The Personal Finance / How To Make Money Niche

Personal finance and making money is currently one of the absolute top niches within blogging. People are constantly looking for ways to live a more secure life financially, buy more things, experiences

Money doesn’t just buy you things. It buys you experiences, security, and opportunities in life.

Within the personal finance niche there are plenty of sub-topics, such as

  • Investment
  • Living on a budget
  • Creating an online income
  • Increasing sales

When it comes to monetizing the personal finance niche, it’s very similar to health and fitness. People are desperate to improve their situation, they’re looking for answers, looking for other people they can relate to, and most of all, looking for results.

I mean, most people will go ahead and buy from this niche because they’re not wasting money, they’re “investing in their future”, thinking it’ll be the answer to get more money in return.

Ever noticed how some bloggers mainly post income reports, despite starting out in a different niche? Well, that’s because income reports are insights into their finances, and to the readers, they’re addictive as fuck to read.

When someone writes “How I Made $10 000 a month through blogging!”, you bet those readers will save the pin, bookmark the link, read the whole post thoroughly four times, and come back regularly to see if there are more reports.

It doesn’t matter if the content is good, if the advice works, or if the money came through blogging alone – it still creates a sense of hope with the reader and they will stick around for a long time and do whatever you tell them to.

This is also why it’s a difficult category to work in long term, because you need to make sure that the solutions you provide are useful, applicable, and relevant to the reader.

Shit-quality articles with bullshit advice will probably result in a lot of sales, because people are often desperate, but you will also get crap reviews because you over promised and did not provide any solution or results.

However, if you do have knowledge and experience within this subject, then the personal finance niche has some great options for monetizing.

  • Write ebooks
  • Do webinars
  • Coaching
  • Access to templates

Here are also some examples of bloggers who are generating a massive income through the personal finance niche, and doing it in a way that is providing great value to the readers:

Making Sense of Cents by Michelle Gardner

The Busy Budgeter by Rosemarie

The Health & Fitness Niche

The health and fitness category is very similar to personal finance and money, in the sense that the audience are strong buyers. They’re ready for something new, they’re ready to take action, and they want change now.

Again, the main thing they’re looking for is results.

This is why the biggest health and fitness blogs are often normal people who have been through a shocking transformation. It’s the people who show proof of change, who write about the changes they’ve been through, who give the readers a sense of “well, if they can do it, so can I!”

It’s all about creating hope, inspiring people to make a change, and providing a solution that will work.

Now again, in this niche it’s also very easy to make the mistake of providing people with the wrong solutions. Many bloggers and influencers are generating massive incomes from false advertising, manipulated photos, and products that don’t create any result for the reader.

Be aware that once you start a health and fitness blog, you will be approached by vitamin companies, tea detox companies, etc., who will offer you money to sell your soul and give up on all of your values. Remember that this will never be a long term deal, and soon you’ll have to find new readers elsewhere because they don’t trust you.

So quality is definitely key.

However, if you do have knowledge and experience in this niche, then by all means go for it.

Some great sub-categories are yoga, Veganism, running, mindfulness, etc.

Again, monetizing the health and fitness niche can be done through:

  • Ebooks
  • E-courses
  • Coaching
  • Access to templates
  • Membership sites
  • Product sales
  • Ads
  • Paid partnerships

Here are also some examples of bloggers who are generating a massive income through the personal finance niche, and doing it in a way that is providing great value to the readers:

Avocadu by Alex and Lauren

Wellness Mama by Katie Wells

The Parenting Niche

As you can probably imagine, any new parent is going to be overwhelmed with questions, looking for others who understand what they’re going through, craving solutions to make their day to day life just a bit easier.

What used to be getting advice from family back in the day and blindly following Grandma’s advice, has now exploded into one of the most profitable blogging niches.

There are solid sub-topics like child nutrition, parenting advice, going through pregnancy, organizing homes, and scheduling hectic family lives.

This is niche thrives on content surrounding organization and life hacks, but also anyone who is relatable, has experience and will provide a community.

