{"id":1260,"date":"2019-01-08T16:42:19","date_gmt":"2019-01-08T15:42:19","guid":{"rendered":"https:\/\/cowrywise.com\/blog\/?p=1260"},"modified":"2023-08-10T10:21:38","modified_gmt":"2023-08-10T09:21:38","slug":"take-control-your-debts","status":"publish","type":"post","link":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/","title":{"rendered":"How To Take Control of Your Debts"},"content":{"rendered":"\n

This original version of this article was written by the Vanguard Group on Vanguard Insights.<\/a> It was slightly restructured to fit the Nigerian audience.<\/em><\/p>\n\n\n\n

While debts can be easily abused, it isn\u2019t necessarily bad. Making a few smart lifestyle decisions and maintaining some discipline can keep it under control.<\/p>\n\n\n\n

Borrowing to pay for a home, for example, can be good. You gain equity as you pay down your loan or mortgage. Also, your mortgage interest can be deductible from your income taxes.<\/p>\n\n\n\n

On the other hand, relying on debt to sustain your lifestyle is like playing the lottery to fund retirement. The math is overwhelmingly against you.<\/p>\n\n\n\n

Do the math<\/h3>\n\n\n\n

Debts can offer instant gratification for people who want something they can\u2019t afford. Often bearing high-interest rates,<\/a> this kind of debt erodes your ability to save and costs you dearly over time if you continue to carry a balance.
For example, if you borrowed N365,000 at an annual interest rate of 15% to buy a new television and made monthly minimum payments of about N9,294, it would take more than 4\u00bd years to pay off the debt. The N365,000 loan would end up costing you N501,875 with interest. You also would lose any chance to earn a positive return on the same amount by saving or investing it.<\/p>\n\n\n\n

\n

Our article on how much you are costing your future self here<\/a> explains this better.<\/p>\n<\/blockquote>\n\n\n\n

Live with a budget<\/h3>\n\n\n\n

You can avoid such bad debt by living below your means. A detailed budget<\/a> can get you on track and help you stay there. Just as dieters who keep a record of what they eat tend to lose more weight than those who don\u2019t, people who monitor their spending habits often have an easier time sticking to a budget.<\/p>\n\n\n

\n
\n
\n
\n
\n \n
\n
\n\n
\n
<\/span>Guides<\/span><\/a><\/span>Money Tips<\/span><\/a><\/span>Personal Finance<\/span><\/a><\/div>\n

How To Build Wealth In Your 20s<\/a><\/h3>\n
\n
<\/div>\n <\/a>\n <\/div>\n <\/div>\n \n
\n
\n\n
\n
<\/span>Guides<\/span><\/a><\/span>Investing<\/span><\/a><\/span>Money Tips<\/span><\/a><\/span>Savings<\/span><\/a><\/div>\n

Simplified by Cowrywise: How to Build Wealth as an Employee<\/a><\/h3>\n
\n
<\/div>\n <\/a>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n\n\n

Make saving<\/a> a priority. One way to do this is by setting up an automatic direct-deposit plan through your bank or investment company. Ensuring the money never hits your wallet will reduce your temptation to spend it. You should also establish a financial safety net<\/a> \u2014 at least 6 to 12 months\u2019 worth of expenses in an account that\u2019s easily accessible in an emergency.<\/p>\n\n\n\n

A budget can help you watch expenses<\/a> and divert more money to saving or paying off bills. Pack your lunch instead of eating out. Forgo the extra soda bottles and buy just one or none. Keep your car after it\u2019s paid off rather than trading it in for the latest model \u2014 and a new set of payments. It all adds up.<\/p>\n\n\n\n

\"\"<\/a><\/figure>\n\n\n\n

Gain control of your finances<\/h3>\n\n\n\n

If you have bad debts, you can dig yourself out. Decide a minimum monthly payment for your debts. Find the one with the highest interest rate or the most pressing and pay as much as you can above the minimum payment each month while continuing to make minimum payments on the others. Once the first debt is paid off, divert those payments to the next most expensive\/pressing debt, and so on.<\/p>\n\n\n\n

\n

Avoid paying interest on products such as groceries, food, entertainment, and travel.<\/p>\n<\/blockquote>\n\n\n\n

If you\u2019re in serious trouble, consider debt counselling. You can reach out to Cowrywise<\/a> for tailored advice on how to walk out of your debts. It\u2019s a free offering from us.<\/p>\n\n\n\n

