{"id":105,"date":"2020-04-15T16:35:56","date_gmt":"2020-04-15T22:35:56","guid":{"rendered":"https:\/\/a0109a0e50.nxcli.io\/\/emergency-financial-budget-spreadsheet-covid19-money-advice\/"},"modified":"2021-06-28T11:18:09","modified_gmt":"2021-06-28T17:18:09","slug":"presupuesto-financiero-de-emergencia-hoja-de-calculo-covid19-consejos-sobre-dinero","status":"publish","type":"post","link":"https:\/\/www.savvyladies.org\/es\/education\/emergency-financial-budget-spreadsheet-covid19-money-advice\/","title":{"rendered":"Creaci\u00f3n de un plan de emergencia financiera en respuesta a COVID-19"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.9.4″ custom_margin=”0px||||false|false” custom_padding=”0px||||false|false”][et_pb_row _builder_version=”4.9.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”0px||||false|false” custom_padding=”0px||||false|false”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/www.savvyladies.org\/wp-content\/uploads\/2021\/04\/Creating-a-financial-emergency-plan-in-response-to-COVID-19.jpg” alt=”Creating a financial emergency plan in response to COVID-19″ title_text=”Creating a financial emergency plan in response to COVID-19″ align=”center” _builder_version=”4.9.4″ _module_preset=”default”][\/et_pb_image][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]<\/p>\n

Balancing and understanding how to be savvy about juggling your money is essential in today\u2019s climate when many businesses may be offering extensions to the monthly payments. Knowing what questions to ask, how to ask and confirming is going to be important and help you reserve your money today for the things you need first.<\/p>\n

Take a deep breath. Recognize that you are not alone, and that you have the power to transform your financial narrative and situation now. While you may initially be feeling overwhelmed, even paralyzed and before you allow the internal loop of worry and angst to take over. Take a deep breath again. And then, another. Give yourself the gift of saying, \u201cI got this, I am fearless\u201d. And know that it is ok to ask for help.<\/p>\n

[\/et_pb_text][et_pb_image src=”https:\/\/www.savvyladies.org\/wp-content\/uploads\/2020\/04\/Savvy-Ladies-Financial-Helpline.jpg” alt=”Savvy Ladies Financial Helpline” title_text=”Savvy Ladies Financial Helpline” url=”https:\/\/www.savvyladies.org\/free-financial-helpline\/” align=”center” _builder_version=”4.9.4″ _module_preset=”default”][\/et_pb_image][et_pb_text admin_label=”Create your COVID-19 Emergency budget ” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”50px||||false|false”]Create your COVID-19 Emergency budget [\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]Time to prioritize your spending, download the budget sheet below to list all your expenses. Now determine what expenses are absolute necessities and what you can live without. Maybe it\u2019s time to review your subscriptions services? What is the best strategy for using your Stimulus Check? Getting the total picture of your monthly expenses will help you understand just where you can cut back. You can download your own budgeting worksheet here<\/a>.[\/et_pb_text][et_pb_text admin_label=”Finding Your Balance Financially. Creditors are extending payment dates.” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”40px||||false|false”]Finding Your Balance Financially. Creditors are extending payment dates.[\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]You have the ability to transform your future by taking small steps today that will transform your financial well-being. Addressing your financial emergency is going to take courage. It may even require a level of tenacious stick-tuitiveness that you may have thought was reserved for the most assertive among us.<\/p>\n

The good news is that many of the creditors will be more than happy to extend your time to pay, or even strike deals with you so that payment is easier.<\/strong><\/p>\n

Here\u2019s how to get started.<\/strong><\/p>\n

    \n
  1. Put a list together of all your credit cards that have a balance due
    \nDocument the balance of each card and its Annual Percentage Rate (APR) (the % of interest you are charged for your credit card purchases which accumulates daily).<\/em><\/li>\n
  2. Visit the website for your credit card company
    \nThe company website is your first best option to get the most updated information about your account and any relief the company is offering its clients. If you have not already created an online account, this would be a good time to do so.<\/li>\n
  3. Most credit card issuers are allowing delayed payments and waiving penalty fees.
    \nHowever, pay close attention<\/strong>, most banks are continuing to charge interest on your balance.<\/li>\n
  4. Understand how much it will cost you to skip payments!<\/strong> Below is an easy Savvy Ladies Credit Card Interest Calculator<\/a> to determine how much your credit card balance is costing you each month.<\/li>\n<\/ol>\n

