{"id":396084,"date":"2022-01-19T13:04:00","date_gmt":"2022-01-19T10:04:00","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/"},"modified":"2022-01-19T13:04:00","modified_gmt":"2022-01-19T10:04:00","slug":"nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/","title":{"rendered":"#NerdWallet: Struggling? Here are 5 things you can do to fortify your finances."},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a37a559de47e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a37a559de47e\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#Cost_of_living_is_up_income_is_down%E2%80%94a_few_adjustments_here_and_there_can_help_boost_your_bank_account\" >Cost of living is up, income is down\u2014a few adjustments here and there can help boost your bank account.<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#1_Examine_your_spending\" >1. Examine your spending<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#2_Add_a_little_more_to_your_consumer_debt_payments\" >2. Add a little more to your consumer debt payments<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#Small_payment_increases_have_a_big_impact\" >Small payment increases have a big impact<\/a><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><ul class='ez-toc-list-level-6' ><li class='ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#3_Evaluate_your_investments\" >3. Evaluate your investments<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#4_Negotiate_medical_bills\" >4. Negotiate medical bills<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-6'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#5_Save_for_something\" >5. Save for something<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/buradabiliyorum.com\/en\/nerdwallet-struggling-here-are-5-things-you-can-do-to-fortify-your-finances\/#Erin_El_Issa\" >Erin El Issa<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&#8220;<strong>#NerdWallet: Struggling? Here are 5 things you can do to fortify your finances.<\/strong>&#8221;<\/p>\n<h2 class=\"article__subhead\" itemprop=\"alternativeHeadline\"><span class=\"ez-toc-section\" id=\"Cost_of_living_is_up_income_is_down%E2%80%94a_few_adjustments_here_and_there_can_help_boost_your_bank_account\"><\/span>\n  Cost of living is up, income is down\u2014a few adjustments here and there can help boost your bank account.<br \/>\n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/p>\n<div class=\"column column--full article__content\" role=\"region\" aria-label=\"article body\">\n<div class=\"article__side\">\n<div class=\"container--sticky not-active\">\n<div id=\"cx-next\" data-nosnippet>\n              <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" itemprop=\"articleBody\" data-sbid=\"WP-MKTW-0000554727\" role=\"document\">\n<div class=\"barrons-article-ad-wrapper\">\n<div data-track=\"barrons-article-ad-wrap\" class=\"barrons-article-ad sticky_item\">\n<div class=\"barrons-main-article-ad-target sticky_target body_ad\" aria-hidden=\"true\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div data-layout=\"\n                inline\" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetArticleReader\n              \n              inline\n  article__inset\n          article__inset--type-InsetArticleReader\n              article__inset--inline\n  \"><\/p>\n<div class=\"media-object-article-reader\">\n<div class=\"audioplayer\" data-sbid=\"WP-MKTW-0000554727\" role=\"region\" aria-label=\"Listen to Article\" tabindex=\"-1\" id=\"articlereader\" data-show-title=\"false\" data-theme=\"wsj-article-reader\" data-show-header=\"false\" data-show-subscribe=\"false\" data-ads-enabled=\"true\" data-save-publication=\"false\">\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>       <em>This <\/em><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/5-steps-to-strengthen-your-finances-in-2022?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=anne-stanleymarketwatch-com&amp;utm_content=1109759\" class=\"icon none\"><em>article<\/em><\/a><em> is reprinted by permission from <\/em><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/blog\/?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=anne-stanleymarketwatch-com\" class=\"icon none\"><em>NerdWallet<\/em><\/a><em>.\u00a0 <\/em><em>This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services, nor does it recommend\u00a0specific investments, including stocks, securities or cryptocurrencies.<\/em><\/p>\n<p> 2021 was a year of financial strain for many Americans: Household debt and the overall cost of living increased, while <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/social-mediaa\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Social Media\" target=\"_blank\" rel=\"noopener\">media<\/a>n household income decreased, according to NerdWallet\u2019s\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/blog\/average-credit-card-debt-household\/?utm_campaign=ct_prod&amp;utm_content=1109759&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=anne-stanleymarketwatch-com\" class=\"icon none\">annual household debt study<\/a>. In 2022, setting grand financial goals may not be realistic for every budget, but there are still smart steps you can take to shore up your finances.<\/p>\n<div class=\"paywall\">\n<h6><span class=\"ez-toc-section\" id=\"1_Examine_your_spending\"><\/span><strong>1. Examine your spending<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p> Household finances have changed drastically for many Americans over the past two years. Pandemic relief and stimulus programs \u2014 as well as the reduction of certain expenses due to pandemic restrictions, like commuting and <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/trip-and-travel\/\" data-internallinksmanager029f6b8e52c=\"10\" title=\"Trip &amp; Travel\" target=\"_blank\" rel=\"noopener\">travel<\/a> \u2014 may have added money to some budgets. On the other hand, according to NerdWallet\u2019s study, the overall cost of living has grown 7% over the past two years while median household income decreased 3% in the same span, putting the squeeze on many Americans.