{"id":2983,"date":"2021-03-20T00:25:19","date_gmt":"2021-03-20T00:25:19","guid":{"rendered":"https:\/\/kobotalk.com\/?p=2983"},"modified":"2024-12-17T16:15:59","modified_gmt":"2024-12-17T16:15:59","slug":"personal-loan-how-to-avoid-getting-into-the-debt-trap","status":"publish","type":"post","link":"https:\/\/kobotalk.com\/BLOG\/personal-loan-how-to-avoid-getting-into-the-debt-trap\/","title":{"rendered":"Taking A Personal Loan? Here’s How to Avoid Getting Into the Debt Trap"},"content":{"rendered":"Reading Time: <\/span> 6<\/span> minutes<\/span><\/span>
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Nowadays, it’s so easy to access unsecured personal loan.\u00a0 \u00a0The many loan apps and websites around make it possible for people to obtain loans without the usual collateral requirements of regular commercial banks\/financial institutions.\u00a0<\/p>\n

All they need is the borrower’s Bank Verification Number (BVN).\u00a0<\/p>\n

Here are some of the apps and websites where you can get quick loans without collateral<\/a><\/em><\/p>\n

And you can get as little amount as 10,000 and as much as 5,000,000.\u00a0 Hence, there’s an increasing number of people besieging these platforms.<\/p>\n

But paying back loans is not as easy.\u00a0 As a result, some borrowers resort to borrowing from one lender to pay another.\u00a0 Soon, it becomes impossible for the borrower to service all these loans and still meet his basic family needs.<\/p>\n

He gets into the debt trap.\u00a0 Being trapped in debt can be traumatic.<\/p>\n

Someone had to come to a social media group to share his frustration:\u00a0\u00a0<\/p>\n

\n

I need your advice everyone. I have a debt of over 300k . <\/em><\/p>\n

I am owing people, bank and owing other loan apps, 9 credit, <\/em><\/p>\n

quick check, okash, kash kash, fair money and aella. All these loan <\/em><\/p>\n

apps will be due this week and they will start embarrassing me. <\/em><\/p>\n

I am tired of using debt to pay debt. don\u2019t know how to survive again.<\/em><\/p>\n<\/blockquote>\n

This individual is not alone in this state of quagmire.\u00a0 Some are trapped without even knowing so. They only realize the mess they are in when their creditors start knocking on their doors.<\/p>\n

Why People Gets into the Debt Trap<\/h2>\n

Taking a loan is not bad in itself.\u00a0 Almost every one at a point needs to take a personal loan to meet emergency expenses,\u00a0 buy needed domestic appliances, pay off mortgage and finance vacations amongst other things.<\/p>\n

However, the problem arises when one is unable to pay back on due date.\u00a0 Several reasons can account for this and if properly handled can be easily resolved.<\/p>\n

Unfortunately for many people situations like these often trap them into debt.\u00a0 Here’re a few reasons why one harmless personal loan can lead to a debt trap.<\/p>\n

#1. Borrowing above your earning capacity<\/h2>\n

A lot of people are tempted to borrow above their earnings.\u00a0 If you are a salary earner, your income is fixed. Unfortunately your expenses are not. So it could be tempting to borrow more than what you earn to meet outstanding obligations.<\/p>\n

But that’s how your problems begin.<\/p>\n

As a rule, cash outflow in terms of monthly repayment must not more than 40% of your monthly earnings.\u00a0 This is to say that what you pay out as loan repayment, including principal and interest must not be more that 40% of what you earn in a month.\u00a0 That way you have 60% of your salary to spend on other things.<\/p>\n

When you use a larger proportion of your earning to meet your monthly personal loan obligations, it becomes difficult for you to survive the month on what is left.\u00a0 You will have to recourse to borrowing more to survive and then the cycle sets in.<\/p>\n

#2. Borrowing to meet discretionary need<\/h2>\n

I have seen a lot of people acquiring assets or purchasing items that they really don’t need.\u00a0 This is called discretionary spending.\u00a0 Money you spend on what is not necessary.\u00a0\u00a0<\/p>\n

What is discretionary will vary from one person to another depending on their present circumstances.\u00a0 A<\/p>\n

The most unfortunate thing anyone can do to himself is to borrow money to spend on discretionary needs.\u00a0 Similar to this is borrowing money to finance consumption<\/a>.\u00a0 \u00a0Borrowing this way is usually a source of money troubles to so many people.<\/p>\n

The right way to borrow is to use the borrowed fund to finance income yielding assets.\u00a0 That way, the income from the assets pays back monthly loan rental and reduces pressure on your earnings.<\/p>\n

