{"id":103955,"date":"2026-07-30T09:46:09","date_gmt":"2026-07-30T09:46:09","guid":{"rendered":"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/"},"modified":"2026-07-30T09:46:09","modified_gmt":"2026-07-30T09:46:09","slug":"responsible-borrowing-habits-every-uk-consumer-should-know","status":"publish","type":"post","link":"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/","title":{"rendered":"Responsible Borrowing Habits Every UK Consumer Should Know\u00a0"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><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><\/span><\/a><\/span><\/div>\n<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:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Why_does_responsible_borrowing_matter\" >Why does responsible borrowing matter?\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#How_to_borrow_money_responsibly\" >How to borrow money\u00a0responsibly?\u00a0<\/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:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Understand_your_credit_score\" >Understand your credit score\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Borrow_only_what_you_can_afford\" >Borrow\u00a0only what you can afford\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Borrow_money_only_for_one-off_essential_expenses\" >Borrow money only for one-off essential expenses\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Pay_on_time\" >Pay on time\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Read_the_fine_prints\" >Read the fine prints\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Protect_yourself_from_a_debt_spiral\" >Protect yourself from a debt spiral\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Choose_the_right_loan\" >Choose the right loan\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#Build_good_financial_habits\" >Build\u00a0good\u00a0financial habits\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/zamstudios.com\/blogs\/responsible-borrowing-habits-every-uk-consumer-should-know\/#The_final_word\" >The final word\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><a href=\"https:\/\/zamstudios.com\/blogs\/wp-content\/uploads\/2026\/07\/Responsible-Borrowing-Habits-Every-UK-Consumer-Should-Know-.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-thumbnail size-thumbnail\" src=\"https:\/\/zamstudios.com\/blogs\/wp-content\/uploads\/2026\/07\/Responsible-Borrowing-Habits-Every-UK-Consumer-Should-Know--150x150.jpg\" alt=\"\" width=\"800\" height=\"450\" \/><\/a><\/p>\n<p><span data-contrast=\"auto\">In this day and age, it is convenient to borrow money, but convenience\u00a0comes with\u00a0a high cost.\u00a0It is essential that you do not borrow money at\u00a0a very high\u00a0interest rate.\u00a0When it comes to taking out\u00a0<\/span><a href=\"https:\/\/www.quickloanslender.co.uk\/\" target=\"_blank\" rel=\"noopener\"><b><span data-contrast=\"auto\">online loans in the UK<\/span><\/b><\/a><span data-contrast=\"auto\">,\u00a0you should ensure that you are borrowing money from registered lenders and that you will not struggle with payments.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">While all lenders are supposed to practise responsible lending, you should also carefully examine your affordability. No borrower can escape their obligation by shifting the blame to lenders when they\u00a0failed to\u00a0assess their affordability before offering them a loan.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_does_responsible_borrowing_matter\"><\/span><span data-contrast=\"none\">Why does responsible borrowing matter?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Borrowing can be a powerful tool\u00a0when you manage it wisely.\u00a0It provides you with\u00a0funds\u00a0to invest in assets, refurbish your house,\u00a0purchase\u00a0a car, and fix temporary cash flow problems.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you borrow money responsibly, you can build your credit score. It helps you qualify for lower interest rates down the line.\u00a0Poor habits can lead to high-interest debt spirals,\u00a0damaged credit ratings, and reduced financial freedom.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_borrow_money_responsibly\"><\/span><span data-contrast=\"none\">How to borrow money\u00a0responsibly?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Here are the tips to borrow money responsibly:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Understand_your_credit_score\"><\/span><b><span data-contrast=\"auto\">Understand your credit score<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Your credit score is the most\u00a0important factor\u00a0that decides whether you will be charged lower interest rates or higher. Therefore, it is vital that\u00a0you check your credit score regularly.\u00a0There are three credit reference agencies that\u00a0maintain\u00a0your credit report: Experian,\u00a0Equifax\u00a0and TransUnion.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Make sure that your credit score is not\u00a0low because of identity theft. There might be some\u00a0erroneous\u00a0information.\u00a0You will need to dispute them. Credit reference agencies take a month to fix those errors.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To keep your credit score in good condition, you should:<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"13\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Pay your debts on time<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"13\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Keep your credit utilisation ratio low. It must be under 30%<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"13\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Avoid too many applications within a short space\u00a0of time.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Keeping your credit score up to scratch will help you qualify for loans easily.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Borrow_only_what_you_can_afford\"><\/span><b><span data-contrast=\"auto\">Borrow\u00a0only what you can afford<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Most of the borrowers do not realise that they cannot afford payments. If you fall behind on payments, you will end up with accumulated debt and damage your credit score. Even though a lender is supposed to examine your affordability, you should ensure that\u00a0additional\u00a0payments can easily fit in your budget.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">In order to\u00a0ensure affordability, you should use online calculators. They can give you an insight into estimated costs. Actual costs will always be higher than estimated costs. So, have some wiggle room in your budget. Try to cut back on discretionary expenses so you do not struggle with payments.