How to Start a Personal Finance Blog In 2022

Are you passionate about finances?

If you are, you could transform your passion into a lucrative profession. Personal finance is a compelling and exciting niche for many people searching to improve their financial conditions.

In this blog post, I will be sharing step by step on how to start a personal finance blog and make money with just little investment.

>>Start with $2.95 per month and get FREE domain with Bluehost

Starting a personal finance blog could allow you to share your knowledge and experience with others and earn a living at the same time.

Most people look for solutions to reach their financial goals or solve money problems.

Here is what matter most to people and what they are searching the most in the finance niche:

  • Achieve financial security
  •  Retire earlier
  • Build a pension pot
  • Pay off debts
  • Build a saving account
  • Start investing
  • Set up a business
  • Saving for trips or special projects
  • Buying the first house
  • Pay off a mortgage earlier

With a finance blog, you can help people solve all financial related problems by writing content that provides solutions.

Since it is an extensive topic, it is possible to focus on a specific niche, such as: investing, loans or having a blog covering wide niches.

The steps to start a personal finance blog are straightforward. This article will show you all the steps to follow and make your blog goes live in less than 5 minutes.

Decide Which Aspect of Personal Finance Blog You Want to focus on.

Before starting your finance blog, it is essential to decide and choose a niche.

Are you creating a blog to teach people debit relief, saving money, receiving loans, student loans, etc?

Staring a personal finance blog is a lucrative business, and that is why you need the direction of your blog.

Remember, the essence of starting a blog is to generate income and to grow it to become a profitable business.

Later, I will explain how you can monetise your blog to generate more income and grow it.

10 Steps On How To Start A Personal Finance Blog In 2022.

Below are the step by step guide you can follow now, and make your blog LIVE under 5 munites.

1.Choose The Blogging Platform

The first step on how to start a personal finance blog is to choose the best platform, and it is very crucial to the success of your blog.

And there are many blogging platforms, both free and paid.

You decide what you want to archive, and if your goal is to build a successful blog that can generate income now and in the nearest future, you need to choose wisely.

Free blogging platforms like blogger,, Squarespace, Weebly may entice you but are not recommended for serious bloggers.

All these platforms come with a drawback and can limit your success in monetisation and customisation.

Here are a few disadvantages of free blogging platforms

  • Limit customisation
  • Not access to the complete control of your blog
  • Limited Monetisation
  • Lack of search engine optimisation
  • The owner can deactivate your site any time without your knowledge

Now that you understand the danger of using a free blogging platform, you may be wondering which platforms will suit your need.

The best option is a self-hosted blogging platform, which is

This is the best place to build a solid blog that can last for years without the need to worry about losing your blog.

Here are a few reasons to choose WordPress:

  • WordPress is free to use
  • It has thousands of plugins to increase the functionalities of your blog
  • You can customise your blog the way you want it.
  • Monetisation is very easy and simple
  • Design your blog to attract more visitors without limit

So, when you are thinking about self-hosted vs free alternatives, you have seen the significant difference between the two.

Let’s move to the next step as you have chosen WordPress as the best choice.

2.Chose a Finance Blog Niche

The finance niche is huge. It covers things like saving, frugal living, investing, and making more money.

People are looking for a way to reduce their debts and achieve financial security. First, you should decide on the niche.

For example, you could focus your blog that helps people make profits investing and write a well research articles on it will be great..

You can also decide to cover all the various topics in the personal finance niche, maybe focusing on one niche first and then moving to the other later.

How to decide what you should focus on?

The best criteria to choose your niche is your interest, your knowledge,and the monetisation aspect.

Ask yourself the following:

●      What subjects interest you the most?

●      Which niche has higher earning potential?

●      Which topics are the most searched by readers?

●      On what topic do you have more personal experience?

It is essential to blog about a subject that interests you, preventing you from becoming bored about it, leading you to abandon the work in the future.

Although it is not necessary to have a passion for the topic, later, you will discover it would be a great help if you want to write content that can drive thousands of visitors to your blog.

You can also look at it from the income viewpoint and go for the more lucrative niches, regardless of whether you experience or not.

In addition, you don’t need to be an expert in the niche you choose.

As long as you can write a well-researched article that helps people solve their problems and reach their goals, your blog will be successful.

Here are some of the finance niches

  • Credit repair
  • Insurance
  • Loan
  • Saving
  • Budgeting
  • Investment
  • Taxes
  • Financial planning
  • Side hustlers

3.Choose your domain name

Now that you have a topic in mind and know what you will be writing about, you must choose a domain name. Typically, the domain name is also the name of your blog.

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The domain name you chose has to be easy to remember and unique. Here are a few tips to have in mind in choosing a memorable domain name:

●      Easy to type

●      Short or not too long

●      Focus it around a keyword ( a word or sentence people would search)

●      Avoid hyphens

●      Avoid using numbers

●      Easy to remember

●      Avoid double letters

●      Verify there is no registered trademark

●      Preferably use a “.com” extension

●      Do not choose a domain that can limit your expansion

In general, you want to make it easy for people to remember your blog and type its name in Google. However, it will be difficult to remember if you choose a complex domain name.

