{"id":192,"date":"2026-01-12T17:03:13","date_gmt":"2026-01-12T11:33:13","guid":{"rendered":"https:\/\/www.mera.money\/?p=192"},"modified":"2026-01-12T17:03:33","modified_gmt":"2026-01-12T11:33:33","slug":"debt-freedom-blueprint-indian-familys-5-step-strategy","status":"publish","type":"post","link":"https:\/\/www.mera.money\/index.php\/personal-finance-budgeting\/debt-freedom-blueprint-indian-familys-5-step-strategy\/","title":{"rendered":"Debt Freedom Blueprint: Indian Family&#8217;s 5-Step Strategy"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\n<p>From \u20b915 Lakh Debt to Freedom in 3 Years &#8211; A Real Indian Family&#8217;s Journey<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1408\" height=\"768\" src=\"https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_5aji9e5aji9e5aji.png\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Indian family celebrating debt freedom with broken chains and calculator showing zero debt balance\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_5aji9e5aji9e5aji.png 1408w, https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_5aji9e5aji9e5aji-300x164.png 300w, https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_5aji9e5aji9e5aji-1024x559.png 1024w, https:\/\/www.mera.money\/wp-content\/uploads\/2026\/01\/Gemini_Generated_Image_5aji9e5aji9e5aji-768x419.png 768w\" sizes=\"auto, (max-width: 1408px) 100vw, 1408px\" \/><\/figure>\n\n\n<p><strong>December 2022:<\/strong>\u00a0The Mehtas owed \u20b915.7 lakh &#8211; home loan \u20b912L, car loan \u20b93L, credit cards \u20b970k. Monthly EMIs: \u20b942,000. Stress level: Maximum.<\/p>\n\n\n\n<p><strong>December 2025:<\/strong>\u00a0Total debt: \u20b90. Monthly <a href=\"https:\/\/www.mera.money\/index.php\/tools-calculators\/\">EMI<\/a>: \u20b90. <a href=\"https:\/\/www.mera.money\/index.php\/personal-finance-budgeting\/building-your-financial-shock-absorber-how-to-save-6-months-of-expenses-in-india\/\">Emergency fund<\/a>: \u20b96 lakh. Stress level: Minimum.<\/p>\n\n\n\n<p>The difference? Not a lottery win. Not inheritance. A&nbsp;<strong>systematic 5-step strategy<\/strong>&nbsp;any <a href=\"https:\/\/www.mera.money\/index.php\/about-us\/\">Indian family<\/a> can follow.<\/p>\n\n\n\n<p>If your EMIs eat 40%+ of salary, if you juggle credit cards to pay bills, if debt discussions cause family fights &#8211; this blueprint is your roadmap to freedom.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 1: The Debt Reality Check &#8211; Calculate Your TRUE Situation<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Indian Debt Trap Formula:<\/strong><\/h3>\n\n\n\n<pre class=\"wp-block-preformatted\">Monthly EMI\/Income Ratio = (Total EMIs \u00f7 Take-home Salary) \u00d7 100\n\nSafe: &lt;30%\nDanger: 40-50%\nCritical: &gt;50% (You're one emergency from default)<\/pre>\n\n\n\n<p><strong>Your Homework (10 minutes):<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>List ALL debts with: Balance, Interest, EMI, Tenure<\/li>\n\n\n\n<li>Calculate total monthly EMI outflow<\/li>\n\n\n\n<li>Divide by your take-home salary<\/li>\n\n\n\n<li>Face the number honestly<\/li>\n<\/ol>\n\n\n\n<p><strong>Example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Salary: \u20b975,000<\/li>\n\n\n\n<li>Total EMIs: \u20b934,500<\/li>\n\n\n\n<li>Ratio: (34,500 \u00f7 75,000) \u00d7 100 =\u00a0<strong>46% (Danger Zone)<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 2: The 5-Step Freedom Framework<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 1: The Debt Freeze (Month 1)<\/strong><\/h3>\n\n\n\n<p><strong>Rule:<\/strong>&nbsp;NO new debt for 90 days.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cut up store cards<\/li>\n\n\n\n<li>Delete card from online shopping<\/li>\n\n\n\n<li>Use cash\/debit for essentials<\/li>\n\n\n\n<li>Communicate with family: &#8220;We&#8217;re on a 90-day mission&#8221;<\/li>\n<\/ul>\n\n\n\n<p><strong>Psychological Benefit:<\/strong>&nbsp;Breaking the debt-acquisition habit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 2: The EMI Optimization (Month 2)<\/strong><\/h3>\n\n\n\n<p><strong>A. Balance Transfers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.mera.money\/index.php\/investing-wealth-creation\/young-india-early-career\/credit-cards-in-india-smart-tool-or-debt-trap-the-truth-for-middle-class-families\/\">Credit card debt<\/a> > \u20b950,000? Transfer to lower-interest card<\/li>\n\n\n\n<li>Look for 0% balance transfer offers (6-12 months)<\/li>\n\n\n\n<li><strong>Caution:<\/strong>\u00a0Don&#8217;t use freed limit for more spending!