{"id":2878,"date":"2023-10-16T13:46:33","date_gmt":"2023-10-16T13:46:33","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=2878"},"modified":"2023-10-16T13:46:34","modified_gmt":"2023-10-16T13:46:34","slug":"emergency-fund","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/","title":{"rendered":"What is an Emergency Fund? How to Build One?"},"content":{"rendered":"\n<p>Life is full of surprises, and not all of them are pleasant. Unexpected expenses can pop up at any moment, leaving you scrambling to find the funds to cover them. An emergency fund acts as a safety net and can provide financial relief during tough times. With an emergency fund in hand, you can ignore going for debts like credit cards, personal loans, or any alternative to <a href=\"https:\/\/www.lendingstream.co.uk\/loans\/payday-loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">payday loans<\/a>.<\/p>\n\n\n\n<p>In this blog, we&#8217;ll cover the basics of an emergency fund and how you can build one.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey 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-69f30b3c28df4\" 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: #999;color:#999\" 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: #999;color:#999\" 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-69f30b3c28df4\"  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:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#what_is_an_emergency_fund\" >What is an emergency fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#getting_started_creating_your_emergency_fund\" >Getting started: Creating your emergency fund<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#1_assess_your_current_financial_situation\" >1. Assess your current financial situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#2_calculate_your_monthly_disposable_income\" >2. Calculate your monthly disposable income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#3_set_a_realistic_monthly_savings_habit\" >3. Set a realistic monthly savings habit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#4_open_a_dedicated_savings_account\" >4. Open a dedicated savings account<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#5_automate_your_emergency_savings\" >5. Automate your emergency savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#6_cut_back_on_non-essential_expenses\" >6. Cut back on non-essential expenses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#7_use_windfalls_wisely\" >7. Use windfalls wisely<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#8_monitor_and_adjust\" >8. Monitor and adjust<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#9_stay_committed\" >9. Stay committed<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#10_celebrate_milestones\" >10. Celebrate milestones<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#ready_to_take_the_first_step\" >Ready to take the first step?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#faqs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#how_much_money_do_you_need_to_build_an_emergency_fund\" >How much money do you need to build an emergency fund?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#where_is_the_best_place_to_keep_emergency_funds_uk\" >Where is the best place to keep emergency funds UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#what_is_the_50-30-20_rule\" >What is the 50-30-20 rule?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/emergency-fund\/#what_is_the_3x_emergency_rule\" >What is the 3X emergency rule?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_an_emergency_fund\"><\/span><strong>What is an emergency fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An emergency fund is a designated savings account or pool of money set aside to cover unexpected or unforeseen financial emergencies or expenses. Its primary purpose is to provide a financial safety net, ensuring that individuals or households have a cushion to rely on when faced with unexpected events that can strain their finances.<\/p>\n\n\n\n<p>These emergencies can include things like medical bills, car repairs, job loss, or unexpected home repairs. A typical recommendation is to <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-much-emergency-fund-should-i-have-in-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">save at least three to six months&#8217; worth of living expenses in an emergency fund<\/a>. Although the ideal amount may vary depending on individual circumstances and financial goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"getting_started_creating_your_emergency_fund\"><\/span><strong>Getting started: Creating your emergency fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"532\" height=\"399\" src=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Creating-your-emergency-fund.jpg\" alt=\"Creating your emergency fund\" class=\"wp-image-27749\" srcset=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Creating-your-emergency-fund.jpg 532w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Creating-your-emergency-fund-300x225.jpg 300w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Creating-your-emergency-fund-80x60.jpg 80w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Creating-your-emergency-fund-265x198.jpg 265w\" sizes=\"(max-width: 532px) 100vw, 532px\" \/><\/figure>\n\n\n\n<p>Creating an emergency fund is a crucial step toward financial security. Here&#8217;s a step-by-step guide to help you get started:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_assess_your_current_financial_situation\"><\/span><strong>1. Assess your current financial situation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Before you begin setting aside money for your emergency savings, it&#8217;s essential to understand your current financial picture. Take a close look at your monthly income, including your <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-save-money-from-salary\/\" target=\"_blank\" rel=\"noreferrer noopener\">salary<\/a> and any additional sources of income. Then, list all your monthly expenses, such as rent or mortgage payments, utilities, groceries, transportation, and insurance. Remember to include any debts you are currently paying off.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_calculate_your_monthly_disposable_income\"><\/span><strong>2. Calculate your monthly disposable income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"532\" height=\"399\" src=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Calculate-your-monthly-disposable-income-for-emergency-fund.jpg\" alt=\"Calculate your monthly disposable income for emergency fund\" class=\"wp-image-27750\" srcset=\"https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Calculate-your-monthly-disposable-income-for-emergency-fund.jpg 532w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Calculate-your-monthly-disposable-income-for-emergency-fund-300x225.jpg 300w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Calculate-your-monthly-disposable-income-for-emergency-fund-80x60.jpg 80w, https:\/\/www.lendingstream.co.uk\/blog\/wp-content\/uploads\/2014\/10\/Calculate-your-monthly-disposable-income-for-emergency-fund-265x198.jpg 265w\" sizes=\"(max-width: 532px) 100vw, 532px\" \/><\/figure>\n\n\n\n<p>Once you have a clear view of your income and expenses, subtract your total expenses from your total income. This will give you your monthly disposable income &#8211; the money you are left with, after covering all your essential expenses. This represents the amount of money worries that you could potentially set aside for your emergency fund.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_set_a_realistic_monthly_savings_habit\"><\/span><strong>3. Set a realistic monthly savings habit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Set a reasonable <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-save-money-each-month\/\" target=\"_blank\" rel=\"noreferrer noopener\">monthly savings goal<\/a> for your emergency fund based on your disposable income. While it&#8217;s great to aim high, it&#8217;s crucial to be practical so that you can consistently meet your savings target. Start with a modest goal and gradually increase it as you become more comfortable with the saving habit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_open_a_dedicated_savings_account\"><\/span><strong>4. Open a dedicated savings account<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Not all savings accounts are created equal, and choosing the right one can make a significant difference in how quickly your emergency savings grow. Look for a savings account that offers competitive interest rates and doesn&#8217;t charge excessive fees.