{"id":300830,"date":"2026-07-09T21:49:35","date_gmt":"2026-07-09T16:19:35","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=300830"},"modified":"2026-07-09T21:49:37","modified_gmt":"2026-07-09T16:19:37","slug":"money-plan-for-buying-your-first-home","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/money-plan-for-buying-your-first-home\/","title":{"rendered":"Money Plan for Buying Your First Home in 24 Months"},"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=\"#step-1-understand-the-true-cost-of-buying-a-home\">Step 1: Understand the True Cost of Buying a Home<\/a><ul><li><a href=\"#the-purchase-price-is-not-the-full-cost\">The Purchase Price Is Not the Full Cost<\/a><\/li><\/ul><\/li><li><a href=\"#step-2-set-a-realistic-down-payment-target\">Step 2: Set a Realistic Down Payment Target<\/a><\/li><li><a href=\"#step-3-break-the-24-month-goal-into-monthly-milestones\">Step 3: Break the 24-Month Goal Into Monthly Milestones<\/a><ul><li><a href=\"#small-milestones-make-big-goals-achievable\">Small milestones make big goals achievable.\u00a0<\/a><\/li><\/ul><\/li><li><a href=\"#step-4-improve-your-credit-score-early\">Step 4: Improve Your Credit Score Early<\/a><ul><li><a href=\"#credit-health-impacts-mortgage-terms\">Credit Health Impacts Mortgage Terms<\/a><\/li><\/ul><\/li><li><a href=\"#step-5-reduce-high-interest-debt-before-buying\">Step 5: Reduce High-Interest Debt Before Buying<\/a><\/li><li><a href=\"#step-6-automate-your-home-savings-plan\">Step 6: Automate Your Home Savings Plan<\/a><ul><li><a href=\"#remove-willpower-from-the-equation\">Remove Willpower From the Equation<\/a><\/li><\/ul><\/li><li><a href=\"#step-7-build-a-home-buying-emergency-buffer\">Step 7: Build a Home Buying Emergency Buffer<\/a><\/li><li><a href=\"#common-mistakes-first-time-homebuyers-make\">Common Mistakes First-Time Homebuyers Make<\/a><\/li><li><a href=\"#final-thoughts-a-home-is-a-financial-journey-not-a-single-purchase\">Final Thoughts: A Home Is a Financial Journey, Not a Single Purchase<\/a><\/li><li><a href=\"#fa-qs\">FAQs: Money Plan for Buying Your First Home in 24 Months<\/a><\/li><li><a href=\"#faq-question-1783613616915\">How much should I save before buying my first home?<\/a><\/li><li><a href=\"#faq-question-1783613627567\">Can I buy a house in 24 months with no savings?<\/a><\/li><li><a href=\"#faq-question-1783613635591\">What credit score do I need to buy a home?<\/a><\/li><li><a href=\"#faq-question-1783613643183\">What costs are involved in buying a house?<\/a><\/li><li><a href=\"#faq-question-1783613650951\">How do I save for a down payment faster?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying your first home is exciting, but it can also feel overwhelming. There are so many moving parts, like saving for a down payment, improving your credit, paying off debt, and figuring out mortgage options, that it&#8217;s easy to freeze before you even start.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The good news is that you don&#8217;t need to have everything figured out today. In fact, most successful first-time homebuyers don&#8217;t wake up one morning with perfect finances and a pile of cash sitting in the bank. They create a plan and follow it consistently,y and that&#8217;s why the idea of a 24-month timeline plays an important role.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Two years is long enough to make meaningful progress but short enough to keep you motivated. It turns a dream that feels far away into something you can actually work toward month by month.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re hoping to buy your first home within the next two years, here&#8217;s a simple roadmap. Let&#8217;s break it down. Keep reading.<\/p>\n\n\n\n<h2 id=\"step-1-understand-the-true-cost-of-buying-a-home\" class=\"wp-block-heading\">Step 1: Understand the True Cost of Buying a Home<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the biggest mistakes first-time buyers make is focusing only on the down payment. That&#8217;s the number everyone talks about, but when you actually buy your first home, you quickly realize the down payment is only one piece of the puzzle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You&#8217;ll also need money for:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Closing costs<\/li>\n\n\n\n<li>Moving expenses<\/li>\n\n\n\n<li>Home inspections<\/li>\n\n\n\n<li>Utility deposits<\/li>\n\n\n\n<li>Furniture and household items<\/li>\n\n\n\n<li>Small repairs and upgrades<\/li>\n\n\n\n<li>Emergency savings<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example, you can do an amazing job saving nearly $25,000 for a down payment, feeling confident and ready to buy, only to realize you need to start adding up other expenses.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Closing costs alone will be several thousand dollars; you need movers, basic furniture for two empty bedrooms, and the home might need a few <a href=\"https:\/\/trybeem.com\/blog\/beem-emergency-home-repairs\/\" target=\"_blank\" rel=\"noreferrer noopener\">minor repairs<\/a> right after closing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Suddenly, that savings account didn&#8217;t feel quite as large. Nothing went wrong; these are all normal expenses. The issue was simply that there wasn\u2019t a proper plan.<\/p>\n\n\n\n<h3 id=\"the-purchase-price-is-not-the-full-cost\" class=\"wp-block-heading\">The Purchase Price Is Not the Full Cost<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">This is one lesson every first-time buyer learns eventually. The home price isn&#8217;t the total cost of becoming a homeowner. Even if the house is in great condition, there will be expenses you don&#8217;t see coming.