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How do personal finance blogs make money? 

Are you interested in the personal finance niche? or you probably need more insight into how personal finance blogs are monetised.


This article is the right resource for you because you will learn the key ways to make money with a personal finance blog, including useful ideas and tips to help anyone kickstart their blogging journey in this niche. 


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Is personal finance a profitable niche? 


Personal finance ranks among the most profitable niches on the internet. It has many sub-niches with high demand. These include investing, loans, saving money, budgeting, mortgages, insurance, frugal living etc. 


Each niche in personal finance addresses a problem or answers questions relating to personal income, expenses or opportunities to make money for oneself. 


Personal finance keywords have over 22,200 and  60,500 searches on Google and YouTube respectively. The niche has low-paid competition. 

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Personal finance keyword research (Google)


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Personal finance keyword search volume on YouTube


However, personal finance keywords have an SEO difficulty of 87+, which makes the niche competitive for beginners, in terms of organic traffic generation. 


Narrowing it down to a specific sub-niche is key to succeeding in this niche.

Are personal finance blogs profitable? 


Personal finance blogs are among the most lucrative blogging businesses in the world. 


Personal Finance has an $8.62 average cost per click. This makes monetization with ad networks easy in the first few months after launch. 


Your profitability depends on your monetization methods and traffic. 

Traffic is the oxygen of every website. 


To drive traffic to your site, you need to write SEO-optimised content.


Also Read: How To Become An SEO Content Writer (The Complete Guide)


How much do Personal Finance Blogs Make?


It depends on how much traffic a personal finance blog gets and the monetization strategy in use.


The top personal finance bloggers make $200,000 to one million dollars a year from the sale of goods and services, combined with affiliate commissions and ad revenue.


Top Earners in the Personal Finance Niche

The list below shows statistics on personal finance blog traffic and their income report for top personal finance bloggers in the world. 


1. The Money Habit 



Founder: J.P Livingston 

Monthly Income: $7,708 (2022 monthly average) 

Traffic: Over 120,000 page views (Source: similar web)

Blog’s Age: 6 years (Launched in 2016)

Monetization: Affiliate marketing and Ad revenue 


According to CNBC, J.P Livingston retired with 2.25 million dollars at age 28. The Money Blogger makes 96 per cent of her income from affiliate marketing. J.P. Livingston spends only 5 hours a week blogging and earns an average of $92,496 annually. 


2. The Practical Saver



Founder: Allan Liwanag 

Monthly Income: $7,864.5 (2022 monthly average

Traffic: Over 16,000+ monthly page views (Source: similar web)

Blog’s Age: 6 years+  (Launched in 2016)

Monetization: Sponsorships, Affiliate marketing and Ad revenue 


Allan shares ideas on money management, paying off debts and budgeting. He earned $5,000 in 8 months. This is a rare record in blogging. His blog’s income comes from affiliate marketing and sponsored posts. 


3. Freedom in a Budget

Founder: Kelly Ann Smith, South Florida

Monthly Income: $5,046 (2021 monthly average) 

Traffic: 17,200 monthly page views (Source: Similar web)

Blog’s Age: 6 years+  (Started in 2016)

Monetization: Product sales, coaching and donations


Kelly Ann is a Florida-based lifestyle and personal finance blogger. Kelly and her husband have used Kelly’s blogging profits to save and make a down payment for their home. They had earlier paid off their wedding debts from the profits earned from blogging. 


4. The Savvy Couple 



Founders: Kelan and Brittany Kline

Monthly Income: $43,547 (2021 monthly average

Traffic: 191,000+ monthly page views (Source: Similar web)

Blog’s Age: 6 years+  (at the time of this report)

Monetization: Ad network, affiliate marketing, sponsorships. 


The Savvy Couple were able to grow their blogging business in three years and paid off $250,000 in student loans. They resigned from their full jobs to grow the blogging business. They have a net worth of $200,000+


5. Believe in a Budget 



Founder: Kristin Larsen

Monthly Income: $113,175 (2022 monthly average

Traffic: 10,700+ monthly page views (Source: Similar web)

Blog’s Age: 7 years (at the time of this report)

Monetization: Ad networks, affiliate marketing, products and services.


In the third year of blogging, Kristin Larsen made $290,000 (source). A chunk of her income came from promoting a course on her blog. After 10 months of blogging, Kristin was able to quit her job and focus on the things that make her happy, while growing her blogging business. 


6. Making Sense of Cents 



Founder: Michele Schroeder-Gardner 

Monthly Income: $ 208,859  (2022 monthly average) 

Traffic: 246,500+ monthly page views (Source: similar web)

Blog’s Age: 10 years (at the time of this report)

Monetization: Ad networks, affiliate marketing, products and services.


