Personal Finance Blogs: Definition, Types, Income and 25 Examples [2022]

Do you want to make money online?

If you have experience with money issues, you should consider some personal finance blogs.

You can use those blogs as examples for your new website.

Then, you’ll know what topics to cover and how to promote your site to get traffic and make money.

Keep reading to learn about personal finance blogs, examples, and how to start your blog.

What Is a Personal Finance Blog?

A personal finance blog is a website that publishes posts about finance for individuals.

It can be a general blog about personal finance, or it can focus on one topic within that, such as debt.

The blog will have as few as a dozen posts or as many as hundreds or thousands.

What Does a Personal Finance Blogger Blog About?

A personal finance blogger can blog about anything relating to money.

Some bloggers may tie all of their articles back to their life experiences.

Others might share tips and tricks, even for situations they haven’t encountered.

What Is Included on a Personal Finance Blog?

A personal finance blog can include a variety of things.

At the start, the blog will mainly consist of articles, but the blogger can also share products and other pages.

Every personal finance blog is different, so consider a few things you might find on these blogs.

As you start your blog, focus on the following elements.

1. Articles

The most common feature of personal finance blogs is articles.

Even the newest money blog will have at least an article or two on the site.

Of course, older blogs will usually have more posts since they’ve been around longer.

Some blogs list the most recent articles on the home page.

Others will share the most popular posts to help attract readers.

2. Pages

To help readers learn about the blog, a blogger might include a few pages.

Common pages to include are an about page and a contact page.

Use the about page to describe yourself and what inspired you to start a personal finance blog.

You can use the contact page to encourage readers to email you.

Finally, you might create category pages to help readers find the type of articles they want to read.

3. Other Media

Many personal finance blogs will also contain other types of media aside from words.

A blogger can include images or videos on their website.

Images and videos can help convey information that’s hard to write about.

For example, a blogger might film a tutorial on how to use a popular finance app.

That way, readers can understand the concept more easily.

4. Products

After running a personal finance blog for a while, the blogger will probably want to make some money from it.

While bloggers can use various monetization strategies, products are great.

A blogger might create an online course on finance topics.

Some bloggers also sell printable budget trackers and other worksheets.

They may have a page listing all of their products to help increase sales.

5. Services

If a personal finance blogger has credentials, they may choose to offer services.

They can work as a financial advisor and help clients with their money.

A personal finance blog is the perfect tool to promote such a service.

However, not all bloggers in this niche should offer financial services.

You should obtain official training to make sure you don’t do wrong by your clients.

Other Things That You Can Find on a Personal Finance Blog

A personal finance blog may have a variety of other features.

You can include new things to make your blog stand out.

Here are few examples to include on your blog:

• Search Bar: As you publish more posts having a search bar allows your readers to look for the specific topic they want to read about.
• Display Ads: Display ads are an easy way for many personal finance bloggers to monetize their website.
• Email Signup: If you want to contact your readers easily, you need to set up an email list and add a signup form to your blog.
• Social Sharing Buttons: Share buttons make it easy for your readers to share your content with their friends and family.

Types of Personal Finance Blogs

You can find a few types of blogs in the personal finance space.

And fortunately, all of these are different types of blogs that make money:

• Personal Finance Blogs for Kids: These blogs target kids and parents and revolve around how to talk to kids about money and similar topics.
• Personal Finance Blogs for Credit Management: A blog in this category will focus on paying off debt, choosing the right credit cards, and improving your credit score.
• Personal Finance Blogs for Frugal Living: Frugal living blogs cover how to manage your money and how to save on essential expenses, such as rent or food.
• Personal Finance Blogs for Retirement: Blogs that focus on retirement cover investing and different retirement accounts you can set up.
• Personal Finance Blogs for Passive Income: A passive income blog will share tips and tricks to make passive income, such as online or through investments.

Best Personal Finance Blogs: 25 Examples

If you want to start a personal finance blog, you should consider some examples.

While you don’t want to copy existing blogs, you can use them for inspiration.

That way, you can choose a topic within personal finance that you enjoy.

And you can use that to start brainstorming post topics to get content online.

How Many Personal Finance Blogs Are There?

According to Modest Money, there are at least 546 personal finance blogs.

However, that number only accounts for the top blogs in the field.

There are probably hundreds or even thousands more blogs out there.

Some of those blogs may not get much traffic if any.

Only a small percentage get a ton of views, so consider a few examples.

Personal Finance Blogs for Kids

If you’re a parent or want to be, you may choose to start a finance blog for kids.

