{"id":13049,"date":"2025-12-16T14:50:53","date_gmt":"2025-12-16T20:50:53","guid":{"rendered":"https:\/\/www.discover.com\/online-banking\/banking-topics\/?p=13049"},"modified":"2026-02-04T16:20:20","modified_gmt":"2026-02-04T22:20:20","slug":"how-to-manage-finances-as-a-freelancer","status":"publish","type":"post","link":"https:\/\/www.discover.com\/online-banking\/banking-topics\/how-to-manage-finances-as-a-freelancer\/","title":{"rendered":"How to manage finances as a freelancer: Money tips for the self-employed"},"content":{"rendered":"\n<p>Could logging in to your computer from a deluxe treehouse off the coast of Belize be the future of work? Maybe. For many, \u201cfreelance\u201d means flexibility, meaningful tasks, and better work-life balance.<\/p>\n\n\n\n<p>Who doesn\u2019t want to create their own hours, love what they do, and work from wherever they want? Freelancing can provide all of that\u2014but that freedom can quickly vanish if you don\u2019t know how to manage finances as a freelancer.<\/p>\n\n\n\n<p>\u201cA lot of the time, you don\u2019t know about these expenses until you are in the trenches,\u201d says Alyssa Goulet, a freelance copywriter.&nbsp;\u201cAnd that can wreak havoc on your financial situation.\u201d<\/p>\n\n\n\n<p>Some workers may choose to work in a freelance capacity hoping to increase their savings and their feelings of self-sufficiency. But for all its virtues, the cost of going freelance can carry some serious sticker shock.<\/p>\n\n\n<\/div>\n\n\n<div class=\"mx-auto block-quote block-quote--yellow-circles bg-fixed bg-center bg-no-repeat bg-cover z-0\">\n    <div class=\"block-quote__glow\"><\/div>\n    <blockquote class=\"post--constrain-large\">\n        <p>\u201cThere are many hats you have to wear and expenses you have to take on, but for that you&#8217;re gaining a lot of opportunity and flexibility in your life.\u201d<\/p>\n                    <footer class=\"block-quote__source\">Alyssa Goulet, freelance copywriter<\/footer>\n            <\/blockquote>\n<\/div>\n\n\n    <div class=\"post__content\">\n\n\n\n\n<p>Most people who freelance for the first time don\u2019t realize that everything\u2014from taxes to business software to retirement planning\u2014is on them. Learning how to manage your finances as a freelancer early on will help set you up for success.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The key to budgeting as a freelancer is to plan for five expenses: taxes, business expenses such as your workspace and tools, health insurance, retirement savings, and general business costs.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-taxes-for-freelancers-and-the-self-employed\">1. Taxes for freelancers and the self-employed<\/h2>\n\n\n\n<p>First things first: Don\u2019t try to be a hero. When determining how to budget and manage your taxes as a freelancer, you\u2019ll want to consult a financial advisor or tax professional for guidance. A tax expert can help you determine what makes sense for your personal and professional situation and provide financial advice to help you build your freelance business.<\/p>\n\n\n\n<p>For instance, just like regular employees, freelancers owe federal income taxes, as well as Social Security and Medicare taxes. When you\u2019re employed by an organization, you and your employer each pay half of these taxes on your income, <a href=\"https:\/\/www.irs.gov\/taxtopics\/tc751\" target=\"_blank\" rel=\"noreferrer noopener\">according to the IRS<\/a>. But when you\u2019re self-employed (earning more than $400 a year in net income), you\u2019re expected to file and pay these taxes yourself, <a href=\"https:\/\/www.irs.gov\/businesses\/small-businesses-self-employed\/estimated-taxes\" target=\"_blank\" rel=\"noreferrer noopener\">the IRS says<\/a>. And if you think you\u2019ll owe more than $1,000 in taxes for a given year, you may need to pay quarterly taxes.<\/p>\n\n\n\n<p>That can feel like a heavy hit when you\u2019re not used to planning for these costs. \u201cIf you\u2019ve been on a salary, you don\u2019t think about taxes really,\u201d says Susan Lee, CFP<sup>\u00ae<\/sup>, a tax preparer and founder of a website that provides tax information for freelancers. \u201cYou think about the take-home pay. With freelance, everything is take-home pay.\u201d&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2120\" height=\"870\" src=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE.jpeg\" alt=\"Illustration of a hand holding a smart phone and a finger tapping it.\" class=\"wp-image-13059\" srcset=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE.jpeg 2120w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE-300x123.jpeg 300w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE-780x320.jpeg 780w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE-768x315.jpeg 768w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE-1536x630.jpeg 1536w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2022\/08\/How-To-Manage-Finances-As-a-Freelancer-1-INARTICLE-2048x840.jpeg 2048w\" sizes=\"auto, (max-width: 2120px) 100vw, 2120px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-estimating-what-you-ll-owe\">Estimating what you&#8217;ll owe<\/h3>\n\n\n\n<p>Once you determine how often you\u2019ll need to file taxes, Lee recommends doing a \u201cdummy return,\u201d which is an estimation of your annual self-employment income and expenses. You can come up with this number by looking at past assignments, industry standards, and future projections for your work\u2014which Goulet also finds valuable.