<\/p>\n<p>A new year is an ideal time to examine your budget. Don\u2019t have a budget? Start by pulling your bank and credit card statements for the past three months and adding up your spending in different categories \u2014 housing, food, utilities and so on \u2014 to see what an average month looks like for you. Knowing how much you\u2019re spending now is key to creating a realistic budget for the future. Without this step, you might assume you should budget, say, $300 a month for groceries, but if you\u2019re currently spending $600 a month at the supermarket, it\u2019s probably not realistic to cut your spending so quickly by so much.<\/p>\n<p>Once you\u2019ve built a budget, compare your expenses to your income to see how much room there is to progress toward financial goals like saving and investing. You can then determine whether you need to increase your income, decrease your expenses, or both. Based on your eligibility, you might also consider seeking out programs to help you make ends meet, like an\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/article\/loans\/student-loans\/income-driven-repayment-right?utm_campaign=ct_prod&amp;utm_content=1109759&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=anne-stanleymarketwatch-com\" class=\"icon none\">income-driven repayment plan<\/a>\u00a0for your student loans or the Supplemental Nutrition Assistance Program, or SNAP.<\/p>\n<p><strong>Also see:<\/strong> The No. 1 thing that can improve the retirement security of older workers<\/p>\n<h6><span class=\"ez-toc-section\" id=\"2_Add_a_little_more_to_your_consumer_debt_payments\"><\/span><strong>2. Add a little more to your consumer debt payments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Revolving household credit card debt \u2014 that is, credit card balances carried month to month \u2014 fell 14% over the 12 months that ended in September. But according to NerdWallet\u2019s study, some Americans leaned on their credit cards to get through the pandemic. One in 5 Americans (20%) say they increased their overall credit card debt during the pandemic. Almost the same proportion (18%) say they relied on credit cards to pay for necessities during this time, according to the survey conducted for NerdWallet by The Harris Poll.<\/p>\n<p>If you have a credit card balance and you don\u2019t feel like you\u2019re getting anywhere in paying it off, adding just a bit more to the monthly payment, if possible, can make a big difference.<\/p>\n<p>Say you have a credit card balance of $5,000 at 17% interest, and your minimum monthly payment is $75. If you paid only that much each month, it would take more than 17 years to erase the debt, and you\u2019d pay more than $10,400 in interest. But you could save thousands in interest charges and years of payments if you added $25, $50 or $75 to that monthly payment.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Small_payment_increases_have_a_big_impact\"><\/span><strong>Small payment increases have a big impact<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<table>\n<tbody>\n<tr class=\"data odd\">\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      <strong>Monthly payment<\/strong><\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      <strong>Interest costs<\/strong><\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      <strong>Years to payoff<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr class=\"data even\">\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $75<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $10,410<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      17.1<\/p>\n<\/td>\n<\/tr>\n<tr class=\"data odd\">\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $100<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $3,759<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      7.3<\/p>\n<\/td>\n<\/tr>\n<tr class=\"data even\">\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $125<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $2,431<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      5<\/p>\n<\/td>\n<\/tr>\n<tr class=\"data odd\">\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $150<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      $1,815<\/p>\n<\/td>\n<td align=\"\" valign=\"top\" colspan=\"1\">\n      3.8<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h6><span class=\"ez-toc-section\" id=\"3_Evaluate_your_investments\"><\/span><strong>3. Evaluate your investments<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Of Americans who have received pandemic relief since March 2020, 9% used at least some of that money to invest in cryptocurrency, according to the NerdWallet survey. This may be totally in line with your goals and risk tolerance, but take time to review your overall investment holdings. It\u2019s recommended that you\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/article\/investing\/diversification?utm_campaign=ct_prod&amp;utm_content=1109759&amp;utm_medium=wire&amp;utm_source=syndication&amp;utm_term=anne-stanleymarketwatch-com\" class=\"icon none\">diversify your investments<\/a>\u00a0to reduce risk and increase your potential for return over the long term.