Some ways to monetize the parenting niche are:

  • Product sales
  • Ebooks
  • Membership sites
  • Ads
  • Paid partnerships

The only warning I have on this one, is that blogging takes up a lot of time and it can be difficult to withstand months and years of building content while also having kids.

But as usual, there are many great bloggers who have managed this and are again, generating massive income through their parenting blogs:

Messy Motherhood by Amanda

Artful Parent by Jean


Want to start a blog?

Here’s a six step guide to starting a profitable blog today.


“Isn’t it too late to start a blog?”

So, chances are, if you’re looking to start your own website, you’re overthinking it like crazy. You’ll spend weeks, months, maybe even years reading up on profitability, niche selections, success stories, failure stories, while occasionally searching the term “is it too late to start a blog in *year*?” as you realize time is passing.

If you look at it logically, there’s no reason not to start a website in 2019, as long as it’s something you have even the slightest interest in.

Everything is happening online these days, people are craving communities and interactions more than ever, and the more the world goes to shit, the more people are coming together to find enjoyment and safety in pursuing their passions along with like-minded individuals.

Whether a blog is profitable or not, is really up to you.

Actually, the unofficial first step, is to stop searching for “is it possible to…” and start reading up on “how do I…”.

You decide your business, you decide your future, and it’s up to you to network with the right people and learn what you need to know in order to succeed.

Agree? Great.

So to summarize how to actually make a living off of blogging, article-writing, content marketing – whatever you want to call it – here’s a 6 step overview on how to get started the right way.

#1 Decide Your “Why”: Goals, expectations and direction

Before you even start worrying about hosting and niches, you need to clarify your “why”.

What is it you want to get out of blogging?
What is important to you, what are you willing to give up?
Do you want a high income, less hours, or do you want to be able to blog full-time and build a platform where you can share your passion?
Why are you doing this?

Once you figure out your why, you’re ready to take the scariest step. Finding hosting.

#2 Finding The Right Hosting For Your Blog

See, now you can worry about hosting.

If your plans are to treat your website as a business, to make an income, build a community or any of the sort, then you will need to get a self-hosted website where you are in charge.

I’m not going to go into the endless variants of websites and hosts, but let’s just say you will most likely end up with WordPress and Bluehost, because they’re just great.

These two companies also work together, so once you sign up for Bluehost you’ll get access to this amazing button that says “1-Click WordPress Install” and then you’ll have both.
It’s magical.

More than that, they’ll take care of you with 24/7 customer service, cover all of your future needs, and when everything goes to shit because you accidentally press the wrong button (trust me, it will happen a lot), there are endless resources online for any and every problem that may occur.
Literally so well known that there is nothing you can’t google your way out of.

Click here to get started with Bluehost now, only $3.47 per month.

By using this link you’ll get a 30-day money-back guarantee (in case you panic or it’s not for you, no one will judge you, I swear)

You’ll also get a free domain name registration, which usually costs $15, so you won’t have to worry about any additional startup costs.

#3 What’s Your What: Find A Niche

Ok, so you have your why, you have your hosting, now what’s your “what”?

What do you plan to write about?

Obviously this is pretty crucial at this point, as you’re about to register your domain, which is a bitch to change later on.

When it comes to niche selection, it’s really up to you how you want to do it.

Most people will tell you to pick a narrow niche, focus on only that topic, as this will make it easier to rank with SEO and later on monetize.

Well, I don’t really agree (shocker).

The way I see it, you need to stay sane, and this whole “single niche rule” is slightly bullshit.

There are plenty of sites that have 20+ articles within 5-6 wildly different topics, that earn $10K+ a month. This isn’t just for online magazines with teams of writers, you can easily do it yourself if that’s what you prefer.

An example of this is, who is making $10-15K a month after less than a year, and her topics include Food, Career, Money, Men’s Fashion, literally everything.

The key to deciding your niche lies in the longevity of your interest in it.

The median blog that makes a full-time income is 36 months old, so the question is, are you able to write about your topic every single day for the next 3 years?

The next 10 years?

Honestly, I would jump out a God damn window if I had to write about Celery Juice for the next 36 months, which is why I chose several niches that make up the millennial lifestyle.

Which brings me to my next point, which is to write what you want to read.