<br><br>Then, use that number to refine your estimate. \u201cI determine the tax bracket I\u2019m most likely to fall into by taking my projected monthly income and multiplying it by 12,\u201d Goulet says. \u201cIf I experience a big income jump because of a new contract, I redo that calculation.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-budgeting-for-what-you-ll-owe\">Budgeting for what you&#8217;ll owe<\/h3>\n\n\n\n<p>After you estimate your income, you can determine how much money to set aside for your tax payments. Lee recommends saving around 25% of your income to pay your income tax and a self-employment tax (which funds your Medicare and Social Security). Once you subtract your business expenses from your freelance income, however, you may not need to pay that entire amount, according to Lee.<br><\/p>\n\n\n\n<div class=\"wp-block-mcd-blocks-pro-tip\"><div class=\"pro-tip-wrapper\"><p class=\"pro-tip-heading\">Pro Tip:<\/p><\/div><p class=\"pro-tip-content\">Adjust your estimates often\u2014and always round up. \u201cLet\u2019s say, in one month, a freelancer determines she would owe $1,400 in tax. I\u2019d put away $1,500,\u201d Goulet says.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-business-expenses-for-freelancers-get-a-handle-on-two-big-deductions\">2. Business expenses for freelancers: Get a handle on two big deductions<\/h2>\n\n\n\n<p>For freelancers, tax deductions can yield big savings\u2014if you know where to look for them. From the mileage you log between appointments to supplies for your home office to fees for coworking spaces, many freelance business expenses may be deductible, according to Lee.<\/p>\n\n\n\n<p>The costs of freelancing vary from person to person. Some freelancers are happy to work from their kitchen tables, while others require a sophisticated (read: expensive) setup. Your freelance expenses will also change as you add new tools to your business arsenal.<br><br>Here are two budget categories you\u2019ll need to account for as a freelancer:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-renting-or-furnishing-your-workspace\">Renting or furnishing your workspace<\/h3>\n\n\n\n<p>Joining a coworking space can help you establish the camaraderie you might miss when working at home alone. Yet these workspaces may charge membership dues, ranging from $20 for a day pass to hundreds of dollars per month for a dedicated desk or private office\u2014something to consider when you\u2019re calculating the cost of freelancing.<\/p>\n\n\n\n<p>Coworking spaces may be all the rage, but you can still rent a traditional office space for several hundred dollars a month or more. However, this fee usually doesn\u2019t include networking events or other membership perks like food and drink.<\/p>\n\n\n\n<p>If you want to avoid office rent or dues but don\u2019t want the kitchen table to pull double duty as your workspace, you might convert another room in your home into an office. When <a href=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/home-office-on-a-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">planning a home office on a budget<\/a>, all it takes is a little creativity and know-how to create a functional, productive workspace.<\/p>\n\n\n\n<p>Amy Hardison, a freelance copywriter and content strategist, retrofitted part of her house into a simple office. \u201cI got a standing desk, a keyboard, one of those adjustable stands for my computer, and a squishy mat to stand on so my feet don\u2019t hurt,\u201d Hardison says.<\/p>\n\n\n\n<div class=\"wp-block-mcd-blocks-pro-tip\"><div class=\"pro-tip-wrapper\"><p class=\"pro-tip-heading\">Pro Tip:<\/p><\/div><p class=\"pro-tip-content\"><meta charset=\"utf-8\"\/>Start with the absolute necessities. When Hardison launched her freelance career, she purchased a laptop for $299 and worked out of a coworking space\u2014using its office supplies before creating her own workspace at home.<\/p><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-going-digital-freelancing-business-tools\">Going digital: freelancing business tools<\/h3>\n\n\n\n<p>There are a range of digital tools, including business and accounting software, that can assist with the majority of your business functions. These digital tools for freelancers can save you valuable time, which you can then invest back into growing and marketing your business.<\/p>\n\n\n\n<p>The right business software can also help you avoid financial lapses as you grapple with how to manage finances as a freelancer. Hardison\u2019s freelance business had ramped up to a point where a manual process was costing her money, so using invoicing software became a no-brainer.<\/p>\n\n\n\n<p>\u201cI was sending people attached document invoices for a while and keeping track of them in a spreadsheet,\u201d Hardison says. \u201cAnd then I lost a few of them, and I just thought, \u2018Oh, my God, I can\u2019t be losing things. This is my income!&#8217;\u201d<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"410\" src=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-3_02-INARTICLE.jpg\" alt=\"As you navigate freelance money management, consider digital tools and accounting services to keep track of invoices, payments, and income.