{"id":16825,"date":"2022-05-10T12:10:50","date_gmt":"2022-05-10T12:10:50","guid":{"rendered":"https:\/\/transfergo.wpengine.com\/ce-e-de-facut-si-cum-putem-sa-ne-reducem-datoriile"},"modified":"2025-05-15T13:47:07","modified_gmt":"2025-05-15T13:47:07","slug":"cum-putem-sa-ne-reducem-datoriile","status":"publish","type":"post","link":"https:\/\/www.transfergo.com\/ro\/cum-putem-sa-ne-reducem-datoriile","title":{"rendered":"Ce e de f\u0103cut \u0219i cum putem s\u0103 ne reducem datoriile?"},"content":{"rendered":"\n<p><span style=\"font-weight: 400\">Datoriile sunt toate sumele de bani ori toate bunurile pe care le avem de dat \u00eenapoi cuiva. F\u0103r\u0103 \u00eendoial\u0103, cu to\u021bii am fost cel pu\u021bin o dat\u0103 \u00een via\u021b\u0103 \u00een situa\u021bia de a avea datorii b\u0103ne\u0219ti. Iar atunci c\u00e2nd te hot\u0103r\u0103\u0219ti faci un pas major, cum este plecare din \u021bar\u0103, efortul financiar este mare, cel pu\u021bin la \u00eenceput. Este posibil s\u0103 faci datorii ca s\u0103 str\u00e2ngi banii de care ai nevoie pentru a porni la drum. Mai apoi, o dat\u0103 ajuns \u00een str\u0103in\u0103tate, te a\u0219teapt\u0103 alte cheltuieli. Datoriile se pot astfel aduna \u0219i<\/span><span style=\"font-weight: 400\"> deveni o t<\/span><span style=\"font-weight: 400\">em\u0103 de \u00eengrijorare.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cens\u0103 \u00eengrijorarea nu ne ajut\u0103 niciodat\u0103 \u0219i nu rezolv\u0103 nimic. <\/span><b>Ce e de f\u0103cut \u0219i cum putem s\u0103 ne reducem datoriile?<\/b> <span style=\"font-weight: 400\">Cite\u0219te cu \u00eencredere mai departe! \u00cen articolul de ast\u0103zi \u021bi-am preg\u0103tit r\u0103spunsul la aceast\u0103 \u00eentrebare.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Aici la <\/span><b><a href=\"https:\/\/www.transfergo.com\/ro\/\">TransferGo<\/a><\/b><span style=\"font-weight: 400\"> vrem s\u0103 \u00ee\u021bi facem via\u021ba departe de cas\u0103 c\u00e2t mai u\u0219oar\u0103. Nu doar prin costurile noastre de transfer, care sunt printre cele mai mici pe care le po\u021bi avea atunci c\u00e2nd<\/span> transferi bani online<span style=\"font-weight: 400\"> \u0219i prin siguran\u021ba pe care \u021bi-o oferim, dar \u0219i prin toate aceste informa\u021bii pe care le preg\u0103tim pentru tine.<\/span><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Cuprins<\/h2><nav><ul><li class=\"\"><a href=\"#cat-de-mult-conteaza-plata-datoriilor\">C\u00e2t de mult conteaz\u0103 plata datoriilor?\u00a0<\/a><\/li><li class=\"\"><a href=\"#primul-pas-catre-reducerea-datoriilor-reducerea-cheltuielilor\">Primul pas c\u0103tre reducerea datoriilor: reducerea cheltuielilor\u00a0<\/a><\/li><li class=\"\"><a href=\"#evitarea-datoriilor-noi\">Evitarea datoriilor noi\u00a0<\/a><ul><li class=\"\"><a href=\"#folosirea-cardurilor-de-credit-sau-a-cardurilor-de-cumparaturi\">Folosirea cardurilor de credit, sau a cardurilor de cump\u0103r\u0103turi<\/a><\/li><li class=\"\"><a href=\"#apelarea-la-descoperitorul-de-cont\">Apelarea la descoperitorul de cont<\/a><\/li><li class=\"\"><a href=\"#creditele-ob\u021binute-in-24-de-ore\">Creditele ob\u021binute \u00een 24 de ore<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"cat-de-mult-conteaza-plata-datoriilor\"><span style=\"font-weight: 400\">C\u00e2t de mult conteaz\u0103 plata datoriilor?