    This is the time to conserve cash if you are, or will eventually struggle to pay your bills. Putting off credit card payments for 30-90 days is a reasonable strategy to maintain your cash saving now. Click on the image below to download the calculator.[\/et_pb_text][et_pb_image src=”https:\/\/www.savvyladies.org\/wp-content\/uploads\/2020\/04\/Credit-Card-Finance-Charge-Calculator.jpg” alt=”Credit Card Finance Charge Calculator” title_text=”Credit Card Finance Charge Calculator” url=”https:\/\/www.savvyladies.org\/education\/credit-card-finance-charge-calculator\/” align=”center” _builder_version=”4.9.4″ _module_preset=”default”][\/et_pb_image][et_pb_text admin_label=”Utilities” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”50px||||false|false”]Utilities[\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]If you are having trouble paying your utilities, contact your utilities company. Many companies will not disconnect services during the pandemic and are also waiving late fees, but you need to call or check their website to see if they are doing this. Eventually, you\u2019ll need to pay your utilities bills so if you are able to pay what you can now, you\u2019ll avoid a larger bill down the road. You may also be able to set up a payment plan if you contact them.[\/et_pb_text][et_pb_text admin_label=”Student Loans” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”40px||||false|false”]Student Loans[\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]To provide relief to student loan borrowers during the COVID-19 national emergency, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payment. This suspension of payments will last until Sept. 30, 2020, but you can still make payments if you choose. Interest is being temporarily set at 0% on federal student loans through September 30, 2020. For more information, visit the Federal Student Aid website<\/a> for coronavirus information. [\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” text_font_size=”14px” text_line_height=”1.2em” text_orientation=”center”]Check out our webinar Financial Aid In The Days Of The Coronavirus Emergency<\/a> for more information.[\/et_pb_text][et_pb_text admin_label=”Your Retirement Accounts (401k, IRA)” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”40px||||false|false”]Your Retirement Accounts (401k, IRA)[\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]<\/p>\n

    Should you stop contributing to your retirement accounts during a volatile stock market? You\u2019ve heard the adage \u201cbuy low, sell high\u201d taking your money out of the market now is a panic strategy. You want to be ready to buy investments when they are on sale. Stay the course of your investment strategy and don\u2019t let emotions and fear guide your decision making. Conventional wisdom: your retirement accounts should be a last resort for borrowing.<\/p>\n

    However The CARES Act, does allows you to withdraw up to $100,000 from a retirement account (IRA, 401(k), etc.) as long as you can prove that you need the money because of the pandemic, without a 10% penalty even if you are not 59\u00bd years old.<\/p>\n

    You will still owe taxes on the withdrawal amount, but you can spread the tax bill over three years from the distribution date.<\/p>\n

    For example if you withdraw $30,000 and you are in the 24% tax bracket (30,000 x .24), you will owe $7,200 in taxes or $2400 per year for three years for taking your retirement funds as income. If you choose to repay yourself you\u2019ll have three years from the day after you took the distribution.<\/p>\n

    \"Budget<\/p>\n

    [\/et_pb_text][et_pb_text admin_label=”Insurance premiums ” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”50px||||false|false”]Insurance premiums [\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]As a result of the stay-at-home orders, several of the largest U.S. auto insurance companies have informed customers that they will give back a portion of premiums to policyholders because they have fewer accidents to cover. This will not likely come to you in the form of cash, but credit your premium payment going forward. Check your auto insurance company website to see what reductions you\u2019ll receive.[\/et_pb_text][et_pb_text admin_label=”Talk to your landlord now if you\u2019ve lost your income as a result of COVID-19″ _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”40px||||false|false”]Talk to your landlord now if you\u2019ve lost your income as a result of COVID-19[\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]According to CNBC approximately 10 million Americans filed for unemployment over the past two weeks. For renters, the CARES ACT and many states and cities have banned evictions during the COVID-19. New York, for example, has a 90 day eviction ban. While the eviction ban is helpful, the idea of not being able to pay your rent may seem unbearable. <\/p>\n

    For those of you that anticipate or are already struggling to pay your monthly rent, here are a few suggestions: <\/p>\n

    1. Make sure you communicate with your landlord and that you are transparent and honest about your economic issues. <\/p>\n

    2. If you have been furloughed or otherwise find yourself unemployed, be sure that you have proof of your unemployment to provide your landlord. The landlord will likely request documentation, be prepared to provide this information. Your landlord may also ask for a financial statement.<\/p>\n