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A refrigerator stops working, the water heater fails, or you realize the backyard needs attention. You buy curtains, tools, shelving, and dozens of little things nobody talks about beforehand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Most homeowners can tell stories about spending money they never expected to spend during their first year. And that&#8217;s why it is important to let buyers build a complete budget, not just a down payment target.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=300757&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">Money Plan for the Year After Adopting a Child<\/a>&nbsp;<\/p>\n\n\n\n<h2 id=\"step-2-set-a-realistic-down-payment-target\" class=\"wp-block-heading\">Step 2: Set a Realistic Down Payment Target<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Once you understand the total cost, it&#8217;s time to decide how much you actually need to save. This is where many people get overwhelmed because they&#8217;ve heard conflicting advice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some people insist you need 20% down; others say you can buy with much less. The truth is that every situation is different. People buy homes with large <a href=\"https:\/\/trybeem.com\/blog\/5-vs-20-down-payment\/\" target=\"_blank\" rel=\"noreferrer noopener\">down payments<\/a> and with much smaller ones; what&#8217;s important is setting a target that fits your finances and timeline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if you&#8217;re hoping to buy a $300,000 home, your savings goal will look very different from that of someone targeting a $500,000 home. Your income matters too. Someone earning $120,000 a year can generally save faster than someone earning $55,000. That doesn&#8217;t mean one person can buy a home and the other can&#8217;t; it simply means their strategies may look different.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The biggest thing is clarity. A lot of people tell themselves they&#8217;re saving for a house, and that&#8217;s not a goal; it&#8217;s a wish. A goal sounds more like &#8220;I need $30,000 in the next 24 months.&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now you have something measurable; you know exactly what you&#8217;re working towards,d and once you know the number, everything becomes easier to plan.<\/p>\n\n\n\n<h2 id=\"step-3-break-the-24-month-goal-into-monthly-milestones\" class=\"wp-block-heading\">Step 3: Break the 24-Month Goal Into Monthly Milestones<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whenever people hear a large savings target, their first reaction is usually panic. Saving $30,000 sounds hard, but saving $1,250 per month feels much more manageable. The math is the same; the mindset is completely different.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why breaking your goal into smaller pieces is so important. Here is how you can do it:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Month 1\u20136: Build the Foundation<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The first six months are about creating habits. Don&#8217;t worry about being perfect; focus on consistency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is the time to create a working budget, open a dedicated savings account, track spending, reduce obvious waste, and set up automatic transfers. The goal is building momentum.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Month 7\u201312: Pick Up Speed<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#8217;ve developed the habit of saving, things usually get easier. This is when many people start looking for ways to increase contributions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You put your <a href=\"https:\/\/trybeem.com\/blog\/direct-deposit-into-savings-checking-account\/\" target=\"_blank\" rel=\"noreferrer noopener\">tax refund into savings<\/a>, redirect a work bonus, or pick up a side gig for extra income. An interesting pattern has emerged over the years. The first few months are usually the hardest, and after that, people often surprise themselves with how much they can save.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Month 13\u201318: Stay Consistent<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This stage is often overlooked. The excitement of getting started has faded, but the finish line still feels distant; keep going. This is where consistency matters more than motivation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#8217;t need huge wins every month; you need steady progress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Month 19\u201324: Prepare for the Finish Line<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By now, you&#8217;re getting close. This is the time to review your numbers, estimate closing costs,s and begin talking with lenders if you&#8217;re comfortable doing so. It&#8217;s also a good time to avoid major financial changes. Try not to switch jobs unnecessarily, open new credit accounts, or take on large debts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Stability becomes increasingly important.&nbsp;<\/p>\n\n\n\n<h3 id=\"small-milestones-make-big-goals-achievable\" class=\"wp-block-heading\">Small milestones make big goals achievable.&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">People stay motivated when they can see progress. Reaching a monthly goal feels good, od and reaching six monthly goals in a row feels even better.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Those small victories build confidence, and confidence keeps people moving forward.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=284672&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">How to Create a 5-Year Money Plan Together<\/a>&nbsp;<\/p>\n\n\n\n<h2 id=\"step-4-improve-your-credit-score-early\" class=\"wp-block-heading\">Step 4: Improve Your Credit Score Early<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If buying a home is two years away, now is the time to start paying attention to your credit. Not six months from now, not when you&#8217;re ready to apply for a mortgage, it\u2019s today.