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Remember that debt freedom is a process, not an event. Staying disciplined, making payments on time, and regularly monitoring your financial progress can help you avoid falling back into overwhelming debt. Small, consistent actions often have the greatest impact over time.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As you continue your financial journey, Beem can help you stay prepared for life&#8217;s unexpected expenses. With Everdraft\u2122, eligible users can access up to $1,000 in cash advances without interest or credit checks, providing additional flexibility when temporary cash flow challenges arise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to take greater control of your finances? Download Beem today on the <a href=\"https:\/\/apps.apple.com\/us\/app\/beem-cash-advance-banking\/id1525101476\" target=\"_blank\" rel=\"noopener\">Apple App Store<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line&amp;pli=1\" target=\"_blank\" rel=\"noopener\">Google Play Store<\/a> and discover smarter ways to manage money, access emergency funds, and build a stronger financial future.<\/p>\n\n\n\n<h2 id=\"top-5-fa-qs\" class=\"wp-block-heading\">Top 5 FAQs<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1781968430164\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Can debt consolidation make debt worse?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes.\u00a0 But debt consolidation can make financial problems worse if borrowers overspend again, charge up paid-off credit cards again, or choose repayment terms that stretch debt out too long. Consolidation might just create a new cycle of borrowing without changing spending habits.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781968440622\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How do I avoid getting back into debt after consolidating?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Have a budget. Build up emergency savings. Regularly review your spending. Don\u2019t spend new credit just because you have it. After consolidation, keeping up with repayment goals and disciplined financial habits can help keep the debt from piling up again.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781968535489\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Should I close credit cards after consolidation?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Not necessarily.\u00a0 Closing accounts can affect utilization and credit history. Instead, many borrowers are better served by keeping their accounts open and avoiding unnecessary spending. The key is to use available credit responsibly and keep balances from growing again.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781968544105\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the safest debt consolidation option?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The right choice will depend on your financial situation. Many people like fixed payment personal loans because they are predictable. And debt management plans can help people who are having trouble paying multiple creditors. Affordability and realistic repayment terms come first.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1781968553831\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How can budgeting help after debt consolidation?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A budget helps borrowers monitor income, manage expenses and prioritize repayment obligations. A good budget helps reduce wasteful spending and improve cash flow management, encouraging long-term financial health and making it easier to avoid future debt issues.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Introduction Debt consolidation can be an effective way to simplify your finances, reduce the number of monthly payments you manage, and potentially lower your interest costs. However, consolidation isn&#8217;t a guaranteed solution to debt problems. In some cases, borrowers end up accumulating new balances after consolidating existing debt, creating an even larger financial burden than [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":298049,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2319],"tags":[4790,2175,107,168,191,216],"edited-by":[],"class_list":["post-299854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt","tag-beem","tag-car-insurance","tag-financial-planning","tag-money-matters","tag-personal-finance","tag-save-money"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/299854","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\/35"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=299854"}],"version-history":[{"count":2,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/299854\/revisions"}],"predecessor-version":[{"id":299926,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/299854\/revisions\/299926"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/298049"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=299854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=299854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=299854"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=299854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}