    Continue reading here<\/a>.[\/et_pb_text][et_pb_text admin_label=”Employment Rights and COVID-19\ufeff” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”40px||||false|false”]Employment Rights and COVID-19\ufeff[\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]Your rights as an employee remain in effect, The Families First Coronavirus Response Act<\/a> (FFCRA) which went into effect on April 1, 2020 and will continue through December 31, 2020. <\/p>\n

    The Equal Employment Opportunity Commission (EEOC) continues to enforce the nation’s employment non-discrimination laws while ensuring that all of our activities are consistent with public health guidelines. [\/et_pb_text][et_pb_text admin_label=”Dominate Your Debt\u00ae Course offered by Savvy Ladies – Save your Spot!” _builder_version=”4.9.4″ _module_preset=”default” text_font=”Proxima Nova Alt Extrabold||||||||” text_font_size=”22px” text_line_height=”1.2em” custom_margin=”40px||||false|false”]Dominate Your Debt\u00ae Course offered by Savvy Ladies – Save your Spot![\/et_pb_text][et_pb_text _builder_version=”4.9.4″ _module_preset=”default”]The financial stress created by COVID-19 will affect most Americans, and disproportionately affect women. This June, Savvy Ladies will offer a free online course to help you tackle your debt and get back on track with your financial life. If you are interested, register here.<\/p>\n

    Is your debt a mindset or habit? What to do to pay off debt is not a secret: throw money at it until it’s gone. Dominate Your Debt\u00ae answers the trickier question \u2026..How do I take control of my debt, pay it off on my own terms, and still live my life?”[\/et_pb_text][et_pb_image src=”https:\/\/www.savvyladies.org\/wp-content\/uploads\/2020\/04\/DYD-book-cover.jpg” alt=”Dominate Your Debt” title_text=”Dominate Your Debt” align=”center” _builder_version=”4.9.4″ _module_preset=”default”][\/et_pb_image][et_pb_text _builder_version=”4.9.4″ _module_preset=”default” custom_margin=”50px||||false|false”]<\/p>\n

    This free on-line course will:<\/strong>
    Give you confidence to confront your debt<\/em>
    Understand debt, repayment plans, and collections<\/em>
    Provide Tools and resources you can use to tackle your debt<\/em><\/p>\n

    How do I take control of my debt, pay it off on my own terms, and still live my life? Save your spot in our free<\/strong> Dominate Your Debt\u00ae online course<\/a><\/p>\n

    Most Importantly<\/strong>, forgive yourself for your present financial picture. Release your shame story knowing that you are human and perfectly imperfect. Today is the first day of the rest of your financial life. As you navigate forward, and engage on the path to financial stability you may experience a range of emotions. Hold on for the roller-coaster, and remain seated for the long-game.<\/p>\n

    Interestingly, the shame of not being financially savvy can interfere with your ability to change your circumstance. If you are feeling embarrassed or anxious by your lack of knowledge, that is okay. Notice how you feel and then allow the feeling to pass through you. Holding onto fear is not going to serve you.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    Balancing and understanding how to be savvy about juggling your money is essential in today\u2019s climate when many businesses may be offering extensions to the monthly payments. Knowing what questions […]<\/p>\n","protected":false},"author":60,"featured_media":106,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"give_campaign_id":0,"_et_pb_use_builder":"on","_et_pb_old_content":"\r\n\r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n

    Balancing and understanding how to be savvy about juggling your money is essential in today\u2019s climate when many businesses may be offering extensions to the monthly payments.\u00a0 Knowing what questions to ask, how to ask and confirming is going to be important and help you reserve your money today for the things you need first.\u00a0\u00a0<\/p>

    Take a deep breath. Recognize that you are not alone, and that you have the power to transform your financial narrative and situation now. While you may initially be feeling overwhelmed, even paralyzed and before you allow the internal loop of worry and angst to take over.\u00a0 Take a deep breath again. And then, another. Give yourself the gift of saying, \u201cI got this, I am fearless\u201d. And know that it is ok to ask for help.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n\r\n \r\n \r\n \r\n\r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n

    Create your COVID-19 Emergency budget <\/strong><\/h2>

    Time to prioritize your spending, download the budget sheet below to list all your expenses. Now determine what expenses are absolute necessities and what you can live without. Maybe it\u2019s time to review your subscriptions services? What is the best strategy for using your Stimulus Check? Getting the total picture of your monthly expenses will help you understand just where you can cut back. You can download your own budgeting worksheet here<\/a>.<\/p>