&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Dintr-un studiu realizat de ING \u00een anul 2021, afl\u0103m c\u0103 <\/span><b>plata datoriilor este sursa cea mai mare de stres pentru rom\u00e2ni.<\/b><span style=\"font-weight: 400\"> Iat\u0103 ce spune studiul:<\/span><\/p>\n\n\n\n<p><em><span style=\"font-weight: 400\">\u201e55% dintre responden\u021bi au spus c\u0103 s\u0103n\u0103tatea financiar\u0103 le influen\u021beaz\u0103 s\u0103n\u0103tatea psihic\u0103, plata datoriilor fiind \u00een propor\u021bie de 64% sursa cea mai mare de stres. Urm\u0103torii \u00een topul factorilor de stres pentru rom\u00e2ni sunt generarea unui venit suficient de mare pentru a-\u0219i acoperi cheltuielile (32%), economisirea (27%) sau efectiv cheltuielile f\u0103cute zi de zi (27%).\u201d<\/span><\/em><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Iat\u0103, a\u0219adar, c\u0103 plata datoriilor este de mare important\u0103 pentru noi. <\/span><span style=\"font-weight: 400\">Es<\/span><span style=\"font-weight: 400\">te si firesc s\u0103 fie a\u0219a. At\u00e2ta timp c\u00e2t suntem \u00eencurca\u021bi \u00een datorii, nu prea ne putem bucura de lini\u0219te financiar\u0103. Ce e de f\u0103cut, atunci?<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"primul-pas-catre-reducerea-datoriilor-reducerea-cheltuielilor\"><span style=\"font-weight: 400\">Primul pas c\u0103tre reducerea datoriilor: reducerea cheltuielilor&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Regula num\u0103rul 1 \u00een gestionarea banilor spune c\u0103 trebuie <\/span><b>s\u0103 cheltui mai pu\u021bin dec\u00e2t c\u00e2\u0219tigi<\/b><span style=\"font-weight: 400\">. Ideal, cu to\u021bii ne-am afla \u00een situa\u021bia \u00een care am c\u00e2\u0219tiga mai mult dec\u00e2t am cheltui. Adesea \u00eens\u0103, ar fi nevoie ori s\u0103 ne cre\u0219tem veniturile, ori s\u0103 ne <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/3-idei-de-reducere-cu-cel-putin-10-cheltuielilor-totale-lunare\"><span style=\"font-weight: 400\">reducem cheltuielile<\/span><\/a><span style=\"font-weight: 400\">. Iar dac\u0103 cre\u0219terea veniturilor nu se realizeaz\u0103 at\u00e2t de u\u0219or \u0219i nici peste noapte, reducerea cheltuielile chiar se poate face de pe-o zi pe alta!<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">\u00cen primul r\u00e2nd, \u00ee\u021bi propunem s\u0103 \u00ee\u021bi \u021bii o eviden\u021b\u0103 a c\u00e2t chel<\/span><span style=\"font-weight: 400\">tuie\u0219ti. Caut\u0103 s\u0103 vezi ce cheltuieli faci cu regularitate, \u0219i ce cheltuieli faci doar ocazional. <\/span><span style=\"font-weight: 400\">Apoi, g\u00e2nde\u0219te-te ce cheltuieli ai putea s\u0103 reduci. Ar exist\u0103 chiar \u0219i cheltuieli pe care ai putea s\u0103 le elimini?<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Tot \u00een acest sens, \u00ee\u021bi po\u021bi \u00eemp\u0103r\u021bi cheltuielile \u00een cheltuieli esen\u021biale \u0219i cheltuieli neesen\u021biale. Cheltuielile esen\u021biale sunt cele care \u00ee\u021bi acoper\u0103 nevoile reale, cum sunt cele cu casa, cu m\u00e2ncarea, s\u0103n\u0103tatea, cheltuielile cu \u00eengrijirea copiilor \u0219i cele cu transportul. Cheltuielile neesen\u021biale sunt cele \u00ee\u021bi acoper\u0103 dorin\u021bi, cum sunt mersul \u00een vacan\u021b\u0103 sau achizi\u021bionarea unui smartphone nou. Odat\u0103 \u00eemp\u0103r\u021bite astfel cheltuielile, po\u021bi mai departe s\u0103 vezi din care po\u021bi reduce. Idile care dau roade de sunt de cele multe ori cele mai simple. De exemplu, dac\u0103 pleci la cump\u0103r\u0103turi de m\u00e2ncare cu o lista f\u0103cut\u0103 de acas\u0103, ai \u0219anse mari s\u0103 te \u00eentorci fix cu ce ai nevoie, si nimc ai mult.