<\/p>\n<p><strong>Also on MarketWatch:<\/strong> People of color have been less likely than their white counterparts to get a COVID-19 vaccine \u2014 but this is gradually changing<\/p>\n<p>If you have a workplace retirement plan \u2014 like a 401(k) or 403(b) \u2014 participating in it can save you money on taxes in the short term and grow your nest egg in the long term. Consider investing your money there first \u2014 notably if your employer offers a match on your contributions. Otherwise, you\u2019re passing up a guaranteed return on your investment.<\/p>\n<h6><span class=\"ez-toc-section\" id=\"4_Negotiate_medical_bills\"><\/span><strong>4. Negotiate medical bills<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>Medical costs have risen by 31% in the past decade, according to the NerdWallet study. This is a staggering increase, especially when paired with a pandemic that resulted in overflowing hospitals. But\u00a0medical bills are negotiable, and there are options to break up or even reduce your costs.<\/p>\n<p><strong>Related:<\/strong> The pandemic has created a mountain of medical debt<\/p>\n<p>Many providers offer payment plans on medical bills. While you should inquire about associated fees or interest, this will probably be a cheaper option than using a credit card that charges interest. In addition, low-income patients may have access to hardship plans, which will break up your costs and potentially lower your overall bill. Ask your provider about these options.<\/p>\n<p>You can also try to negotiate your balance down or seek a medical bill advocate to do it for you. Whichever route you choose, avoid ignoring your bills entirely. If your medical provider sells your debt to a collection agency, you have 180 days to deal with this debt before the collection account shows up on your credit reports. At that point, this debt can hurt your credit scores, making other financial moves harder in the future.<\/p>\n<p><strong>Related<\/strong>: The \u2018No Surprises Act\u2019 banning surprise medical bills takes effect as COVID-19 hospitalizations rise<\/p>\n<h6><span class=\"ez-toc-section\" id=\"5_Save_for_something\"><\/span><strong>5. Save for something<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h6>\n<p>More than 2 in 5 Americans (43%) who have received pandemic relief since March 2020 say they saved at least some of this money \u2014 for emergencies, a home or something else \u2014 according to the NerdWallet survey. So regardless of how much you can save and what your specific goals are, everyone could benefit from saving something, whether it\u2019s $5 or $500 a month.<\/p>\n<p>Your goal may be an emergency fund to help you stay afloat the next time the unexpected h<a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>ens or a dream post-pandemic vacation paid in cash. But no matter what your ultimate goal is, regularly putting money aside gives you options, even if you choose to use the cash for something other than its intended purpose in the future.<\/p>\n<p><strong>More From NerdWallet<\/strong><\/p>\n<ul class=\"articleList\">\n<li>\n      <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/get-skills-not-bills-at-an-unpaid-internship?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=anne-stanleymarketwatch-com&amp;utm_content=1109759\" class=\"icon none\">Get Career Skills \u2014 Not Credit Card Bills \u2014 at an Unpaid Internship<\/a><\/p>\n<\/li>\n<li>\n      <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/best-credit-cards-of-2022-4-features-to-look-for?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=anne-stanleymarketwatch-com&amp;utm_content=1109759\" class=\"icon none\">Best Credit Cards of 2022: 4 Features to Look For<\/a><\/p>\n<\/li>\n<li>\n      <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.nerdwallet.com\/article\/credit-cards\/disability-and-credit-access-why-you-need-to-focus-on-your-score?utm_campaign=ct_prod&amp;utm_source=syndication&amp;utm_medium=wire&amp;utm_term=anne-stanleymarketwatch-com&amp;utm_content=1109759\" class=\"icon none\">For People With a Disability, Credit Is Key in a Crisis<\/a><\/p>\n<\/li>\n<\/ul>\n<p><em>Erin El Issa writes for NerdWallet. Email: erin@nerdwallet.com.<\/em><\/p><\/div>\n<\/div><\/div>\n<p><\/p>\n<div class=\"byline article__byline\">\n<p>    <span>By<\/span><\/p>\n<div class=\"author  hasMenu\" data-scrim='{\"type\":\"author\",\"header\":\"Erin El Issa\",\"subhead\":\"The Wall Street Journal\",\"list\":[]}' itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\">\n<h4 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"Erin_El_Issa\"><\/span>Erin El Issa<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/p><\/div>\n<\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">News<\/a> articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"http:\/\/www.marketwatch.com\/news\/story.asp?guid=%7B20C05575-04D4-B545-7876-E71991FD457A%7D&#038;siteid=rss&#038;rss=1\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;#NerdWallet: Struggling? Here are 5 things you can do to fortify your finances.&#8221; Cost of living is up, income is down\u2014a few adjustments here and there can help boost your bank account. This article is reprinted by permission from NerdWallet.\u00a0 This article provides information for educational purposes. NerdWallet does not offer advisory or brokerage services,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":396085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/images.mktw.net\/im-468460\/social","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-396084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/396084","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=396084"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/396084\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/396085"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=396084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=396084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=396084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}