#3. Wrong use of Credit Card<\/h2>\n

The use of credit cards offers many advantages.\u00a0 When you use credit cards consistently to make purchases instead of your debit card, you gradually build your credit history.<\/p>\n

However, bad use of credit cards is one of the easiest ways of falling into debt.\u00a0 Bad\u00a0 credit habits will impair an individual credit score and cause him financial troubles.<\/p>\n

Some of the bad use of credit cards to avoid include:<\/p>\n

-obtaining multiple credit cards.\u00a0 Some have 2, 3, or even 10 credit cards.<\/p>\n

-paying back late,\u00a0<\/p>\n

-using your credit card for all kinds of purchases,<\/p>\n

-deliberately exceeding your credit limit,<\/p>\n

-transferring balances, amongst others.<\/p>\n

#4. Borrowing a fresh loan to repay an existing one<\/h2>\n

This is a sure step to getting trapped.<\/p>\n

Most people are tempted to borrow a new loan, possibly from another source to repay an over due loan.\u00a0 Some time with a longer spread of what they may consider to be a more friendly term.\u00a0 It is called Debt Consolidation.<\/p>\n

Finance experts may argue that consolidating loans makes it easier for the borrower to manage since he will be dealing with one creditor.\u00a0 But it really does not solve the debt problem.\u00a0\u00a0<\/p>\n

Consolidating loans will most of the times requires that the borrower provides a collateral.\u00a0 This may be a house, a car, stocks or other financial instruments that you own.\u00a0 If the debtor fails to perform according to term, he loses his asset.<\/p>\n

The borrower may also have to pay higher interest rate.\u00a0 And most times, the comfort the borrower think he has with the extension of time is unfortunately, illusionary.<\/p>\n

So what solves your debt problem is good money habits.<\/p>\n

#5. Spending Money You are yet to earn<\/p>\n

This is very bad money habit anyone can have.\u00a0 And many do have them, especially professional people in employment.\u00a0\u00a0<\/p>\n

How often do you buy things on credit based on that bonus that you will be paid at the end of the year.\u00a0 Or that utility allowance that is due in three month’s time.<\/p>\n

When the money eventually comes you discover that it cannot meet your current needs. Then you have to borrow and move deeper into the debt lane.<\/p>\n

If you want to avoid the debt trap, stop counting your chicken before they are hatched.<\/p>\n

Personal Loan: How Not to Get Into the Debt Trap<\/h3>\n

Like I said earlier, taking out a loan can help you accomplish many things.\u00a0 As a matter of fact it is an essential part of personal and business finance.\u00a0\u00a0<\/p>\n

But loans must be properly managed, else you get into the debt trap.<\/p>\n

Here are strategies you can use to avoid the debt trap even as you take loans to meet your important needs.<\/p>\n

#1. Discipline<\/h3>\n

In my discussions with clients who are in this situation I found that majority of them get into debt due to lack of discipline.\u00a0 The fact that there are a number of apps and websites that give you access to unsecured loans, does not mean you should go on a binge.<\/p>\n

Access these loan apps and websites only when it is necessary.\u00a0 I have seen people go to different apps to access the minimum they can offer just for the fun of it.<\/p>\n

But loans must be paid and when the time comes for them to pay they realize that there other things they need their money for.\u00a0 Gradually these little little amount loans accumulate, become over due.\u00a0\u00a0<\/p>\n

#2. Don’t Buy What You Cannot Afford<\/h3>\n

It is normal to crave for all the good things of life.\u00a0 But it is healthier if you spend within the limit of your income.\u00a0 Borrowing money to acquire assets or finance a life style far above your means, is courting a personal disaster.<\/p>\n

Some body took a personal loan from his company to send his girl friend on a vacation.\u00a0 Another borrowed from one of the unsecured loan apps to fund his a birthday bash.\u00a0 If these are not unhealthy borrowing, show me what is.<\/p>\n

It’s even more so with people who use credit cards.\u00a0 Credit cards create money illusion. It gives you a false confidence that you can spend the money you don’t have.\u00a0\u00a0<\/p>\n

Truth is that if you can’t pay for something you need, you really can’t afford it.\u00a0 Don’t borrow to pay for what you can’t afford. Focusing on your needs is one sure way of avoiding unnecessary spending.\u00a0<\/p>\n

#3. Pay Off One Loan Before You Take Another<\/h3>\n

You get into the debt trap the moment you start borrowing from one source to pay another.\u00a0 Be it a non-interest loan from friends or family, unsecured personal loan, car loan, mortgage loan.\u00a0 As much as you can, try to pay off one before embarking on another.<\/p>\n

Only you can stop the cycle of crisis. If you use credit card, pay it off as you go!<\/p>\n