These blogs are great for parents and children who want to learn about money.

Here are some excellent examples of this sub-niche.

1. Money Time Kids

Money Time Kids aims to teach money management to kids.

That way, they can help the next generation lead better lives.

While they don’t post on the blog often, there are a variety of posts to help young people, and there’s a newsletter and a school so people can learn more.

Those resources cost money, but they’re a nice example of how to monetize your new blog.

2. The Money Mammals

The Money Mammals has a blog called The Raising Money-Smart Kids Blog.

Recent posts cover topics such as debt and budgeting, and there are topics for parents as well.

This blog sells books and other products to make money, and they partner with credit unions.

3. Allen Investments

Allen Investments has a Kids & Money Blog section on its site.

The blog covers budgeting and talking to your children about money.

It’s primarily for parents, but it covers how to educate kids on financial topics.

The writer is a financial planner, so you can learn a lot, and you’ll know the information is good.

4. The College Investor

If you have teenagers, they may want to read The College Investor.

The blog reviews bank accounts and shares tips for making money as a teenager.

It also covers student loans, stocks, and budgeting tools.

They publish new posts almost daily, so there’s always something to learn, and college grad students can continue to read the blog.

5. Studenomics

Another blog for teens is Studenomics, and it covers making money, investing, and more.

The blog is great because teens can start reading it.

However, there are plenty of topics for young adults and college graduates, so they can learn from the blog for years.

This blog is an excellent example of using the name to showcase the ideal reader (students).

Personal Finance Blogs for Credit Management

Managing your credit is vital to maintaining financial health.

However, it can be overwhelming to learn how the credit reporting system works.

If you understand credit, you can use the following blogs to inspire your own personal finance website.

1. CreditRepair.com

As the name suggests, CreditRepair.com specializes in helping its customers improve their credit.

One of the ways the site does that is through a blog.

Topics include paying your credit card bill and requesting a credit increase.

While it’s not the focus of the website, the blog has a lot of good information.

2. Doctor of Credit

Doctor of Credit offers tips and tricks on credit cards, credit scores, and bank accounts.

They publish a new post once an hour on some days, which may be out of reach for you.

However, that allows them to share more resources and help their readers.

There are also daily deals you can find on the site and a knowledge base with more resources.

3. Elite Personal Finance

Another great blog about credit is Elite Personal Finance.

Some of the categories include credit cards, debt, and credit reports.

Recent posts have covered the best loans, including loans for people with bad credit.

The blog also covers credit scores and how to get your score up.

4. Wallet Hacks

Wallet Hacks is a blog that only provides free information, so there are no products or services.

The owner, Jim, covers credit card reviews and bank promotions.

While the blog covers other finance topics, the articles about credit management are valuable.

You can use this blog to inspire yours if you want a general personal finance blog that covers multiple topics well.

5. Physician on FIRE

Physician on FIRE is a more general personal finance blog, but one of the main categories is credit cards.

You can read about the best credit cards and how to set yourself up for early retirement with the financial independence/retire early (FIRE) movement.

Personal Finance Blogs for Frugal Living

Almost anyone can stand to save a bit of money.

Some personal finance blogs focus on helping readers do just that.

They might have some posts on other topics, but the following blogs are great for readers who want to spend less.

1. Clever Girl Finance

Clever Girl Finance helps readers and offers articles and courses for free.

Recent posts have covered inexpensive gift ideas, having a staycation, and saving for a down payment.

While they do have free resources, there are a few books you can buy to learn more.

2. Women Who Money

Another blog to help readers save money is Women Who Money.

They’ve covered topics such as Buy Now, Pay Later programs, and warehouse memberships, such as Sam’s Club.

The blog also has articles on making money, investing, and entrepreneurship.

While it focuses on women, anyone can enjoy the articles.

3. A Dime Saved

A Dime Saved has many articles on how to spend less on things.

For example, they’ve covered cheap laundry detergents and shopping for back to school on a budget.

This blog appears to target parents, but any adult can learn a little something, and it’s a good example for your blog.

4. Frugalwoods

A couple started Frugalwoods when they decided to leave the city and live off the grid.

Now, they share their experience, such as monthly expense reports.

As their audience has grown, they’ve started to post case studies on the financial situations of their followers.

If you want to live off the grid, this blog is a great resource, and it’s proof you can share your experience.

5. Budgets Are Sexy

Many people find budgets boring or scary, but Budgets Are Sexy wants to change that.

Readers can find budget templates and other resources to start tracking their spending.