Think about choosing a domain name that is easy to spell and pronounce. You also want to search for a phrase that will let you expand your blog in the future.

For example, if you choose to focus on saving money and have as a domain “,” it may limit your blog to only that topic.

If, later on, you decide to write about investing, insurance etc, it may be challenging because of your narrowed domain name.

Here are some examples of catchy domain names for a personal finance blog:







Let’s look at how you can come up with a good domain name.

Bluehost has a tool that can help you with your domain name. When you enter a word that comes to your mind, it will suggest different variations for you.

For example, let’s say you choose, unavailable. The tool will suggest other related domain names you can grab.

In addition, you can add a prefix to the domain and check if it is available. Here is an example:

4.Register Domain Name And web hosting

Once you have a domain, you need to choose your web hosting provider. A hosting provider is a service provided by a company that allows you to host your site on their server to make your site available online.

>>Click here to sign up for BlueHost and get free domain for one year

A domain name is the name of your blog. If you choose a name such as smart finance tips, your domain will be

There are some best web hosting services to choose from and there are different types of hosting services, such as shared hosting, VPS (virtual private servers), dedicated hosting, and cloud hosting. However, for a new blog, shared hosting is OK.

Once a blog has a lot of traffic and requires additional space, you can move to dedicated hostings or VPS.

One of the most used web hosting providers is Bluehost. It is affordable, provides excellent customer service, and includes a free SSL certificate.

Some web hosting service providers have you pay for the SSL certificate in addition to what you pay already for the web hosting.

And if you want to get your domain name registered with Bluehost, you also get one year free.

The procedure to sign up for Bluehost is effortless. You have to go to their site and select a WordPress hosting plan. Once you have done so, all you have to do is follow the instructions.

Here are the steps to get signed up with Bluehost:

  1. Visit
how to start a personal finance blog

Click this link to sign up for BlueHost, and get a free domain for one year. You will be brought to the WordPress hosting page, as you see in the image below.

Click on VIEW PLAN or scroll down, and you will see all the FOUR plans.

2. Select your shared hosting plan

There are FOUR plans, and for a starter like you, you don’t need expensive hosting. So choose the BASIC plan, an idea for a blog and a small site.

There are also other plans such as PLUS, choice plan and pro, but to be honest with you, you don’t need them now.

The cheapest plan at $2.95 per month is a good option for a new blog. The plan has everything to host your blog without experiencing any loading issue, downtime etc.

You get 50 GB SSD Storage, good custom themes and 24/7 outstanding customer Support.

In addition, you will also get Free Domain for one year, Free CDN and Free SSL Certificate. These features will save you a lot of money.

3. Select the domain name you want (or connect a domain you have already purchased)

 After clicking on the plan, you will be redirected to the new page. On this page, you will type in your domain name or choose if you have already registered a domain name.

The domain will be your blog’s address.

You have TWO options; you can select “create a new domain, use one you already own. And since you don’t have a domain, create a new one by typing in your domain name in the space ”Create a new domain” say ”bestloansfinance” as your preferred domain.

If you don’t have any domain in mind, you can click on “I Will Create One Later” below.

4. Click on the NEXT and fill in all your personal information

After clicking on NEXT, a new page will open where you will need to submit your personal information.

Make sure to input all the information correctly—all self-explanatory.

5. Select your package price ( 12 months hosting plan is cheaper than the 36-month plan)

bluehost package plan

This is where you will decide if you want to subscribe for one year or two years. I advise you to choose 12 months.

The 12 monthly plan will cost $2.95 per month, while the 36 months will cost $4.95.

For 12 months, you will pay $35.40, while for the 36 months, you will pay$178.20.

6. Select the extra services, if you want or need them

Bluehost extra packages

When you scroll down, you will see where you can select the extra service. I don’t recommend any of these services except Domain Privacy.

So, make sure to uncheck some of these except you want them.

7. Input the payment information

Bluehost payment info

In this section, you will add your payment information. Add your credit card number, then follow by the CVV2. The CVV2 is the FOUR digit number at the back of your card.

8. Complete the Registration

The final step is to complete the registration by confirming that you agree to the BlueHost terms and conditions.

TICK the “I have read and agree to Bluehost Renewal Terms, Terms of Service etc

Then click on the GREEN bottom that says SUBMIT.

9. Create an account with Bluehost And Password

The next step is to create an account and enter your password with BlueHost.

You will be asked to choose a user name and password. The user name and password are what you will be using to log in to the BlueHost account.

Then, click on Create Account.

10. Answer Questionnaire or Skip it

After clicking on the create an account, you will be prompted to a new page where they will ask you to answer a short question about your website.

You can skip this process by clicking Skip The Step” at the bottom.