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit improvements often take time; the earlier you start, the better. Some simple habits can make a meaningful difference:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pay every bill on time<\/li>\n\n\n\n<li>Keep credit card balances low<\/li>\n\n\n\n<li>Reduce outstanding debt<\/li>\n\n\n\n<li>Check your credit reports<\/li>\n\n\n\n<li>Avoid opening unnecessary accounts<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">None of these steps is complicated, but they work. Some people improve their credit dramatically simply by becoming more consistent with the basics.<\/p>\n\n\n\n<h3 id=\"credit-health-impacts-mortgage-terms\" class=\"wp-block-heading\">Credit Health Impacts Mortgage Terms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Many people think credit only affects loan approval; that&#8217;s only part of the story. Your credit can influence the interest rate you&#8217;re offered, and over the life of a mortgage, even a slightly lower interest rate can save a significant amount of money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s why <a href=\"https:\/\/trybeem.com\/blog\/digital-banking-ai-improve-credit-scoring-models\/\" target=\"_blank\" rel=\"noreferrer noopener\">improving your credit<\/a> isn&#8217;t just about qualifying for a loan; it&#8217;s about making homeownership more affordable for years to come.<\/p>\n\n\n\n<h2 id=\"step-5-reduce-high-interest-debt-before-buying\" class=\"wp-block-heading\">Step 5: Reduce High-Interest Debt Before Buying<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This isn&#8217;t the most exciting topic. Most people would rather focus on saving than debt reduction, but high-interest debt can quietly slow down your progress.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Credit card balances are often the biggest issue. Some people might be trying to save aggressively for a house while carrying thousands of dollars on cards charging double-digit interest rates. In many cases, reducing that debt improved their financial situation faster than simply throwing every extra dollar into savings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debt also affects mortgage approval. Lenders pay close attention to your debt obligations when evaluating your application. The more debt you carry, the harder it can be to qualify comfortably.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You don&#8217;t necessarily need to eliminate every debt before buying, but reducing expensive debt can make the entire process smoother. It feels better to enter homeownership with fewer financial obligations hanging over your head.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=284710&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">How to Balance Career Goals and Money Plans<\/a>&nbsp;<\/p>\n\n\n\n<h2 id=\"step-6-automate-your-home-savings-plan\" class=\"wp-block-heading\">Step 6: Automate Your Home Savings Plan<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If there&#8217;s one strategy recommended more than almost any other, it&#8217;s automation. People often think financial success comes from discipline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Actually, it comes from systems. The less you rely on daily motivation, the better. Set up automatic transfers from every paycheck into a dedicated home savings account. Treat those transfers like a bill that must be paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When the money moves automatically, you stop debating whether to save this month, and the decision has already been made.<\/p>\n\n\n\n<h3 id=\"remove-willpower-from-the-equation\" class=\"wp-block-heading\">Remove Willpower From the Equation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Life gets busy, <a href=\"https:\/\/trybeem.com\/blog\/best-way-to-plan-for-unexpected-expenses\/\" target=\"_blank\" rel=\"noreferrer noopener\">unexpected expenses<\/a> happen, and motivation disappears. Automation solves many of those problems.&nbsp; &nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">People save tens of thousands of dollars simply because they created a system that worked in the background. They weren&#8217;t thinking about saving every day; the process was doing the work for them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s powerful.<\/p>\n\n\n\n<h2 id=\"step-7-build-a-home-buying-emergency-buffer\" class=\"wp-block-heading\">Step 7: Build a Home Buying Emergency Buffer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One thing that first-time buyers should know is this: Don&#8217;t empty your bank account to buy a house. People use every dollar they have to get to the closing table. Then a month later, something breaks, and suddenly they&#8217;re homeowners with no emergency savings. That&#8217;s not a comfortable position to be in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Extra savings create breathing room. Your emergency buffer can help cover unexpected repairs, delayed closings, appliance replacement, temporary housing overlap, moving surprises,s and income interruptions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Without that backup cushion, things might become a major financial setback.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read: <a href=\"https:\/\/trybeem.com\/blog\/wp-admin\/post.php?post=298603&amp;action=edit\" target=\"_blank\" rel=\"noreferrer noopener\">How to Build a 90-Day Money Plan That Actually Sticks<\/a>&nbsp;<\/p>\n\n\n\n<h2 id=\"common-mistakes-first-time-homebuyers-make\" class=\"wp-block-heading\">Common Mistakes First-Time Homebuyers Make<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most of us make mistakes, es and sometimes they show up again and again. Some are small, others can delay a purchase entirely.