    Finding Your Balance Financially.\u00a0 Creditors are extending payment dates.<\/strong><\/h2>

    You have the ability to transform your future by taking small steps today that will transform your financial well-being. Addressing\u00a0your financial emergency is going to take courage.\u00a0 It may even require a level of tenacious stick-tuitiveness that you may have thought was reserved for the most assertive among us.\u00a0<\/p>

    The good news is that many of the creditors will be more than happy to extend your time to pay, or even strike deals with you so that payment is easier.<\/strong>\u00a0<\/p>

    Here\u2019s how to get started.<\/strong> <\/p>

    1. Put a list together of all your credit cards that have a balance due<\/p>

      Document the balance of each card and its Annual Percentage Rate (APR) (the % of interest you are charged for your credit card purchases which accumulates daily).<\/em><\/p><\/li>

    2. Visit the website for your credit card company<\/p>

      The company website is your first best option to get the most updated information about your account and any relief the company is offering its clients. If you have not already created an online account, this would be a good time to do so.\u00a0 <\/p><\/li>

    3. Most credit card issuers are allowing delayed payments and waiving penalty fees.<\/p>

      However, pay close attention,<\/strong> most banks are continuing to charge interest on your balance. <\/p><\/li>

    4. Understand how much it will cost you to skip payments!<\/strong>\u00a0 Below is an easy Savvy Ladies Credit Card Interest Calculator<\/strong><\/a> to determine how much your credit card balance is costing you each month. <\/p><\/li><\/ol>

      This is the time to conserve cash if you are, or will eventually struggle to pay your bills. Putting off credit card payments for 30-90 days is a reasonable strategy to maintain your cash saving now. Click on the image below to download the calculator.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n\r\n \r\n \r\n \r\n\r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n


      Utilities<\/strong> <\/h2>

      If you are having trouble paying your utilities, contact your utilities company. Many companies will not disconnect services during the pandemic and are also waiving late fees, but you need to call or check their website to see if they are doing this. Eventually, you\u2019ll need to pay your utilities bills so if you are able to pay what you can now, you\u2019ll avoid a larger bill down the road. You may also be able to set up a payment plan if you contact them.<\/p>

      Student Loans<\/strong><\/h2>

      To provide relief to student loan borrowers during the COVID-19 national emergency, federal student loan borrowers are automatically being placed in an administrative forbearance, which allows you to temporarily stop making your monthly loan payment. This suspension of payments will last until Sept. 30, 2020, but you can still make payments if you choose. Interest is being temporarily set at 0% on federal student loans through September 30, 2020. For more information, visit the Federal Student Aid website<\/a> for coronavirus information.\u00a0\u00a0<\/p>

      Check out our webinar <\/em>Financial Aid In The Days Of The Coronavirus Emergency<\/a> for more information.<\/em><\/h3>

      Your Retirement Accounts (401k, IRA)<\/strong><\/h2>

      Should you stop contributing to your retirement accounts during a volatile stock market? You\u2019ve heard the adage \u201cbuy low, sell high\u201d taking your money out of the market now is a panic strategy.\u00a0 You want to be ready to buy investments when they are on sale.\u00a0\u00a0 Stay the course of your investment strategy and don\u2019t let emotions and fear guide your decision making.\u00a0 Conventional wisdom: your retirement accounts should be a last resort for borrowing.<\/p>

      However The CARES Act, does allows you to withdraw up to $100,000 from a retirement account (IRA, 401(k), etc.) as long as you can prove that you need the money because of the pandemic, without a 10% penalty even if you are not 59\u00bd years old. <\/p>

      You will still owe taxes on the withdrawal amount, but you can spread the tax bill over three years from the distribution date.<\/p>

      For example if you withdraw $30,000 and you are in the 24% tax bracket (30,000 x .24), you will owe $7,200 in taxes or $2400 per year for three years for taking your retirement funds as income. If you choose to repay yourself you\u2019ll have three years from the day after you took the distribution.<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n\r\n \r\n \r\n \r\n\r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n

      Insurance premiums <\/strong> <\/h2>

      As a result of the stay-at-home orders, several of the largest U.S. auto insurance companies have informed customers that they will give back a portion of premiums to policyholders because they have fewer accidents to cover. This will not likely come to you in the form of cash, but credit your premium payment going forward. Check your auto insurance company website to see what reductions you\u2019ll receive
      <\/p>

      Talk to your landlord now if you\u2019ve lost your income as a result of COVID-19<\/strong><\/h2>