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Borrow_money_only_for_one-off_essential_expenses\"><\/span><b><span data-contrast=\"auto\">Borrow money only for one-off essential expenses<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span data-contrast=\"auto\">Because\u00a0<\/span><b><span data-contrast=\"auto\">online personal loans\u00a0<\/span><\/b><span data-contrast=\"auto\">are convenient, it does not mean that you will use these loans to fund your lifestyle. Loans are not recommended to fund holidays and other discretionary expenses.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">You should borrow money to finance unavoidable expenses. However, make sure that they are not recurring.\u00a0For instance, do not use loans to fund rent. You should use them to meet unexpected\u00a0expenses.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Pay_on_time\"><\/span><b><span data-contrast=\"auto\">Pay on time<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Late or missed payments can damage your credit score. Lenders charge\u00a0late payment\u00a0fees that accumulate the debt. You should always pay your debts on time. Since you cannot be certain about your future financial condition, you must have a backup plan.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Prioritising payments over other expenses and setting up direct debits can help you avoid making a default.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Read_the_fine_prints\"><\/span><b><span data-contrast=\"auto\">Read the fine prints<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Many borrowers overlook loan terms. No lender will ever inform you of exact interest rates, APRs, and associated fees before you formally put in a loan application. All these details are provided in your loan agreement. Make sure that you carefully read the small print. Focus on the APR, not just the interest rate, to\u00a0determine\u00a0whether or not\u00a0you can afford to make payments.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Protect_yourself_from_a_debt_spiral\"><\/span><b><span data-contrast=\"auto\">Protect yourself from a debt spiral<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Not all lenders are\u00a0registered.\u00a0It is essential that you carefully\u00a0research the market.\u00a0Unregistered lenders could be loan sharks.\u00a0They tend to\u00a0charge exorbitant interest rates\u00a0in order to\u00a0make money.\u00a0Make sure that the lender you are borrowing from is registered.\u00a0You can get these details on the FCA website.\u00a0\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Try to avoid payday loans. They often charge APRs up to 1500%. Consider better alternatives such as credit union loans. They offer lower interest rates.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Choose_the_right_loan\"><\/span><b><span data-contrast=\"auto\">Choose the right loan<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Not all types of loans are suitable for all types of\u00a0needs.\u00a0For instance, if you need\u00a0a very small\u00a0amount of money, you should use a credit card. Pay off the balance in full to avoid\u00a0accruing\u00a0interest. This is a better alternative than payday loans.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">If you need money for your business, you cannot apply for personal loans. You will have to apply for a business loan. If you cannot decide on which loan is a better alternative, contact an advisor.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Build_good_financial_habits\"><\/span><b><span data-contrast=\"auto\">Build\u00a0good\u00a0financial habits<\/span><\/b><span data-ccp-props=\"{}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Responsible borrowing comes with building good financial habits.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Try to build an emergency cushion.\u00a0You should have at least three months\u2019 worth of living expenses.\u00a0Borrow money only when savings fall short.\u00a0Having an emergency cushion reduces excessive reliance on debt.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">You should be consistent with your savings\u00a0efforts.\u00a0Set up an auto debit mode, so your savings keep growing.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Set savings goals. For instance, you should create different pots for different goals such as a mortgage deposit, wedding, vacation and the like.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"14\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Courier New&quot;,&quot;469769242&quot;:[9675],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;o&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Differentiate between needs and wants. You should try mindful spending.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"The_final_word\"><\/span><span data-contrast=\"none\">The final word<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:360,&quot;335559739&quot;:80}\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span data-contrast=\"auto\">Borrowing is not a bad idea\u00a0as long as\u00a0you need money for unavoidable expenses. People often get caught up in an ongoing cycle of debt because they borrow more than they can afford. Experts enjoin that you carefully evaluate your financial condition.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Use online loan calculators and compare interest rates by different lenders.\u00a0If you find them expensive, consider borrowing money from credit unions, but do not borrow when you can make do without it.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Build an emergency corpus.\u00a0If you regularly contribute to your savings, you will be able\u00a0to manage most of your expenses without borrowing.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Build an emergency corpus.\u00a0If you regularly contribute to your savings, you will be able\u00a0to manage most of your expenses without borrowing.\u00a0\u00a0<\/p>\n","protected":false},"author":20756,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[728],"tags":[49826],"class_list":["post-103955","post","type-post","status-publish","format-standard","hentry","category-finance-and-money-management","tag-online-loans"],"_links":{"self":[{"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/posts\/103955","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/users\/20756"}],"replies":[{"embeddable":true,"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/comments?post=103955"}],"version-history":[{"count":1,"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/posts\/103955\/revisions"}],"predecessor-version":[{"id":103956,"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/posts\/103955\/revisions\/103956"}],"wp:attachment":[{"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/media?parent=103955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/categories?post=103955"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zamstudios.com\/blogs\/wp-json\/wp\/v2\/tags?post=103955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}