There are also reviews of books and financial tools and posts on side hustles and other topics.

Personal Finance Blogs for Retirement

Another excellent sub-niche within personal finance is retirement.

Saving for the future can seem unnecessary for some, but you might want to start a blog about it.

If you’ve had to save for retirement, use the following blogs to inspire yours.

1. Money Smart Guides

Money Smart Guides teaches readers how to pay off their debt and build wealth.

Those two things can allow you to live out your dreams.

One of the major categories on the site is retirement and includes retirement calculators and a free retirement guide.

2. How Much Can I Afford to Spend in Retirement?

This blog is all about planning your budget for when you retire.

Its mission is to help you calculate risks regarding retirement.

That way, you can better prepare for your future, and you can read posts on portfolio mixes and couples planning.

This blog uses Blogger and is a good example of how to use that platform.

3. Retire by 40

Joe started Retire by 40 after he retired from engineering when he was 38.

He writes about passive income so that he can still earn after leaving his job.

Articles also cover spending advice during inflation and financial independence milestones.

If you want to retire early, let this blog inspire you and the posts you write for your blog.

4. The Retirement Manifesto

The Retirement Manifesto is another fantastic blog in this category.

It covers health insurance for early retirement, money management, and more.

You can also find worksheets, books, and other resources to download or buy from the site.

5. Real Deal Retirement

The three main categories on Real Deal Retirement are saving, investing, and retirement income.

Recent articles have covered how to recover from starting to save for retirement late and how to maximize retirement income.

This blog is a great example for readers and aspiring bloggers.

Personal Finance Blogs for Passive Income

Who doesn’t want to earn some extra money without having to work all of the time?

Some personal finance blogs focus on passive income to help readers with that goal.

Consider the following examples.

1. Smart Passive Income

Smart Passive Income shares reviews, interviews, and tutorials.

While you can learn a lot for free, the blog also sells courses that go more in-depth.

The courses and articles help readers learn how to make money in their free time.

2. No Passive Income

Another excellent blog in this category is “No Passive Income.”

It covers making money online, using SEO, and using social media to make money.

While not all of the topics are about passive income, many are, and the other subjects can still help you earn an income.

3. Master Passive Income

Master Passive Income teaches readers how to make money without having a job.

The blog has covered how to make more money with inflation.

Founder Dustin offers courses and coaching, and he has a free training course.

However, the blog has plenty of information for readers.

4. Passive Income Wise

Francisco started Passive Income Wise in 2015 and has helped thousands earn money.

He focuses on how you can start a blog to make passive income.

Other topics focus on growing your traffic and monetizing your website.

5. Great Passive Income Ideas

The blog Great Passive Income Ideas shares investing and other strategies.

some blogs on passive income focus on online businesses, this one covers real estate.

It also talks about working from home, so there’s something for everyone.

You can go the traditional route with investing and real estate properties, set up online income streams, or both.

Similar Blogging Types to Check Out

As you review personal finance blogs, you may find some interesting.

However, you might want to take your blog in a slightly different direction.

Consider the following alternatives to personal finance blogs.

1. Crypto Blogs

If you know a lot about cryptocurrency, consider looking at crypto blogs.

You can start your own blog where you write about investing in crypto.

Maybe you focus on one cryptocurrency, such as bitcoin, or you might cover all options.

2. E-Commerce Blogs

E-commerce blogs focus on selling products online.

You can write articles on how to start an online shop and how to market your business.

If you want to tie it back into personal finance, you could share how an e-commerce business can help people make money from home.

3. Retirement Blogs

We covered a few examples of retirement blogs as it relates to personal finance.

However, you could start a general retirement site.

For example, you may cover the best places to live when you retire or how to spend your extra free time.

Do Personal Finance Blogs Make Money?

Money is probably one of the most common motivations for starting a blog.

You won’t get rich overnight, but some successful bloggers earn a living from their websites.

However, if you publish content consistently and grow an audience, you can eventually start to make some money.

Then, you can increase your earnings to reach your goals.

How Do Personal Finance Blogs Make Money?

Personal finance blogs make money from display ads, affiliate marketing, sponsorships, and digital or physical products.

Ads and affiliate marketing are the easiest to start but usually pay the least.

Experienced bloggers can launch a product of their own.

Then, they can make a larger cut of each sale.

How Much Do Personal Finance Blogs Make?

Some bloggers can make good money from their content.

The most successful bloggers earn six or seven figures per year, but they may have more expenses, like employee salaries.

On the other end of the spectrum, some finance blogs make $0.