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Tot ceea ce reu\u0219e\u0219ti s\u0103 economise\u0219ti, pui apoi c\u0103tre stingerea datoriilor curente.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218tim c\u0103 mutarea \u00eentr-o alt\u0103 \u021bar\u0103 \u00eenseamn\u0103 multe eforturi.&nbsp;<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u00censeamn\u0103 curajul de a pleca \u0219i de a fi departe de cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218i tocmai de aceea, te ajut\u0103 s\u0103 \u0219tii c\u0103 banii t\u0103i sunt \u00een siguran\u021b\u0103.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>Ai nevoie s\u0103 transferi bani simplu, rapid \u0219i f\u0103r\u0103 comisioane bancare<\/i><i> exagerate \u00een Rom\u00e2nia \u0219i nu numai.<\/i><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"evitarea-datoriilor-noi\"><span style=\"font-weight: 400\">Evitarea datoriilor noi&nbsp;<\/span><\/h2>\n\n\n\n<p><span style=\"font-weight: 400\">Cel pu\u021bin p\u00e2n\u0103 c\u00e2nd nu ai reu\u0219it s\u0103 stingi toate datoriile pe care le ai deja, caut\u0103 s\u0103 nu mai faci altele noi. Merit\u0103 \u00een acest sens s\u0103 fii atent la modurile \u00een care po\u021bi foarte u\u0219or s\u0103 te indatorezi:&nbsp;<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"folosirea-cardurilor-de-credit-sau-a-cardurilor-de-cumparaturi\"><span style=\"font-weight: 400\">Folosirea cardurilor de credit, sau a cardurilor de cump\u0103r\u0103turi<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Pentru a reu\u0219i s\u0103 scapi de capcana cardurilor de credit, \u00ee\u021bi recomand\u0103m s\u0103 economise\u0219ti \u0219i s\u0103 pl\u0103te\u0219ti cu bani jos. Dac\u0103 apelezi la un card de credit, ai de pl\u0103tit o rat\u0103 la el. \u00cen loc sa platesti rata la cardul de credit, pui ace\u0219ti bani deoparte. Nu doar c\u0103 te disciplinezi s\u0103 <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/cum-sa-gandesti-ca-sa-economisesti-cu-spor\"><span style=\"font-weight: 400\">economise\u0219ti<\/span><\/a><span style=\"font-weight: 400\">, ci \u0219i evi\u021bi plata de dob\u00e2nzi care ar fi bani pierdu\u021bi. \u00cen plus, la achizi\u021bionarea cu banii jos prime\u0219ti adesea \u0219i un discount.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"apelarea-la-descoperitorul-de-cont\"><span style=\"font-weight: 400\">Apelarea la descoperitorul de cont<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Dac\u0103 ai cump\u0103rat pe descoperitor de cont, deja ai \u00eenc\u0103lcat regula num\u0103rul 1: chetuieste mai pu\u021bin dec\u00e2t c\u00e2\u0219tigi. De aici mai departe, nu faci dec\u00e2t s\u0103 intri \u00eentr-un nou \u0219ir de \u00eendator\u0103ri \u0219i pl\u0103\u021bi de debanzi.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>La <\/i><i>TransferGo<\/i><i>, \u00ee\u021bi oferim garan\u021bia c\u0103 banii t\u0103i ajung rapid \u0219i \u00een &nbsp; siguran\u021b\u0103 la cei dragi.<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>\u0218i \u00ee\u021bi mai oferim ceva. Respectul pentru lupta ta pentru c\u0103 \u0219tim c\u00e2t Valorezi pentru Rom\u00e2nia!