How to Begin a Personal Finance Website (and Make Money)

How to Begin a Personal Finance Website (and Make Money)

There may be affiliate links inside this content. There is no additional cost to you if you choose to use the link and then make a purchase. Any opinions expressed here are just mine, so rest assured. My full affiliate disclosure may be seen here.

Personal finance is one of the most profitable niches in the blogosphere. ‘ Affiliate marketing and other monetization methods allow you to do more than just help others manage their finances. However, you must first learn to set up a personal finance blog correctly.

Student Loan Hero and Magnify Money, two of LendingTree’s sister sites, employ me as a senior writer, and I’ve learned a lot about running a financial blog. It was because of my work with Student Loan Hero that it was able to be sold for 60 million dollars.

It is possible to make money in the personal finance sector even if you are a small business.

Individuals run many personal finance blogs like oakpark’s $1000 loans, but a few have grown into multi-million dollar businesses. When Tim Chen started NerdWallet with just $800, the site was worth over $500 million. Tim Chen is a good example.

Step-by-step instructions on starting a personal finance blog may be found here.

1. A strategic specialty should be chosen.

Developing a personal finance blog begins with planning and strategy. As a personal finance expert, you want to discover your area of expertise.

To succeed, you need to focus your writing on a specific issue.

A specific focus is required to compete with the personal finance giants. In addition, I’m writing in a particular style. Having a particular area of expertise helps you develop authority and trust with your audience.

Niches in personal finance include

  • Savings for the future
  • The art of frugal living
  • Investing for novices
  • Give resuscitation credit.
  • Insurance
  • INTERNATIONAL WAR (Financial Independence, Retire Early)
  • Repayment of the loan by the borrower
  • Funding for college

The more specific you are in your niche, the better Google will be able to understand your site and its content.

Organic (unpaid) traffic is generated by well-ranked content. Traffic generates revenue.

By narrowing your focus to a specific niche, you may better grasp your target audience and their issues. Affiliate goods or digital products may benefit from this information.

Do you need someone with specialized knowledge?

One of the most popular topics in the personal finance blogosphere is how to pay off a lot of debt fast.

However, it is not necessary to have prior knowledge of a topic to do well.

You need to make sure that the information you are providing to your audience is accurate, thorough, and comprehensive.

Remember that blogs help people deal with issues like credit card debt and emergency savings.

2. Make a name for yourself that others will remember.

Your blog’s title is the next step. You’ll need to choose a name for your blog and a domain name (

Deciding on the name of your blog may be both exhilarating and terrifying.

Don’t worry about everything. The name of your blog is essential, but it won’t determine whether or not it succeeds or fails.

Don’t be afraid to take a risk.

Here are a few concepts for a blog and a domain:

  • Make it one of a kind. Domain names that have been purchased can’t be registered. You don’t want your blog to be mistaken for another. Come up with something new!
  • Cut it down to size. Increasingly, our attention spans are becoming shorter. Aim for no more than three memorable phrases.
  • Take advantage of the opportunity to make a statement. Blog names should match the topic they describefor example, Student Loan Hero. For women, Clever Girl Finance is a financial resource. A word that can grow with your skills is good if you want to do so in the future (but spend at least a year building authority in your chosen niche before trying another one).
  • Decide on for your website. While “.co” and “.io” domain names have appeared, “.com” is a safe bet because of its long history on Google.

3. Get a web host

It’s time to start your finance blog now that you have some ideas for it.

Purchase a web hosting plan first. There’s nothing more to it than that.

Free hosting providers (like Weebly’s) do exist, but you will have no control over your domain with these services. is the new domain name for your blog.

It doesn’t seem professional and won’t improve your website’s search engine rankings.

I recommend Bluehost if you want to monetize your financial blog.

With plans starting at only $3.95 a month, Bluehost is one of the most affordable web hosting providers.

The only problem with Bluehost is that their customer service isn’t always responsive. Siteground is an excellent choice if you emphasize excellent customer service.

They are just like Bluehost in speed, security, and customer service. Siteground, on the other hand, levies a monthly fee of $6.99.

I’ll teach you how to sign up for Bluehost since it’s less expensive. However, observe how similar Siteground’s registration process is to cPanel (you can check out Siteground here).

How to Sign Up for Bluehost

Create an account, choose a hosting plan, and then go to the next step. A 12-month, 24-month, or 36-month plan is offered, although a longer objective is more cost-effective than a shorter plan.

To get started, go to the Bluehost website. The Basic bundle is ideal for those who just want a single website.

Add security elements to your website as the last step. Domain Privacy and Protection is the only option worth considering.

Codeguard Basic provides automatic site backups if you’re willing to spend a bit extra. A separate backup plugin may be used, though.

4. WP-Administ

Installing WordPress is a mandatory step after acquiring a hosting plan. Your whole website is powered by WordPress, a content management system (your theme, blog, plugins, etc.).

Using Bluehost, you can have WordPress installed and set up for you immediately.

Find a “How to connect WordPress” guide on their website if you need help. Installing WordPress is as easy as clicking a single button regardless of your web host.

Make use of the site, not the one. There are many free plugins and themes available on

5. Install any required plug-ins.

After that, you’ll have to get a few essential WordPress plugins.

A “coming soon” or “in development” plugin is an excellent place to start. This plugin makes your site seem unfinished, which is beneficial while building it.

The plugin should be turned off after you’re done so that your new site may be seen by everyone else. Before going live, I recommend drafting 510 blog posts.

In addition to these plugins, I recommend the following:

  • Yoast SEO: This plug-in aids with keyword optimization.
  • MonsterInsights. For monitoring website traffic, this plugin may be integrated with Google Analytics.
  • W3TC. Using this plugin, your site will load faster (Google considers site speed when determining to rank).
  • Elementor. Pages may be created by dragging and dropping. Not essential, but may assist with the design of specific pages.