#4. Have a budget<\/h3>\n

Budgeting helps you plan your spending.\u00a0 A budget also help you maintain a level of discipline.\u00a0 If you make a budget and, most importantly, stick to it. you will not likely spend unnecessarily.\u00a0 Whatever you can’t afford now, postpone it, plan for it.\u00a0\u00a0<\/p>\n

#5. Create Multiple Sources of Income<\/h3>\n

One most important reason why most people resort to borrowing is that they don’t earn enough.\u00a0 The reality with most salaried people is that they are broke before the next pay day.\u00a0 Their earnings are not enough relative to their needs.<\/p>\n

So it is natural to borrow in order to be able to meet their ever growing needs.\u00a0 Trimming your expenses, budgeting, sticking to a spending plan and all other strategies can only go so far.<\/p>\n

Creating multiple sources of income is your answer to being broke before pay day.\u00a0 When you have more than one source of income, you discover that your salary will mostly go to saving and is available to meet major financial needs.\u00a0<\/p>\n

What you earn from other sources, you use to meet your recurring expenses.\u00a0 Fortunately, it is so easy these days to develop multiple income sources.\u00a0 The internet throws up enormous opportunities at us.\u00a0\u00a0<\/p>\n

Set up a side business,<\/a> develop a high income skill<\/a> and offer valuable services as a side hustle<\/a>, become a freelancer.\u00a0 There are so many things out there that you can do on your spare time to make more money.\u00a0 Do it, rather than always running to the loan apps for help.<\/p>\n

Final Words<\/strong><\/p>\n

Borrowing is part of our daily lives. But some do it irresponsibly and therefore create for themselves, personal financial crisis.\u00a0 A borrower is always a slave to the creditor, a sayings goes.\u00a0 However, responsible borrowing can be healthy and helpful.\u00a0<\/p>\n

To avoid embarrassing moments where creditors are using all means necessary to harass your life, stay within your limits, inculcate discipline behaviours and cultivate positive money habits.<\/p>\n

Know that borrowing is not fund.\u00a0 It is a serious business.<\/p>\n","protected":false},"excerpt":{"rendered":"