&nbsp;<\/p>\n\n\n\n<p>There are various types of savings accounts available, from traditional savings accounts to high-yield savings accounts and even money market accounts. Research these options to find the best account for your emergency fund.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_automate_your_emergency_savings\"><\/span><strong>5. Automate your emergency savings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>One effective way to ensure you consistently contribute to your emergency fund is to set up automatic transfers. Check with your bank to see if you can schedule a regular transfer from your main account to your emergency fund account on the same day you receive your paycheck. This eliminates the temptation to spend the extra money from elsewhere.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_cut_back_on_non-essential_expenses\"><\/span><strong>6. Cut back on non-essential expenses<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Take a closer look at your spending habits and identify areas where you can cut back. Consider <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-stop-spending-money-on-unnecessary-things\/\" target=\"_blank\" rel=\"noreferrer noopener\">reducing unnecessary expenses<\/a> like eating out, finding low-cost entertainment options, and avoiding impulse purchases. Shifting modest sums of money from these sources to your emergency fund can accumulate gradually.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_use_windfalls_wisely\"><\/span><strong>7. Use windfalls wisely<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Windfalls, from benefits such as tax refunds or unexpected bonuses, can significantly boost your emergency fund. Rather than splurging on non-essential items, consider allocating a portion or all the windfall to your emergencies. This can help you reach your goal faster.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_monitor_and_adjust\"><\/span><strong>8. Monitor and adjust<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Regularly review your progress toward your emergency fund goal. If your financial support changes \u2013 like an increase in income or a decrease in expenses \u2013 consider adjusting your monthly savings goal. The key is to stay flexible and adapt as needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_stay_committed\"><\/span><strong>9. Stay committed<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Building an emergency fund requires dedication and discipline. Even if progress seems slow, remember that every contribution brings you closer to financial security. Stay committed to your savings plan and remind yourself of the peace of mind an emergency fund can provide.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_celebrate_milestones\"><\/span><strong>10. Celebrate milestones<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Creating an emergency fund might take time to happen. Still, by following these steps and staying consistent, you will gradually build a financial safety net that can protect you from unexpected expenses and provide you with the peace of mind you deserve.&nbsp;<\/p>\n\n\n\n<p>And remember, as you reach different milestones along the way &#8211; saving a certain percentage of your goal or reaching a specific monetary amount &#8211; take a moment to celebrate your achievements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ready_to_take_the_first_step\"><\/span><strong>Ready to take the first step?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In conclusion, an emergency fund is a financial lifesaver that provides a safety net during unexpected and challenging times. To build one, you should set a clear savings goal, open a separate account, create a budget, start with manageable contributions, and automate your savings.<\/p>\n\n\n\n<p>It&#8217;s also crucial to cut unnecessary expenses, use windfalls wisely, and be patient as you gradually reach your savings target. Remember to avoid using your emergency fund for non-emergencies and periodically review and adjust your goals as needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs\"><\/span><strong>FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1697463789573\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"how_much_money_do_you_need_to_build_an_emergency_fund\"><\/span><strong>How much money do you need to build an emergency fund?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The general guideline is to aim to save for three to six months&#8217; worth of living expenses. This amount can help cover unexpected bills, job loss, or medical emergencies, providing a solid financial safety net.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1697463804260\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"where_is_the_best_place_to_keep_emergency_funds_uk\"><\/span><strong>Where is the best place to keep emergency funds UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For the UK audience, consider high-interest savings accounts, or easy-access savings accounts. Look for accounts with competitive interest rates and no fees, ensuring easy access to cash in times of need.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1697463810178\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_is_the_50-30-20_rule\"><\/span><strong>What is the 50-30-20 rule?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/50-30-20-rule\/\" target=\"_blank\" rel=\"noreferrer noopener\">50-30-20 rule<\/a> is an example of a budgeting guideline suggesting that 50% of your income goes to needs (housing, groceries), 30% to wants (entertainment, dining out), and 20% to savings and debt payments.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1697463821312\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"what_is_the_3x_emergency_rule\"><\/span><strong>What is the 3X emergency rule?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The 3X emergency rule advises having three times your monthly expenses in your emergency funds. This provides a more specific target, ensuring you&#8217;re better prepared for unforeseen financial challenges.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer:<\/strong>&nbsp;The information given above is provided for reference only. This is not financial advice.<\/p>\n\n\n\n<p><strong>Related guides:<\/strong><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/debt-snowball-method\/\" target=\"_blank\" rel=\"noreferrer noopener\">Debt Snowball Method: What It Is and How Does It Work<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-save-money-on-food\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Save Money On Food Shopping and Grocery<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-take-control-of-your-finances\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Take Control of Your Finances<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Life is full of surprises, and not all of them are pleasant. Unexpected expenses can pop up at any moment, leaving you scrambling to find the funds to cover them. An emergency fund acts as a safety net and can provide financial relief during tough times. With an emergency fund in hand, you can ignore [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":27751,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[139],"tags":[66,67,63],"class_list":["post-2878","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money","tag-emergencies","tag-emergency-fund","tag-emergency-preparedness"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2878"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=2878"}],"version-history":[{"count":2,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2878\/revisions"}],"predecessor-version":[{"id":27752,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/2878\/revisions\/27752"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/27751"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=2878"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=2878"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=2878"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}