Your website may benefit significantly from plugins, which can be installed without coding.

Some plugins allow you to include an author bio and an affiliate disclaimer in your blog posts.

6. Theme and layout are the two most important aspects of a good website.

Decide on a design and get started on the construction of your website. Hundreds of free and paid blog designs are available on WordPress.

Using its free themes, you may keep costs low while having a professional-looking website.

It’s essential to keep in mind, though, that free themes may not always be the best option when it comes to site speed and customization.

More control over the look of your site is possible with the purchase of a theme. I appreciate the Divi theme because it allows me to create a visually appealing and user-friendly site. There is a slew of ready-made website layouts to choose from as well.

Divorce is $187 for a one-time payment of $67 a year (at writing).

It is possible to alter the theme. But it is usually easier, to begin with, a subject in mind. However, if you want to keep your blog-starting costs minimum, you may start with a free post.

7. Legal blogs and sites

Few bloggers take the critical step of including legal pages on their sites.

Terms and conditions and affiliate disclaimers, for example, may protect you from legal action.

However, you won’t face any legal action if your blog just has a few followers in the beginning. As your site grows, you may not remember to include legal pages, but you will be protected.

When launching a personal finance blog, legal pages are essential.

Thus, you are not legally accountable for your readers’ financial decisions.

You don’t know your readers’ situation doesn’t mean you can’t provide them with excellent advice.

I like Amira of A Self Guru’s legal pages for blogs, available for free online. With her help, you and your blog will be protected with legally sound template packages that are also easy to customize.

You must alter the templates and then upload them to your website. Using her templates, My Remote Bliss (see my Privacy Policy, Terms & Conditions, and Disclaimer below).

You may check out Amira’s legal documents here.

8. Get ready for your first blog post.

When your blog and website are up and running, it’s time to start writing.

To begin, I suggest reading comprehensive, long-form works in the field.

Use The Ultimate Guide to Raising Your Credit Score as the foundation for your credit repair blog. You should read The Beginner’s Guide to Retirement Savings first if you’re writing about retirement savings.

Conduct keyword research to write about topics that people are actively searching for.

Using Ubersuggest, you can assess how difficult it is to rank for specific keywords based on their monthly traffic.

Long-tail keywords should be the primary emphasis for newcomers (four words or more).

Below are some of the best resources for doing keyword research (free and paid).

Maintain a regular posting schedule.

It’s also good to post at least twice a week on your blog. Avoid producing low-quality material only to satisfy quotas at the same time.

Don’t worry if you don’t get a lot of traffic right now; it takes time to be ranked on Google.

Your blog will grow as long as you keep working at it.

Find out how to get your blog posts to the top of Google’s search results.

9. Earn money with the use of affiliate programs.

If you’re comfortable writing in your region, it’s time to monetize your blog.

Personal finance bloggers often use affiliate marketing.

You recommend affiliate products and services to your target audience. A reader who clicks on your link and makes a purchase is compensated for their actions by you.

Financial blogs that focus on personal finance may be quite profitable because of the high affiliate commissions (hundreds of dollars per transaction).

How do you become an affiliate? Firms have different policies.

Some companies have affiliate programs that you may join.

The affiliate marketplaces of others include

  • ShareASale
  • FlexOffers
  • Impact
  • CJ Associate
  • The FinCon Expo
  • Clickbank

After signing up, you can become an affiliate for one of these markets. You will be informed of the outcome of your application after it has been evaluated.

Some organizations need a certain amount of traffic each month, while others would accept you right away if you write on a topic of interest to them.

Your blog isn’t going to make any money unless it attracts a lot of traffic.

Also, certain types of blog posts are more lucrative than others. These,

  • The best product review articles
  • Product or service reviews are honest appraisals.
  • Reviewers compare two or more items or services to help customers make more informed purchasing decisions.

10. Get more people to visit your blog

Creating and monetizing a blog takes time. As a result, your primary goal should be to attract more visitors.

Consequently, your blog will rise in the rankings in search engine results when you write often.

To have a successful blog, building backlinks is essential. If other websites link to your financial blog, Google will elevate the authority of your own.

Backlinks are possible if you,

  • Offer to write a guest post for another website in exchange for a backlink to your own.
  • Link to each other’s blogs.
  • Become a source for a journalist (for example, on HARO).

Increasing readership may be done by:

  • Use Pinterest to share your content.
  • Set up a YouTube channel and start making videos.
  • It’s time to begin your podcast.
  • Get more followers on social media (on Instagram, Facebook, Twitter, etc.)

As a result, I don’t recommend pursuing all of these choices.

Writing high-quality blog posts that rank well on Google and generate organic traffic is my primary strategy.

However, SEO is a lengthy process, and there are other options.

One or two of the ideas listed above come to mind (choose the one where you spend the most time and feel most confident).

While some bloggers are more successful on Instagram, YouTube, or podcasts, others are more successful on these platforms. There is no one-size-fits-all answer to this question.

Spending a little bit of time and effort now might pay off handsomely in the long run.

Now that you know how to start a personal finance blog, it’s a cinch. Within a few hours, you can purchase hosting, set up your website, and begin blogging.

However, if you want to grow your blog, you’ll need to put in the time and work. Financial success may bring hundreds of thousands or even millions of dollars annually for a personal finance blogger.

You must put in the time and effort and never stop studying to succeed. Keep an open mind and remember that “solving” anything is possible.

Being a blogger takes a significant amount of study. Begin writing your finance blog as soon as possible. You’ll be a star!

Shirley K. Rosa