Reading Time: <\/span> 6<\/span> minutes<\/span><\/span>Nowadays, it’s so easy to access unsecured personal loan.\u00a0 \u00a0The many loan apps and websites around make it possible for people to obtain loans without the usual collateral requirements of regular commercial banks\/financial institutions.\u00a0 All they need is the borrower’s…<\/p>\n","protected":false},"author":1,"featured_media":3102,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[189,40],"class_list":["post-2983","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money-talk","tag-consumer-loan","tag-personal-finance"],"a3_pvc":{"activated":true,"total_views":258,"today_views":0},"yoast_head":"\nTaking A Personal Loan? 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In this post, we highlight some of the popular loan apps in Nigeria\u2026","rel":"","context":"In "Money Talk"","block_context":{"text":"Money Talk","link":"https:\/\/kobotalk.com\/BLOG\/category\/money-talk\/"},"img":{"alt_text":"Quick Loan Without Collateral","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/03\/loan-without-collateral.jpg?fit=942%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/03\/loan-without-collateral.jpg?fit=942%2C628&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/03\/loan-without-collateral.jpg?fit=942%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2019\/03\/loan-without-collateral.jpg?fit=942%2C628&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":4767,"url":"https:\/\/kobotalk.com\/BLOG\/how-personal-loans-can-be-your-highway-to-debt-trap\/","url_meta":{"origin":2983,"position":1},"title":"How Personal Loans Can Be Your Highway to Debt Trap","author":"Buchi","date":"March 7, 2023","format":false,"excerpt":"Nowadays, it's so easy to access unsecured personal loans.\u00a0 \u00a0The many loan apps and websites around make it possible for people to obtain loans without the usual collateral requirements of regular commercial banks\/financial institutions. All they need is the borrower's Bank Verification Number (BVN). Here are some of the apps\u2026","rel":"","context":"In "Money Talk"","block_context":{"text":"Money Talk","link":"https:\/\/kobotalk.com\/BLOG\/category\/money-talk\/"},"img":{"alt_text":"Personal Loans","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/pexels-nicola-barts-7926692-1-scaled.jpg?fit=1200%2C800&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/pexels-nicola-barts-7926692-1-scaled.jpg?fit=1200%2C800&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/pexels-nicola-barts-7926692-1-scaled.jpg?fit=1200%2C800&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/pexels-nicola-barts-7926692-1-scaled.jpg?fit=1200%2C800&ssl=1&resize=700%2C400 2x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/pexels-nicola-barts-7926692-1-scaled.jpg?fit=1200%2C800&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":2196,"url":"https:\/\/kobotalk.com\/BLOG\/unsecured-business-loans\/","url_meta":{"origin":2983,"position":2},"title":"How COVID-19 Is Threatening the Unsecured Business Loans Sector","author":"Buchi","date":"June 13, 2020","format":false,"excerpt":"Challenges of the rampaging Covid-19 may force financial firms operating in the Unsecured Business Loans space out business soon; this writer observes. Often, our dreams are bigger than our bank accounts. You might want to start a pizza shop downtown. Or, you might have your eye on that 2,000 square\u2026","rel":"","context":"In "Business Ideas"","block_context":{"text":"Business Ideas","link":"https:\/\/kobotalk.com\/BLOG\/category\/business-ideas\/"},"img":{"alt_text":"Unsecured Business Loans","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/06\/unsecured-loans.jpg?fit=924%2C616&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/06\/unsecured-loans.jpg?fit=924%2C616&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/06\/unsecured-loans.jpg?fit=924%2C616&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2020\/06\/unsecured-loans.jpg?fit=924%2C616&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":122,"url":"https:\/\/kobotalk.com\/BLOG\/business-loan-2\/","url_meta":{"origin":2983,"position":3},"title":"6 Reasons Your Bank Would Not Give You That Business Loan","author":"Buchi","date":"August 29, 2017","format":false,"excerpt":"Have you ever tried to get a business loan from your bank?\u00a0 What was your experience like?\u00a0 Most small business owners I ask these questions give depressing answers: frustrating, nightmarish, not very palatable. Their frustration usually begins from the complex application process to the stringent conditions the banks would require\u2026","rel":"","context":"In "Grow Your Business"","block_context":{"text":"Grow Your Business","link":"https:\/\/kobotalk.com\/BLOG\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/08\/Business-loan.png?fit=960%2C720&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/08\/Business-loan.png?fit=960%2C720&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/08\/Business-loan.png?fit=960%2C720&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/08\/Business-loan.png?fit=960%2C720&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":4762,"url":"https:\/\/kobotalk.com\/BLOG\/7-strategies-to-avoid-debt-trap\/","url_meta":{"origin":2983,"position":4},"title":"7 Strategies to Avoid Debt","author":"Buchi","date":"March 6, 2023","format":false,"excerpt":"Managing your finances can be challenging, especially when it comes to debt. Debt can be a useful tool when used correctly, such as investing in a home or education. However, debt can quickly spiral out of control and lead to financial hardship. That's why it's important to manage debt wisely\u2026","rel":"","context":"In "Money Talk"","block_context":{"text":"Money Talk","link":"https:\/\/kobotalk.com\/BLOG\/category\/money-talk\/"},"img":{"alt_text":"Reasons You Should Start Investing","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/bad-debt.jpeg?fit=1125%2C750&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/bad-debt.jpeg?fit=1125%2C750&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/bad-debt.jpeg?fit=1125%2C750&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/bad-debt.jpeg?fit=1125%2C750&ssl=1&resize=700%2C400 2x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2023\/03\/bad-debt.jpeg?fit=1125%2C750&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":148,"url":"https:\/\/kobotalk.com\/BLOG\/20-public-sources-of-finance-for-your-business-you-can-access-now\/","url_meta":{"origin":2983,"position":5},"title":"How to Access Intervention Funds to Grow Your Businss","author":"Buchi","date":"September 1, 2017","format":false,"excerpt":"Did you know that there are intervention funds set up by the government to help SME's finance there businesses? Why am I discussing it in this post? Available data shows that 8 out of 10 new small businesses do not survive beyond the first 18 months after they started.\u00a0 That\u2026","rel":"","context":"In "Grow Your Business"","block_context":{"text":"Grow Your Business","link":"https:\/\/kobotalk.com\/BLOG\/category\/business\/"},"img":{"alt_text":"","src":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/09\/funding.jpg?fit=942%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/09\/funding.jpg?fit=942%2C628&ssl=1&resize=350%2C200 1x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/09\/funding.jpg?fit=942%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/cdn.shortpixel.ai\/spai\/q_lossy+ret_img+to_webp\/i0.wp.com\/kobotalk.com\/BLOG\/wp-content\/uploads\/2017\/09\/funding.jpg?fit=942%2C628&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/p96205-M7","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/2983","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/comments?post=2983"}],"version-history":[{"count":5,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/2983\/revisions"}],"predecessor-version":[{"id":5449,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/posts\/2983\/revisions\/5449"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/media\/3102"}],"wp:attachment":[{"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/media?parent=2983"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/categories?post=2983"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kobotalk.com\/BLOG\/wp-json\/wp\/v2\/tags?post=2983"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}