<\/li>\n<\/ul>\n\n\n\n<p><strong>B. Loan Restructuring:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Home loan >5 years old? Check current rates vs yours<\/li>\n\n\n\n<li>Refinance if difference >0.5%<\/li>\n\n\n\n<li>Consider shifting to another bank<\/li>\n<\/ul>\n\n\n\n<p><strong>C. Tenure Extension (Temporary):<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Increase home loan tenure to reduce EMI<\/li>\n\n\n\n<li>Use the difference to pay higher-interest debts<\/li>\n\n\n\n<li><strong>Example:<\/strong>\u00a0\u20b940,000 EMI \u2192 \u20b935,000 (save \u20b95,000 for credit card)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 3: The Avalanche vs Snowball Debate<\/strong><\/h3>\n\n\n\n<p><strong>Avalanche Method (Mathematically Optimal):<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>List debts by interest rate (highest first)<\/li>\n\n\n\n<li>Pay minimum on all, extra on highest interest<\/li>\n\n\n\n<li>Saves more interest<\/li>\n<\/ol>\n\n\n\n<p><strong>Snowball Method (Psychologically Powerful):<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>List debts by balance (smallest first)<\/li>\n\n\n\n<li>Pay minimum on all, extra on smallest<\/li>\n\n\n\n<li>Quick wins build momentum<\/li>\n<\/ol>\n\n\n\n<p><strong>Indian Hybrid Approach:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Start with Snowball (2-3 small debts)<\/li>\n\n\n\n<li>Switch to Avalanche for large debts<\/li>\n\n\n\n<li>Why? Early motivation matters more than perfect math<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 4: The 50-30-20 Adjustment<\/strong><\/h3>\n\n\n\n<p><strong>Normal Budget:<\/strong>&nbsp;50% Needs, 30% Wants, 20% Savings<\/p>\n\n\n\n<p><strong>Debt Attack Budget:<\/strong>&nbsp;50% Needs, 20% Wants, 30% Debt Repayment<\/p>\n\n\n\n<p><strong>Where to find extra 10%:<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Eating out<\/strong>\u00a0\u20b95,000 \u2192 \u20b92,500 (save \u20b92,500)<\/li>\n\n\n\n<li><strong>Entertainment<\/strong>\u00a0\u20b93,000 \u2192 \u20b91,500 (save \u20b91,500)<\/li>\n\n\n\n<li><strong>Shopping<\/strong>\u00a0\u20b94,000 \u2192 \u20b92,000 (save \u20b92,000)<\/li>\n\n\n\n<li><strong>Miscellaneous<\/strong>\u00a0\u20b93,000 \u2192 \u20b91,500 (save \u20b91,500)<br><strong>Total Monthly:<\/strong>\u00a0\u20b97,500 extra for debt<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Step 5: The Income Boost<\/strong><\/h3>\n\n\n\n<p><strong>Side Hustle Rule:<\/strong>&nbsp;100% of side income goes to debt.<\/p>\n\n\n\n<p><strong>Realistic Indian Options:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Weekend tuition: \u20b98,000-\u20b915,000\/month<\/li>\n\n\n\n<li>Freelance projects: \u20b910,000-\u20b925,000\/month<\/li>\n\n\n\n<li>Online consulting: \u20b95,000-\u20b920,000\/month<\/li>\n\n\n\n<li>Part-time work: \u20b915,000-\u20b930,000\/month<\/li>\n<\/ul>\n\n\n\n<p><strong>The Math:<\/strong>&nbsp;\u20b915,000 side income \u00d7 24 months = \u20b93.6 lakh debt reduction.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 3: The Indian Case Study &#8211; \u20b915.7L to \u20b90 in 36 Months<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Mehta Family (Names Changed):<\/strong><\/h3>\n\n\n\n<p><strong>Starting Point (Jan 2023):<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Home Loan: \u20b912L @8.5% (EMI: \u20b928,500)<\/li>\n\n\n\n<li>Car Loan: \u20b93L @10.5% (EMI: \u20b99,500)<\/li>\n\n\n\n<li>Credit Cards: \u20b970k @36% (Min due: \u20b94,000)<br><strong>Total EMI:<\/strong>\u00a0\u20b942,000 (56% of \u20b975,000 salary)<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Their 5-Step Execution:<\/strong><\/h3>\n\n\n\n<p><strong>Month 1-3: Foundation<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Transferred credit card to 0% offer card<\/li>\n\n\n\n<li>Cut discretionary spending by 40%<\/li>\n\n\n\n<li>Started weekend tuition (\u20b912,000\/month)<\/li>\n\n\n\n<li>Created visual debt tracker on fridge<\/li>\n<\/ul>\n\n\n\n<p><strong>Month 4-12: Attack Phase<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Paid