In the end, it\u2019s all up to you. Stick to your budget<\/a> and live within your means. Then you can manage your debt and not let it manage you. Still in need of more? Read our article on how to pay your debts here.<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n

RELATED<\/strong><\/p>\n\n\n\n

Questions to Ask Before You Take a Loan<\/a><\/p>\n\n\n\n

Debt to Income Ratio Calculator<\/span><\/a><\/p>\n\n\n\n

Simple Mortgage Calculator<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

While debts can be easily abused, it isn\u2019t necessarily bad. Making a few smart lifestyle decisions and maintaining some discipline can keep it under control.<\/p>\n

Borrowing to pay for a home, for example, can be good. You gain equity as you pay down your loan or mortgage. Also, your mortgage interest can be deductible on your income taxes.<\/p>\n","protected":false},"author":1,"featured_media":6440,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[134],"tags":[249],"coauthors":[463],"class_list":{"0":"post-1260","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-money-guides-and-tips","8":"tag-debt"},"yoast_head":"\nHow To Take Control of Your Debts - Cowrywise Blog<\/title>\n<meta name=\"description\" content=\"While debts can be easily abused, it isn\u2019t always bad. Making a few smart lifestyle decisions and maintaining discipline can keep debts under control.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How To Take Control of Your Debts - Cowrywise Blog\" \/>\n<meta property=\"og:description\" content=\"While debts can be easily abused, it isn\u2019t always bad. Making a few smart lifestyle decisions and maintaining discipline can keep debts under control.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\" \/>\n<meta property=\"og:site_name\" content=\"Cowrywise Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/cowrywise\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-08T15:42:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-10T09:21:38+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Ope\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:site\" content=\"@cowrywise\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ope\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\"},\"author\":{\"name\":\"Ope\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/04a8b1c88ff4fbf5ba81cec7e2c88d07\"},\"headline\":\"How To Take Control of Your Debts\",\"datePublished\":\"2019-01-08T15:42:19+00:00\",\"dateModified\":\"2023-08-10T09:21:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\"},\"wordCount\":638,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png\",\"keywords\":[\"Debt\"],\"articleSection\":[\"Guides\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\",\"url\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\",\"name\":\"How To Take Control of Your Debts - Cowrywise Blog\",\"isPartOf\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png\",\"datePublished\":\"2019-01-08T15:42:19+00:00\",\"dateModified\":\"2023-08-10T09:21:38+00:00\",\"description\":\"While debts can be easily abused, it isn\u2019t always bad. Making a few smart lifestyle decisions and maintaining discipline can keep debts under control.\",\"breadcrumb\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage\",\"url\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png\",\"contentUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png\",\"width\":1920,\"height\":1000},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/cowrywise.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How To Take Control of Your Debts\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#website\",\"url\":\"https:\/\/cowrywise.com\/blog\/\",\"name\":\"Cowrywise Blog\",\"description\":\"Different articles and personal stories about managing money! Learn everything you need to know to plan and secure your financial future now. Read now.\",\"publisher\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\"},\"alternateName\":\"Cowrywise Blog\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/cowrywise.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#organization\",\"name\":\"Cowrywise\",\"url\":\"https:\/\/cowrywise.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar.png\",\"contentUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar.png\",\"width\":1024,\"height\":1024,\"caption\":\"Cowrywise\"},\"image\":{\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/facebook.com\/cowrywise\",\"https:\/\/x.com\/cowrywise\",\"https:\/\/instagram.com\/cowrywise\",\"https:\/\/www.youtube.com\/c\/Cowrywise\",\"https:\/\/www.linkedin.com\/company\/cowrywise\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/04a8b1c88ff4fbf5ba81cec7e2c88d07\",\"name\":\"Ope\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/image\/3f09a3f522a6a0962dcaa4fce1c4e073\",\"url\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar-2-150x150.png\",\"contentUrl\":\"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar-2-150x150.png\",\"caption\":\"Ope\"},\"description\":\"Your favorite advisor\",\"url\":\"https:\/\/cowrywise.com\/blog\/author\/admin\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How To Take Control of Your Debts - Cowrywise Blog","description":"While debts can be easily abused, it isn\u2019t always bad. Making a few smart lifestyle decisions and maintaining discipline can keep debts under control.