Personally I want to stay updated on which spices to add to my morning coffee, but at some point I will also need a refresher in my negotiation skills before meeting up in the office.

There is nothing wrong with having it all in one place, because it’s all relevant to my target audience.

And I certainly will be bringing my celery juice into that negotiation, so clearly it’s all connected.

As you’re slowly figuring out where your passion lies, what you want to be writing about and researching for the next 3-5 years minimum, I’ll just mention that the most profitable niches at the moment are:

  • Health / Fitness
  • Finance / Making Money
  • Food / Recipes

…so while you figure that part out, I’m just going to move on to step 4.

#4 Setup: The technical stuff

After you’ve decided niche and domain name, you’re probably getting some ideas for content you want to be writing already.

That’s great, but now there’s also a lot of setup to do.

Again, here is where I disagree with most people.

It’s usually recommended to write up 20-25 articles minimum before “launching” your website, to ensure perfect user experience from the first visit, build your email list from day one, etc.

Weeeeell…. Not sure what personality type you are, but that sure as hell would never work for me.

Yes, there’s a lot of setup to be done, but the great thing is that you can change themes and add plugins whenever you want. Even if you were to design the perfect website from scratch, you’re probably going to spend countless hours changing it and making improvements regularly.

So I recommend finding a theme you can deal with for the time being, whether you want to start out with a paid one or a free one doesn’t matter, then start getting some content out there.

It makes it a whole lot easier to design your website when you don’t have to imagine the articles there, just get them out and go back to setting up when you feel like it.

No offense, but no one’s really going to be reading it in the beginning anyway, so you actually are free to whatever you feel like doing in the order you feel like doing it.

Welcome to being your own boss.

It’s great.

#5 Build Content

As for content, just start writing.

It’s useful to understand the different types of content you’ll be producing, and deciding your own style.

Some prefer to have a low amount of 10K+ word posts that rank high in SEO, literally feels like you’re reading an ebook on your phone, yet others prefer more light-hearted articles that are 5-800 words and more regular.

Both are great, so just figure out how you prefer to present your topics, and get started.

More than this, it’s good to understand that different types of content will increase your website’s value in the eyes of our master AKA Google.

Read up on the value of cornerstone content, using inbound and outbound links, writing seasonal content for higher traffic, etc, and start playing around.

#6 Monetize

When you’re finally getting a hang of steps 1-5, it’s time for the fun part, which is actually making money off of blogging.

There are many ways to do this, but here are the most used and trusted ways.

Affiliate Marketing

You’ve probably heard of affiliate marketing, so in short, it’s when you work with a company who gives you commision when you bring them new customers.

There are thousands of brands who will be willing to work with you, even without traffic, as they don’t spend money until the customers do, so it’s a great way to get started with monetizing.

I recommend joining a few affiliate networks as most of them have hundreds of brands working with them, so you won’t have to approach them individually.

It will make it a hell of a lot easier to keep track of your income if it’s in the same network, and it’s also easier to find the products you use and want to promote.

A great example of this is Amazon affiliate program.

Basically you won’t have to look ways to sell a certain product, but instead just write about whatever your topic is, and whenever you refer to something you like, add an amazon link to it.

I swear, they have literally everything.


Apply for an automatic ad network like AdSense, Mediavine, AdThrive, etc., or even go as far as selling your ad space individually to companies and brands.

This doesn’t produce much in the beginning, but is the most consistent form of monetization, as it’s based on traffic and click through rate.

Product sales

The most popular products to monetize with are usually digital ones, such as webinars, ebooks and ecourses.

This will require a lot more forethought than simple ads, but can also be more profitable than any other form of monetization.

It’s recommended to wait until you have loyal readers who are email subscribers or previous customers, as they won’t get their social proof the same way they will when buying something through your Amazon affiliate link.


Although I could make this ten times longer, this is a quick run-through of what your startup process should look like.

Also, if I don’t stop writing now this will turn into a fucking ebook, which I’m not here for because it’s 4:30am and I have to be at work in three hours.

So I guess my last advise for anyone looking to start a profitable website, is learn to live off of caffeine ASAP.
You will need it.

Categories: Blogging Wealth

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