These blogs tend to be new and get little traffic.

However, larger blogs won’t make money if you don’t set up systems for monetization.

Across all industries, the average blogger makes around $39,000 a year.

You might make more or less depending on your traffic and the ways you make money.

Products to Promote and Sell on a Personal Finance Blog

If you want to make money from your blog, you need to choose the right products.

Luckily, the personal finance niche has a ton of options.

One way you can make money is by referring people to business credit cards.

You can recommend the best cards for certain people.

When someone signs up, you’ll get a commission for that sale.

Personal finance blogs can promote relevant products, such as budget planners, bank accounts, and personal finance books or courses.

Think about the sub-niche you want to write about.

For example, a blog about passive income might promote website hosting to those wanting to start their own blogs.

How to Become a Personal Finance Blogger

After reviewing some examples, you may want to learn how to start a blog on personal finance.

That way, you can take advantage of the internet to earn an income.

Follow these steps to set your new blog up for success.

1. Determine the Direction of the Blog

First, you need to do keyword research to uncover opportunities.

The personal finance niche is quite saturated, so it can be hard to break into it with a new blog.

However, if you find a topic no one is covering, you can use that to set your blog apart.

As you research keywords, track them on a document or spreadsheet and choose the direction with the best potential.

2. Select a Niche

After you research keywords, you may find one niche has less competition than others.

That can help you decide how to choose the right niche.

However, you can also use your interests or experience in personal finance.

If you’ve paid off debt, you could make that the focus, for example.

3. Select a Name

After you choose a niche, the next step is coming up with a blog name.

You can use your name, which is great if you’re still debating on niches.

If you have a niche in mind, you can incorporate that into the name.

Either way, make the name short and easy to spell so that it’s memorable and readers can find your blog again.

4. Select a Blogging Platform

Another crucial step in setting up a blog is choosing a blogging platform but there are a lot of different blogging platforms available.

You can compare a few different blogging platforms available.

WordPress is the most popular, but Blogger and Ghost are a couple of excellent alternatives.

Some platforms cost more than others, so keep that in mind as well.

5. Register a Domain Name

When you choose your blog name, you’ll want to register the domain.

Consider the best domain registrar for you.

That way, you can buy the name you want and ensure you maintain ownership of it in the future so that your blog doesn’t go down.

6. Get Web Hosting

If you want to go with WordPress, you’ll need to choose a hosting company and plan.

We suggest managed WordPress hosting since it’s specific to the platform.

If you choose another blogging platform, you won’t need to worry about hosting.

7. Build the Blog

Now, you need to set up your blog within WordPress or whatever platform you select.

The elements apply to WordPress blogs, but there may be equivalents on other platforms.

Either way, your blog should have some of the following.

Themes

If you want to avoid coding, you need to install a WordPress theme, which is what helps create the design of your site.

That way, you can customize it and get your site ready to go quickly.

You can use a free theme that comes on your site already, or you can install a premium theme from WordPress or another developer.

Plugins

WordPress plugins help extend the functionality of your site.

Be sure to install plugins for analytics, SEO, and other features.

Some plugins are free and have premium features that you pay for yearly or monthly.

Others cost money overall, so compare your options to your budget to choose the right ones.

Essential Pages

Be sure to set up an about page, a contact page, and other essential pages for your blog.

That way, people can learn more about you and why you started your website.

You can create the pages in WordPress and add text, pictures, and other media.

On your contact page, be sure to include a contact form for people to use.

8. Produce Content for the Blog

Next, you should start creating content for your blog.

Write a few posts that you can publish right away, and consider writing a few more to schedule out so that you have new content ready to go for a while.

You should also create a content calendar so that you publish new posts regularly to help build your blog.

9. Launch the Blog Publicly

Launching a new blog can be scary, but you have to do it sometime.

When you have a few posts ready, you can publish the blog for the world to see.

You don’t need to wait until it’s perfect because you can always update your blog later.

10. Promote the Blog

After your blog is live, you need to get traffic to it.

Consider a few ways to promote a blog post, from social media to email.

Be sure to set goals for your marketing strategy so that you can track its success.

Frequently Asked Questions

Before you start a personal finance blog, you may have some questions.

Here’s what you should know.

Wrapping Up

You can find hundreds of personal finance blogs on the internet.

But don’t let that stop you from starting a new blog about the subject.

You can choose a smaller niche, such as investing or passive income to help build authority in one area and gain readers.

Be sure to consider the right blogging platforms and plugins as well.

That way, you can set your blog up for success.