off credit card completely (Month 5)<\/li>\n\n\n\n<li>Refinanced car loan (10.5% \u2192 9%)<\/li>\n\n\n\n<li>Increased home loan EMI by \u20b93,000<\/li>\n\n\n\n<li>Side income to \u20b918,000\/month<\/li>\n<\/ul>\n\n\n\n<p><strong>Month 13-24: Momentum<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Car loan closed (Month 18)<\/li>\n\n\n\n<li>Celebrated with debt-free car trip<\/li>\n\n\n\n<li>Increased home loan prepayment<\/li>\n\n\n\n<li>Built \u20b92 lakh emergency fund<\/li>\n<\/ul>\n\n\n\n<p><strong>Month 25-36: Final Push<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Home loan closed (Month 35)<\/li>\n\n\n\n<li>Total interest saved: \u20b94.2 lakh<\/li>\n\n\n\n<li>Debt freedom party with close family<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 4: Special Indian Scenarios<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Scenario 1: Multiple Credit Card Debt<\/strong><\/h3>\n\n\n\n<p><strong>Strategy:<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Stop using ALL cards immediately<\/li>\n\n\n\n<li>Negotiate with banks for lower interest<\/li>\n\n\n\n<li>Consolidate into personal loan if rate &lt;15%<\/li>\n\n\n\n<li>Use balance transfer offers strategically<\/li>\n<\/ol>\n\n\n\n<p><strong>Negotiation Script:<\/strong>&nbsp;&#8220;I want to pay but struggling. Can you reduce interest or waive charges? Otherwise I might default.&#8221;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Scenario 2: Home Loan + Other Debts<\/strong><\/h3>\n\n\n\n<p><strong>Priority Order:<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Credit card debt (36-49% interest)<\/li>\n\n\n\n<li>Personal loan (10-18% interest)<\/li>\n\n\n\n<li>Car loan (8-12% interest)<\/li>\n\n\n\n<li>Home loan (8-10% interest)<\/li>\n<\/ol>\n\n\n\n<p><strong>Why home loan last?<\/strong>&nbsp;Lowest interest, tax benefits continue.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Scenario 3: Business Debt Personal Guarantee<\/strong><\/h3>\n\n\n\n<p><strong>Critical:<\/strong>&nbsp;Separate business and personal finances immediately.<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Open separate business account<\/li>\n\n\n\n<li>Document all business expenses properly<\/li>\n\n\n\n<li>Consider business debt restructuring<\/li>\n\n\n\n<li>Personal assets protection planning<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 5: The Emotional &amp; Family Aspect<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>The Weekly Money Meeting:<\/strong><\/h3>\n\n\n\n<p><strong>Every Sunday, 30 minutes:<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Review progress (use visual tracker)<\/li>\n\n\n\n<li>Celebrate small wins (debt reduced by \u20b910,000? Small treat!)<\/li>\n\n\n\n<li>Discuss challenges openly<\/li>\n\n\n\n<li>Plan next week&#8217;s spending<\/li>\n<\/ol>\n\n\n\n<p><strong>Sample Tracker:<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-preformatted\">Jan 2026: Debt: \u20b912,45,000\nFeb 2026: Debt: \u20b911,90,000 \u2713 Reduced \u20b955,000!\nMar 2026: Debt: \u20b911,20,000 \u2713 Reduced \u20b970,000!<\/pre>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Handling Social Pressure:<\/strong><\/h3>\n\n\n\n<p><strong>Indian weddings\/festivals during debt repayment:<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Be honest:<\/strong>\u00a0&#8220;We&#8217;re on a debt freedom mission this year&#8221;<\/li>\n\n\n\n<li><strong>Set boundaries:<\/strong>\u00a0&#8220;We can contribute \u20b9X, not \u20b9Y&#8221;<\/li>\n\n\n\n<li><strong>Alternative gifting:<\/strong>\u00a0Homemade gifts, time instead of money<\/li>\n\n\n\n<li><strong>Remember:<\/strong>\u00a0True relationships understand financial responsibility<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 6: When to Seek Professional Help<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Red Flags (Get Help If):<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>Using new loans to pay old loans<\/li>\n\n\n\n<li>Missing EMI payments regularly<\/li>\n\n\n\n<li>Hiding debt from spouse<\/li>\n\n\n\n<li>Debt causing health issues<\/li>\n\n\n\n<li>Legal notices received<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Professional Options in India:<\/strong><\/h3>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Credit Counselling:<\/strong>\u00a0Non-profit organizations<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.mera.money\/index.php\/personal-finance-budgeting\/how-to-improve-your-cibil-score-from-600-to-750-in-6-months\/\">Debt Management<\/a> Companies:<\/strong>\u00a0Check RBI registration<\/li>\n\n\n\n<li><strong>Legal Help:<\/strong>\u00a0For severe cases, loan restructuring<\/li>\n\n\n\n<li><strong>CA\/Financial Planner:<\/strong>\u00a0For business debt situations<\/li>\n<\/ol>\n\n\n\n<p><strong>Avoid:<\/strong>&nbsp;&#8220;Debt settlement&#8221; companies charging upfront fees. Legitimate help doesn&#8217;t ask for money first.