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here are a few worth avoiding:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Underestimating total home-buying costs<\/li>\n\n\n\n<li>Waiting too long to start saving<\/li>\n\n\n\n<li>Ignoring credit score improvement<\/li>\n\n\n\n<li>Taking on new debt before applying for a mortgage<\/li>\n\n\n\n<li>Forgetting about maintenance expenses<\/li>\n\n\n\n<li>Draining savings completely for the down payment<\/li>\n\n\n\n<li>Buying a house more than the budget comfortably supports<\/li>\n\n\n\n<li>Assuming homeownership is cheaper than renting in every situation<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Most of these mistakes aren&#8217;t caused by bad decisions; a lack of preparation causes them. The more you plan, the fewer surprises you&#8217;ll encounter.<\/p>\n\n\n\n<h2 id=\"final-thoughts-a-home-is-a-financial-journey-not-a-single-purchase\" class=\"wp-block-heading\">Final Thoughts: A Home Is a Financial Journey, Not a Single Purchase<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The people who successfully buy homes aren&#8217;t always the highest earners; they&#8217;re usually the people who stay consistent. They save regularly, improve their credit little by little, reduce debt, and make steady progress even when it feels slow.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Buying your first home in 24 months isn&#8217;t really about hitting one savings number; it&#8217;s about becoming financially ready for homeownership &#8211; that&#8217;s a process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re starting today, don&#8217;t worry about having everything figured out. Focus on the next step, then the step after that. Two years from now, you&#8217;ll be glad you started when you did, and you&#8217;ll probably be surprised by how much progress those small monthly actions created.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Having access to a reliable financial safety net like <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\">Beem Everdraft\u2122<\/a> can help you navigate temporary cash-flow challenges without unnecessary stress. <a href=\"https:\/\/apps.apple.com\/us\/app\/beem-better-than-cash-advance\/id1525101476\" target=\"_blank\" rel=\"noreferrer noopener\">Download the app here<\/a>.<\/p>\n\n\n\n<h2 id=\"fa-qs\" class=\"wp-block-heading\">FAQs: Money Plan for Buying Your First Home in 24 Months<\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1783613616915\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How much should I save before buying my first home?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>You should save enough to cover your down payment, closing costs, moving expenses, and an emergency fund. The exact amount depends on your local housing market and financial situation.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783613627567\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I buy a house in 24 months with no savings?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes. Many first-time buyers start with little or no savings. A clear money plan, consistent saving habits, and improved financial management can help you build the funds you need over two years.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783613635591\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What credit score do I need to buy a home?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Requirements vary by lender and loan program, but generally speaking, higher credit scores improve approval odds and help you qualify for better mortgage terms.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783613643183\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What costs are involved in buying a house?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>In addition to the down payment, buyers should plan for closing costs, inspections, moving expenses, repairs, insurance, taxes, furnishings, and emergency savings.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783613650951\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How do I save for a down payment faster?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Automate savings, reduce unnecessary spending, pay down high-interest debt, direct bonuses and tax refunds into savings, and increase contributions whenever your income grows.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying your first home is exciting, but it can also feel overwhelming. There are so many moving parts, like saving for a down payment, improving your credit, paying off debt, and figuring out mortgage options, that it&#8217;s easy to freeze before you even start. The good news is that you don&#8217;t need to have everything [&hellip;]<\/p>\n","protected":false},"author":35,"featured_media":278118,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2308],"tags":[4790,107,6793,168,191],"edited-by":[],"class_list":["post-300830","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spend","tag-beem","tag-financial-planning","tag-homebuyers","tag-money-matters","tag-personal-finance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/300830","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=300830"}],"version-history":[{"count":5,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/300830\/revisions"}],"predecessor-version":[{"id":300869,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/300830\/revisions\/300869"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/278118"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=300830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=300830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=300830"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=300830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}