<\/i><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong><i>Descarc\u0103-\u021bi aplica\u021bia TransferGo<\/i><i> \u0219i al\u0103tur\u0103-te celor peste 3,5 milioane de utilizatori din \u00eentreaga lume!<\/i><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"creditele-ob\u021binute-in-24-de-ore\"><span style=\"font-weight: 400\">Creditele ob\u021binute \u00een 24 de ore<\/span><\/h3>\n\n\n\n<p><span style=\"font-weight: 400\">Creditele ob\u021binute \u00een 24 de ore sunt cele mai d\u0103un\u0103toare tipuri de datorii. <\/span><span style=\"font-weight: 400\">Apparent, \u00ee\u021bi rezolv\u0103 o prob<\/span><span style=\"font-weight: 400\">lem\u0103 c\u00e2nd te afli \u00eentr-o criz\u0103 cu banii. \u00cen fapt, dob\u00e2nzile la astfel de credite \u00eencep la 30%. Prin urmare, pericolul ca s\u0103 ajungi s\u0103 pl\u0103te\u0219ti sume inimaginat de mari sub form\u0103 de dob\u00e2nzi este c\u00e2t se poate de real. Pentru a nu ajunge \u00een situa\u021bia limit\u0103 \u00een care s\u0103 ai nevoie s\u0103 apelezi la astfel de mijloace b\u0103ne\u0219ti, este bine s\u0103 ai pus deoparte un <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/fondul-de-urgenta-3-lucruri-importante-ca-sa-scapi-de-grija-zilei-de-maine\"><span style=\"font-weight: 400\">fond de urgen\u021b\u0103<\/span><\/a><span style=\"font-weight: 400\">.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Cite\u0219te \u0219i <\/span><a href=\"https:\/\/www.transfergo.com\/ro\/fondul-de-urgenta-3-lucruri-importante-ca-sa-scapi-de-grija-zilei-de-maine\"><span style=\"font-weight: 400\">articolul de aici<\/span><\/a><span style=\"font-weight: 400\"> pentru a afla ce este un fond de urgen\u021b\u0103 \u0219i cum faci s\u0103 ai \u0219i tu unul. <\/span><span style=\"font-weight: 400\"><br>\n<\/span><span style=\"font-weight: 400\"><br>\n<\/span><span style=\"font-weight: 400\">La final, <\/span><span style=\"font-weight: 400\">dac\u0103 \u021bi-a prins bine articolul \u0219i ai aflat ceva folositor din el, d<\/span><span style=\"font-weight: 400\">\u0103<\/span><span style=\"font-weight: 400\">-l mai departe printr-un share p<\/span><span style=\"font-weight: 400\">e <\/span><a href=\"https:\/\/www.facebook.com\/transfergo.romania\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400\">Facebook<\/span><\/a> <span style=\"font-weight: 400\">\u0219<\/span><span style=\"font-weight: 400\">i WhatsApp, sau orice alt mijloc de social media pe care-l folose\u0219ti.<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\">Spor la<\/span> <span style=\"font-weight: 400\">bani<\/span><span style=\"font-weight: 400\"> de la noi de la <\/span><b>TransferGo<\/b><span style=\"font-weight: 400\">! <\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400\"><br>\n<\/span><i><span style=\"font-weight: 400\">Sursa: <\/span><\/i><a href=\"https:\/\/ing.ro\/informatii-utile\/unul-din-trei-romani-este-de-parere-ca-banii-ii-controleaza-viata\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400\">Studiul despre s\u0103n\u0103tatea financiar\u0103<\/span><\/i><\/a><i><span style=\"font-weight: 400\"> realizat de c\u0103tre ING Bank Romania \u00een parteneriat cu Ipsos, \u00een luna februarie 2021.