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Part 7: Your 90-Day Debt Freedom Launch Plan<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Week 1-2: Assessment &amp; Planning<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete debt inventory<\/li>\n\n\n\n<li>Calculate debt-to-income ratio<\/li>\n\n\n\n<li>Choose snowball or avalanche method<\/li>\n\n\n\n<li>Family meeting to commit<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Week 3-4: Optimization<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Balance transfers if applicable<\/li>\n\n\n\n<li>Expense reduction plan<\/li>\n\n\n\n<li>Side income brainstorming<\/li>\n\n\n\n<li>Create visual tracker<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 2: Execution<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First extra payment made<\/li>\n\n\n\n<li>Side hustle launched<\/li>\n\n\n\n<li>First milestone celebration<\/li>\n\n\n\n<li>Adjust plan as needed<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Month 3: System Building<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Habits solidified<\/li>\n\n\n\n<li>Progress reviewed<\/li>\n\n\n\n<li>Next 3 months planned<\/li>\n\n\n\n<li>Emergency fund started<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>Join &#8220;Indian Debt Freedom Warriors&#8221; community<\/strong>&nbsp;&#8211; Share progress, get motivation, find accountability partners!<\/p>\n\n\n\n<p><strong>Share your debt freedom story anonymously<\/strong>&nbsp;&#8211; Your journey inspires others! \ud83d\udc47<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Important Disclaimer:<\/strong><\/h3>\n\n\n\n<p><em>This is educational content. For severe debt situations, consult certified credit counsellors or financial advisors. Debt restructuring has credit score implications. Individual results may vary.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>From \u20b915 Lakh Debt to Freedom in 3 Years &#8211; A Real Indian Family&#8217;s Journey December 2022:\u00a0The Mehtas owed \u20b915.7 lakh &#8211; home loan \u20b912L, car loan \u20b93L, credit cards \u20b970k. Monthly EMIs: \u20b942,000. Stress level: Maximum. December 2025:\u00a0Total debt: \u20b90. Monthly EMI: \u20b90. Emergency fund: \u20b96 lakh. Stress level: Minimum. The difference? Not a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":193,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"slim_seo":{"description":"Get out of debt with 5-step Indian strategy. Reduce EMIs, save on interest, achieve financial freedom faster. Free calculator included.","title":"Debt Freedom Blueprint: Indian Family's 5-Step Strategy - Mera Money"},"footnotes":""},"categories":[16],"tags":[154,271,275,272,273],"class_list":["post-192","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance-budgeting","tag-credit-card-debt","tag-debt-management-india","tag-debt-snowball-method","tag-emi-repayment-strategy","tag-loan-consolidation"],"_links":{"self":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts\/192","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/comments?post=192"}],"version-history":[{"count":1,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts\/192\/revisions"}],"predecessor-version":[{"id":194,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/posts\/192\/revisions\/194"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/media\/193"}],"wp:attachment":[{"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/media?parent=192"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/categories?post=192"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mera.money\/index.php\/wp-json\/wp\/v2\/tags?post=192"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}