\" class=\"wp-image-22741\" srcset=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-3_02-INARTICLE.jpg 1000w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-3_02-INARTICLE-300x123.jpg 300w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-3_02-INARTICLE-780x320.jpg 780w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-3_02-INARTICLE-768x315.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>You might use digital business and software tools to help manage scheduling, web hosting, accounting, audio\/video conferences, and other business operations. When you\u2019re determining how to budget as a freelancer, remember that the costs for these services depend largely on your needs.&nbsp;<\/p>\n\n\n\n<p>For instance, several invoicing platforms offer options for as low as $9 per month, though the cost increases the more clients you add to your account. Accounting services also scale up based on the features you want and how many clients you\u2019re tracking, though you can find reputable platforms that cost as little as $5 per month.<\/p>\n\n\n\n<div class=\"wp-block-mcd-blocks-pro-tip\"><div class=\"pro-tip-wrapper\"><p class=\"pro-tip-heading\">Pro Tip:<\/p><\/div><p class=\"pro-tip-content\">If you sign up for a business or accounting software platform, start with the \u201cfreemium\u201d version, where the first tier of service is always free, Hardison says. Once you have enough clients to warrant the expense, upgrade to the paid level with the lowest cost. Gradually adding services will keep your expenses proportionate to your income.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-health-insurance-for-freelancers-harness-an-inevitable-cost\">3. Health insurance for freelancers: Harness an inevitable cost<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/your-guide-to-budgeting-for-healthcare-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\">Saving for healthcare costs<\/a> can be one of the biggest hurdles to self-employment and successfully learning how to manage finances as a freelancer. In 2024, the average monthly premium under the Affordable Care Act (ACA)\u2014for those who do not receive discounts due to qualifying income\u2014was $469 for a 40-year-old individual and $1,491 for families of four, <a href=\"https:\/\/www.forbes.com\/advisor\/health-insurance\/how-much-is-obamacare\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">according to Forbes<\/a>.<br><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"410\" src=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-4_02-INARTICLE.jpg\" alt=\"A couple looks at a laptop together.\" class=\"wp-image-22742\" srcset=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-4_02-INARTICLE.jpg 1000w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-4_02-INARTICLE-300x123.jpg 300w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-4_02-INARTICLE-780x320.jpg 780w, https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-content\/uploads\/2025\/12\/How-To-Manage-Finances-As-a-Freelancer-4_02-INARTICLE-768x315.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u201cBuying insurance is really protecting against that catastrophic event that is not likely to happen. But if it does, it could throw everything else in your plan into a complete tailspin,\u201d says Stephen Gunter, CFP<sup>\u00ae<\/sup>, a financial advisor at a wealth management firm.<\/p>\n\n\n\n<div class=\"wp-block-mcd-blocks-pro-tip\"><div class=\"pro-tip-wrapper\"><p class=\"pro-tip-heading\">Pro Tip:<\/p><\/div><p class=\"pro-tip-content\"><meta charset=\"utf-8\"\/>Speak with an insurance advisor who can help you determine which plans are best for your health needs\u2014and your budget. An advisor may be willing to offer a free consultation so you can gather important information before making a financial commitment.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-retirement-savings-for-the-self-employed-learn-to-set-it-and-forget-it\">4. Retirement savings for the self-employed: Learn to \u201cset it and forget it\u201d<\/h2>\n\n\n\n<p>Part of learning how to budget as a freelancer is thinking long-term, which includes <a href=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/why-you-need-to-make-a-retirement-budget\/\" target=\"_blank\" rel=\"noreferrer noopener\">estimating retirement expenses<\/a>. That may seem daunting when you\u2019re navigating new business expenses, but <a href=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/make-saving-for-retirement-a-reality\/\" target=\"_blank\" rel=\"noreferrer noopener\">saving for retirement<\/a> is a big part of budgeting when you\u2019re self-employed, Gunter says.<br><br>\u201cIt\u2019s kind of the miracle of&nbsp;compound interest,\u201d Gunter says. \u201cThe sooner we can get it invested, the sooner we can get it saving.\u201d<br><br>His freelance money management tip? Set aside whatever you would have contributed to an employer\u2019s 401(k) plan and put it on autopilot. One way to do this might be to set up an automatic transfer from your primary checking account to your savings or retirement account.<br><br>\u201cSo, if you would have put in 3% [of your income] each month, commit to saving that 3% on your own,\u201d Gunter says.