<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Datoriile sunt toate sumele de bani ori toate bunurile pe care le avem de dat \u00eenapoi cuiva. F\u0103r\u0103 \u00eendoial\u0103, cu to\u021bii am fost cel pu\u021bin o dat\u0103 \u00een via\u021b\u0103 \u00een situa\u021bia de a avea datorii b\u0103ne\u0219ti. Iar atunci c\u00e2nd te hot\u0103r\u0103\u0219ti faci un pas major, cum este plecare din \u021bar\u0103, efortul financiar este mare, cel [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16826,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1310,1313],"tags":[],"business_case_studies_tags":[],"class_list":["post-16825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finante-personale","category-sfaturi-finantele-personale"],"parsely":{"version":"1.1.0","canonical_url":"https:\/\/transfergo.com\/ro\/cum-putem-sa-ne-reducem-datoriile","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"NewsArticle","headline":"Ce e de f\u0103cut \u0219i cum putem s\u0103 ne reducem datoriile?","url":"http:\/\/www.transfergo.com\/ro\/cum-putem-sa-ne-reducem-datoriile","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.transfergo.com\/ro\/cum-putem-sa-ne-reducem-datoriile"},"thumbnailUrl":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/reducerea-datoriilor.jpg?resize=150,150","image":{"@type":"ImageObject","url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/reducerea-datoriilor.jpg"},"articleSection":"Sfaturi: finan\u021bele personale","author":[{"@type":"Person","name":"TransferGo Team"}],"creator":["TransferGo Team"],"publisher":{"@type":"Organization","name":"TransferGo","logo":""},"keywords":[],"dateCreated":"2022-05-10T12:10:50Z","datePublished":"2022-05-10T12:10:50Z","dateModified":"2025-05-15T13:47:07Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"NewsArticle\",\"headline\":\"Ce e de f\\u0103cut \\u0219i cum putem s\\u0103 ne reducem datoriile?\",\"url\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/cum-putem-sa-ne-reducem-datoriile\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.transfergo.com\\\/ro\\\/cum-putem-sa-ne-reducem-datoriile\"},\"thumbnailUrl\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/reducerea-datoriilor.jpg?resize=150,150\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.transfergo.com\\\/wp-content\\\/uploads\\\/2022\\\/11\\\/reducerea-datoriilor.jpg\"},\"articleSection\":\"Sfaturi: finan\\u021bele personale\",\"author\":[{\"@type\":\"Person\",\"name\":\"TransferGo Team\"}],\"creator\":[\"TransferGo Team\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"TransferGo\",\"logo\":\"\"},\"keywords\":[],\"dateCreated\":\"2022-05-10T12:10:50Z\",\"datePublished\":\"2022-05-10T12:10:50Z\",\"dateModified\":\"2025-05-15T13:47:07Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/transfergo.com\/p.js"},"jetpack_featured_media_url":"https:\/\/www.transfergo.com\/wp-content\/uploads\/2022\/11\/reducerea-datoriilor.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16825","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/comments?post=16825"}],"version-history":[{"count":1,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16825\/revisions"}],"predecessor-version":[{"id":249124,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/posts\/16825\/revisions\/249124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media\/16826"}],"wp:attachment":[{"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/media?parent=16825"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/categories?post=16825"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/tags?post=16825"},{"taxonomy":"business_case_studies_tags","embeddable":true,"href":"https:\/\/www.transfergo.com\/ro\/wp-json\/wp\/v2\/business_case_studies_tags?post=16825"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}