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/","og_locale":"en_US","og_type":"article","og_title":"How To Take Control of Your Debts - Cowrywise Blog","og_description":"While debts can be easily abused, it isn\u2019t always bad. Making a few smart lifestyle decisions and maintaining discipline can keep debts under control.","og_url":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/","og_site_name":"Cowrywise Blog","article_publisher":"https:\/\/facebook.com\/cowrywise","article_published_time":"2019-01-08T15:42:19+00:00","article_modified_time":"2023-08-10T09:21:38+00:00","og_image":[{"width":1920,"height":1000,"url":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png","type":"image\/png"}],"author":"Ope","twitter_card":"summary_large_image","twitter_creator":"@cowrywise","twitter_site":"@cowrywise","twitter_misc":{"Written by":"Ope","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#article","isPartOf":{"@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/"},"author":{"name":"Ope","@id":"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/04a8b1c88ff4fbf5ba81cec7e2c88d07"},"headline":"How To Take Control of Your Debts","datePublished":"2019-01-08T15:42:19+00:00","dateModified":"2023-08-10T09:21:38+00:00","mainEntityOfPage":{"@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/"},"wordCount":638,"commentCount":2,"publisher":{"@id":"https:\/\/cowrywise.com\/blog\/#organization"},"image":{"@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage"},"thumbnailUrl":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png","keywords":["Debt"],"articleSection":["Guides"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/","url":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/","name":"How To Take Control of Your Debts - Cowrywise Blog","isPartOf":{"@id":"https:\/\/cowrywise.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage"},"image":{"@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage"},"thumbnailUrl":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png","datePublished":"2019-01-08T15:42:19+00:00","dateModified":"2023-08-10T09:21:38+00:00","description":"While debts can be easily abused, it isn\u2019t always bad. Making a few smart lifestyle decisions and maintaining discipline can keep debts under control.","breadcrumb":{"@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/cowrywise.com\/blog\/take-control-your-debts\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#primaryimage","url":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png","contentUrl":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png","width":1920,"height":1000},{"@type":"BreadcrumbList","@id":"https:\/\/cowrywise.com\/blog\/take-control-your-debts\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/cowrywise.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How To Take Control of Your Debts"}]},{"@type":"WebSite","@id":"https:\/\/cowrywise.com\/blog\/#website","url":"https:\/\/cowrywise.com\/blog\/","name":"Cowrywise Blog","description":"Different articles and personal stories about managing money! Learn everything you need to know to plan and secure your financial future now. Read now.","publisher":{"@id":"https:\/\/cowrywise.com\/blog\/#organization"},"alternateName":"Cowrywise Blog","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/cowrywise.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/cowrywise.com\/blog\/#organization","name":"Cowrywise","url":"https:\/\/cowrywise.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cowrywise.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar.png","contentUrl":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar.png","width":1024,"height":1024,"caption":"Cowrywise"},"image":{"@id":"https:\/\/cowrywise.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/facebook.com\/cowrywise","https:\/\/x.com\/cowrywise","https:\/\/instagram.com\/cowrywise","https:\/\/www.youtube.com\/c\/Cowrywise","https:\/\/www.linkedin.com\/company\/cowrywise\/"]},{"@type":"Person","@id":"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/04a8b1c88ff4fbf5ba81cec7e2c88d07","name":"Ope","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/cowrywise.com\/blog\/#\/schema\/person\/image\/3f09a3f522a6a0962dcaa4fce1c4e073","url":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar-2-150x150.png","contentUrl":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/05\/avatar-2-150x150.png","caption":"Ope"},"description":"Your favorite advisor","url":"https:\/\/cowrywise.com\/blog\/author\/admin\/"}]}},"jetpack_featured_media_url":"https:\/\/cowrywise.com\/blog\/wp-content\/uploads\/2019\/01\/27.-How-to-take-control-of-your-debts.png","_links":{"self":[{"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/posts\/1260","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/comments?post=1260"}],"version-history":[{"count":5,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/posts\/1260\/revisions"}],"predecessor-version":[{"id":14207,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/posts\/1260\/revisions\/14207"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/media\/6440"}],"wp:attachment":[{"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/media?parent=1260"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/categories?post=1260"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/tags?post=1260"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/cowrywise.com\/blog\/wp-json\/wp\/v2\/coauthors?post=1260"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}