<\/p>\n\n\n\n<div class=\"wp-block-mcd-blocks-pro-tip\"><div class=\"pro-tip-wrapper\"><p class=\"pro-tip-heading\">Pro Tip:<\/p><\/div><p class=\"pro-tip-content\">Prioritize retirement savings every month, not just when you feel flush. \u201cSaying, \u2018I\u2019ll save whatever is left over\u2019 isn\u2019t a savings plan because whatever is left over at the end of the month is usually zero,\u201d Gunter says.<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-general-business-expenses-update-your-rates-to-cover-them\">5. General business expenses: Update your rates to cover them<\/h2>\n\n\n\n<p>With time<strong>,<\/strong> you\u2019ll likely find that one of the best financial tips for freelancers is to build your costs into what you charge. \u201cAs I\u2019ve discovered more business expenses, I definitely take those into account as I\u2019m determining what my rates are,\u201d Goulet says.<br><br>She notes that freelancers sometimes feel guilty for building business costs into their rates, especially when they\u2019re worried about the fees they charge to begin with. But working these costs into your rates is essential to sustainable money management\u2014and building a thriving freelance career.<br><br>Your expenses will change over time, so reevaluate the rates you charge annually. It\u2019s also wise to do quarterly and yearly check-ins to assess your income and costs and see if there are any processes you can automate to save time and money.<br><\/p>\n\n\n<\/div>\n\n\n<div class=\"mx-auto block-quote block-quote--glow-circle bg-fixed bg-center bg-no-repeat bg-cover z-0\">\n    <div class=\"block-quote__glow\"><\/div>\n    <blockquote class=\"post--constrain-large\">\n        <p>\u201cA lot of the time, you don\u2019t know about these expenses until you are in the trenches, and that can wreak havoc on your financial situation.\u201d<\/p>\n                    <footer class=\"block-quote__source\">Alyssa Goulet, freelance copywriter<\/footer>\n            <\/blockquote>\n<\/div>\n\n\n    <div class=\"post__content\">\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-knowing-how-to-manage-finances-as-a-freelancer-is-the-key-to-a-successful-career-nbsp\">Knowing how to manage finances as a freelancer is the key to a successful career&nbsp;<\/h2>\n\n\n\n<p>When you understand how to manage finances as a freelancer\u2014effectively accounting for the costs of being self-employed\u2014you can build the foundation of a long (and, with luck, lucrative) freelance career. From planning for taxes to saving for retirement, smart money management can provide you with much-needed financial stability and peace of mind if and when you decide to strike out on your own.&nbsp;&nbsp;<\/p>\n\n\n\n<p>\u201cThere are many hats you have to wear and expenses you have to take on,\u201d Goulet says. \u201cBut for that, you\u2019re gaining a lot of opportunity and flexibility in your life.\u201d<\/p>\n\n\n\n<p>Working as a freelancer has its benefits, but it also means your pay can fluctuate from month to month. If you want to be even more prepared for freelance money management, then find out <a href=\"https:\/\/www.discover.com\/online-banking\/banking-topics\/4-tricks-for-budgeting-on-a-fluctuating-income\/?ICMPGN=OS-BK-ARTCTA\" target=\"_blank\" rel=\"noreferrer noopener\">how to make a budget when you have an irregular income<\/a>.<\/p>\n\n\n\n<p class=\"disclaimer\">Articles may contain information from third parties. The inclusion of such information does not imply an affiliation with the bank or bank sponsorship, endorsement, or verification regarding the third party or information. Nothing contained in this article shall give rise to, or be construed to give rise to, any obligation or liability whatsoever on the part of Discover, a division of Capital One, N.A., or its affiliates.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Take the proper steps to thrive while you&#8217;re self-employed.<\/p>\n","protected":false},"author":15,"featured_media":22739,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17,78,5697,80],"tags":[114,34,108,142,117,55,111,136,113,134,130,104,105,110,143,39,99,49,103,116],"class_list":["post-13049","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","category-career","category-enhancing-your-budget","category-work","tag-401k","tag-budgeting","tag-budgeting-basics","tag-career-tips","tag-compound-interest","tag-financial-goals","tag-financial-plan","tag-frugal-living","tag-healthcare-costs","tag-job-security","tag-long-term-saving","tag-managing-your-money","tag-money-saving-tips","tag-retirement-planning","tag-salary","tag-saving","tag-savings-strategies","tag-spending","tag-starting-out","tag-tax-advantages"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/posts\/13049","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/comments?post=13049"}],"version-history":[{"count":37,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/posts\/13049\/revisions"}],"predecessor-version":[{"id":22744,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/posts\/13049\/revisions\/22744"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/media\/22739"}],"wp:attachment":[{"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/media?parent=13049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/categories?post=13049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.discover.com\/online-banking\/banking-topics\/wp-json\/wp\/v2\/tags?post=13049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}