      According to CNBC approximately 10 million Americans filed for unemployment over the past two weeks. For renters, the CARES ACT and many states and cities have banned evictions during the COVID-19. New York, for example, has a 90 day eviction ban. While the eviction ban is helpful,\u00a0the idea of not being able to pay your rent may seem unbearable. <\/p>

      For those of you that anticipate or are already struggling to pay your monthly rent, here are a few suggestions: <\/p>

      \u00a01.\u00a0Make sure you communicate with your landlord and that you are transparent and honest about your economic issues. <\/p>

      2. If you have been furloughed or otherwise find yourself unemployed, be sure that you have proof of your unemployment to provide your landlord. The landlord will likely request documentation, be prepared to provide this information. Your landlord may also ask for a financial statement.<\/p>

      Continue reading here<\/a>.<\/p>

      Employment Rights and COVID-19\ufeff<\/strong><\/h2>

      Your rights as an employee remain in effect, The Families First Coronavirus Response Act<\/a> (FFCRA) which went into effect on April 1, 2020 and will continue through December 31, 2020. <\/p>

      The Equal Employment Opportunity Commission (EEOC) continues to enforce the nation's employment non-discrimination laws while ensuring that all of our activities are consistent with public health guidelines. They have prepared a helpful guide to employment issues during a pandemic available here<\/a>. <\/p>

      Dominate Your Debt\u00ae Course offered by Savvy Ladies - Save your Spot!<\/strong><\/h2>

      The financial stress created by COVID-19 will affect most Americans, and disproportionately affect women. This June, Savvy Ladies will offer a free online course to help you tackle your debt and get back on track with your financial life. If you are interested, register here<\/a>.
      <\/em><\/strong>
      Is your debt a mindset or habit? What to do to pay off debt is not a secret: throw money at it until it's gone. Dominate Your Debt\u00ae answers the trickier question \u2026..How do I take control of my debt, pay it off on my own terms, and still live my life?\"<\/p>\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n \r\n\r\n \r\n \r\n \r\n\r\n \r\n\r\n \r\n \r\n \r\n \r\n \r\n\r\n \r\n \r\n \r\n \r\n

      This free on-line course will: <\/strong>
      Give you confidence to confront your debt<\/em>
      <\/em><\/strong>Understand debt, repayment plans, and collections
      Provide Tools and resources you can use to tackle your debt<\/em><\/p>

      How do I take control of my debt, pay it off on my own terms, and still live my life? Save your spot in our free <\/em><\/strong>Dominate Your Debt\u00ae online course<\/a><\/p>

      Most Importantly,<\/strong> forgive yourself for your present financial picture.\u00a0 Release your shame story knowing that you are human and perfectly imperfect.\u00a0 Today is the first day of the rest of your financial life. As you navigate forward, and engage on the path to financial stability you may experience a range of emotions.\u00a0 Hold on for the roller-coaster, and remain seated for the long-game.<\/p>

      Interestingly, the shame of not being financially savvy can interfere with your ability to change your circumstance.\u00a0 If you are feeling embarrassed or anxious by your lack of knowledge, that is okay. Notice how you feel and then allow the feeling to pass through you.\u00a0 Holding onto fear is not going to serve you. <\/p>","_et_gb_content_width":"","_price":"","_stock":"","_tribe_ticket_header":"","_tribe_default_ticket_provider":"","_tribe_ticket_capacity":"0","_ticket_start_date":"","_ticket_end_date":"","_tribe_ticket_show_description":"","_tribe_ticket_show_not_going":false,"_tribe_ticket_use_global_stock":"","_tribe_ticket_global_stock_level":"","_global_stock_mode":"","_global_stock_cap":"","_tribe_rsvp_for_event":"","_tribe_ticket_going_count":"","_tribe_ticket_not_going_count":"","_tribe_tickets_list":"[]","_tribe_ticket_has_attendee_info_fields":false,"footnotes":"","_tec_slr_enabled":"","_tec_slr_layout":""},"categories":[30,1,810],"tags":[42,75],"class_list":["post-105","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","category-blog","category-pandemic-crisis","tag-budgeting","tag-covid-19"],"acf":[],"ticketed":false,"_links":{"self":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts\/105","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/comments?post=105"}],"version-history":[{"count":0,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/posts\/105\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/media\/106"}],"wp:attachment":[{"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/media?parent=105"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/categories?post=105"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.savvyladies.org\/es\/wp-json\/wp\/v2\/tags?post=105"}],"curies":[{"name":"gracias","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}