Michele Schroeder-Gardner is a leading personal finance blogger with a large email subscriber list. She grew her blogging business from scratch. 

Her blogging success stories have been featured in Forbes and Business Insider.

She earns a yearly  $2,506,194 (average) from blogging.


How do personal finance blogs make money? 


Personal finance bloggers make money from;

  • Display Ads (Google Adsense, Ezoic, Mediavine etc) 
  •  Sale of eBooks
  • One-on-one coaching
  • Personal finance apps 
  • Subscription-based Memberships 
  • Online personal finance courses 
  • Sponsored post 
  • Selling of ads spaces on their blogs/websites 
  • Affiliate marketing and 
  • Voluntary donations by readers 


51+ Personal Finance niche ideas


Personal Finance has so many areas or niches. To become a profitable personal finance blogger, you need to niche down and have an area of focus. 

We have compiled over 50 niche ideas to help you get started; 

  1. Personal finance for beginners 
  2. Retirement planning 
  3. Mortgages 
  4. Business loans 
  5. Student loans 
  6. Auto insurance 
  7. Credit cards 
  8. Credit reporting 
  9. Budgeting 
  10. Personal savings 
  11. Managing personal expenses 
  12. Financial Intelligence 
  13. Personal finance for teens and children 
  14. Starting a Side Hustle 
  15. Early retirement education 
  16. Investing in stocks 
  17. Cryptocurrency 
  18. Managing bankruptcy 
  19. Personal finance for students 
  20. Personal finance for single moms 
  21. Personal finance for men 
  22. Personal finance tips for career women 
  23. Managing debt or loans 
  24. Saving for a purpose 
  25. General advice on investing 
  26. Financial planning 
  27. Personal income tax education and tax filing 
  28. Wealth management 
  29. Home buying tips 
  30. Refinancing 
  31. Banking tips 
  32. Money management advice 
  33. Tips to avoid money mistakes 
  34. Personal Finance books 
  35. Mobile loans 
  36. Personal finance blog reviews 
  37. Personal finance loans apps review 
  38. Insurance claim 
  39. Work-from-home ideas 
  40. Managing home expenses 
  41. Investment advice for teens 
  42. Tips to cut down car cost 
  43. Tips to cut down daily expenses 
  44. Finance management tools 
  45. Trading 
  46. Bookkeeping for home expenses 
  47. Bookkeeping for start-up 
  48. How to gain financial freedom 
  49. How to get rich 
  50. Entrepreneurial mindset 
  51. Billionaires and their stories 

How to become a personal finance blogger 


These are the steps to follow;


1. Learn SEO:

Search Engine Optimization is the secret to becoming a successful personal finance blogger. 

You’ll need to know: 

  • off-page SEO (Keyword research) 
  • On-page SEO (optimizing your website’s content for search engine ranking)


2. SEO Content Writing: 

This include: 

  • Writing valuable & plagiarism free content 
  • Optimising your headings and subheadings with either H1, H2, H3, H4, H5 or H6 tags 
  • Meta description and 
  • Image optimization 

3. Choose a Niche: 

  • Choose one of the sub-niches in personal finance 
  • Do keyword research to know its search volume. 

4. Build your blog:

Choose a website name and Webhosting service provider and build your personal finance blog. 

It is important to build your host your website with a reliable web hosting company. This is necessary because a poorly hosted blog will load slowly and this will impact its negatively search ranking. 

Some recommended and beginner-friendly web hosting companies include; 


How to build a successful personal finance blog in 2023


Steps to be a successful personal finance blog; 

  1. Choose a niche and narrow it down to a sub-niche 
  2. Choose a name (URL or website address) 
  3. Decide on a web hosting company 
  4. Register the domain name and hosting 
  5. Install WordPress and build your site 
  6. Optimize your website and submit it to Google for indexing. 
  7. Write and publish SEO-optimized content consistently 
  8. Apply for Google Adsense (or sign up for an affiliate program)

This process takes less than 1-month to complete. 

If everything is done right, your website will be approved for AdSense in a short time. 

Continue updating your blog with helpful content. 

To grow your blogging career, keep learning to become better at content creation and SEO. 

Key Takeaways


  • Personal finance ranks among the top most profitable niches in the world with a combined 82,700 search volume on Google (60,500) and Youtube (22,200).


  • The top personal finance bloggers make $200,000 to one million dollars a year, this validates the earning potential for the personal finance niche


  • Profitable personal finance blogs contain valuable, plagiarism-free articles 


  • Namecheap, Bluehost, Interservers and Google Cloud Webhosting are beginner-friendly web hosting companies to buy your domain names and web hosting.


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5. How To Become An SEO Content Writer (The Complete Guide)



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