To be in silverside, I advise answering the question to help BlueHost understand your website to help your onboarding experience.

11. Choose A Theme

After completing the Questionnaire, the next step is to ask you to choose a theme for your blog. You can choose a free theme and later change it to any premium theme you prefer.

12. Launch Your Blog or Website

After selecting a theme, you will be prompted to WordPress backend in the admin panel. You can manage your site, create a page or post etc.

To complete the process, click on the blue bottom that says ‘Launch Your Site; and your blog is LIVE.

Step 13: Check Your Site

Your blog is LIVE, and you can visit it by opening a new browser and typing your domain name to view how your site looks.

Hello World!

14: Access Your site Admin

To edit or log in to your blog, you need to access it through the admin panel. Type your website URL with /wp-admin.

For example

When you log in, you can play around with the admin panel.

Now that your blog is live, let’s move to the next step.

The WordPress setup is completed. As you can see. It is just one click

The process is automated, and it takes a few minutes from beginning to end. That is the reason we choose BlueHost hosting.

5.Install A New Theme and Design Your Site

Now that your finance blog is live, it is time to find one of the best WordPress themes to give your blog a facelift.

A theme is a software that makes your site look more attractive and easy to navigate, and you have seen that some sites look different.

If you want a professional-looking finance blog, you should get a premium theme that fits your blog’s topic and inspires trust.

You could end up spending hours selecting a theme to find out later that is not the best for your site.

You need a theme designed for a personal finance blog, or you can use any premium general theme, which is also a good option.

But that said, here are some excellent tips to follow when choosing a theme:

●      Choose a clean and simple design (avoid cluttered themes)

●      Find responsive and fast loading themes

●      Choose a theme that represents the colour of your brand

●      Consider buying a premium theme with more features

●      Find a theme with an easy to read font and customise

●      Preview and test the theme before installing it

If you’re on a tight budget, you can still use a free theme available in your WordPress site, but not recommended.

Choosing a simple and clean theme is always better, so visitors do not get confused when visiting your site.

Some of the most used premium themes you can look at are:

●      GeneratePress

●      Divi ( by Elegant Themes)

●      Kadence

●      Astra

Each of these themes providers has tons of layouts and colours to choose from (including finance page layouts). In addition, there are already pre-designed finance themes you can check if they fit your blog.

Here are some best personal finance themes:

If you prefer to use a specific theme designed for the finance blog, the below WordPress theme will be a perfect option for you.

●      Exponent

●      Financing

●      Adri

●      Success

●      Consulting

●      Finance Plus

Advantages of choosing a premium WordPress theme

User friendly and easy of use

Full customisation

Fast loading

24/7 customer support

Many premium templates and landing pages features.

6.Install Relevant Plugins

A plugin is a tool that adds extra functionality to your WordPress site. In WordPress, there are plugins for everything, such as adding a table of content, connecting to other software, measuring your traffic, and much more.

In general, it is better to keep a site free of tons of useless plugins. You do not need to add a lot of plugins at the beginning. You can add them with time and based on what you need.

In the beginning, you can install the following plugins:

Security plugin: The first plugin to install is the security plugin that can prevent your blog from hackers, malware and so on.

●      Table of content plugins

●      MonsterInsights ( to monitor traffic)

●      Rank Math or Yoast SEO (to help you with SEO and optimise your articles)

●      Cookie plugin ( choose the one that suit you best, it is necessary to comply with the GDPR)

●      Insert Headers and Footers ( it allows you to insert pieces of codes across your site for ads etc

●      Short Pixel ( it helps optimise your images and reduce their size, so the site doesn’t slow, affecting your ranking.

W3 Total Cache: It makes your site load fast.

All of those are free, and you can also upgrade to a premium version.

With time, you can add other plugins, but it is better to keep your site free of unnecessary plugins that can slow down your site loading if you do not need them.

You want to ensure that your blog complies with current regulations to avoid problems. It would be best if you had the following pages on the safe side:

●      Privacy Policy Page

●      Terms and Condition Page

●      Affiliate Disclaimer Page ( if you have affiliate links)

You should also include a disclaimer about financial advice you share on your blog, ensuring that you are not responsible for their financial decisions.

In addition to the legal pages, you should also include the following pages: About and Contact pages, so people can contact you and know about your brand.

 Furthermore, you do not need a lawyer to do the legal pages. There are tons of templates available online, and you can look at other financial blogs to have an idea of what needs to do to make your blog outstanding.

8.Create your first blog post

Now that everything is set, it is time to write your first blog post.

Content is the key to blogging, and that is why I said earlier that it is essential but not compulsory to choose a niche that you have at least an idea.

There are TWO options, you write the content yourself or outsource it.

There are many places you can outsource your content, such as Upwork, Iwriter etc.

The first step is to do keyword research on the topic you want to write about to find out what people are searching for in that topic.

Let’s say you want to write about ‘how to increase credit score quickly”.

According to the Ubersuggest keyword tool, the number of people searching for the keyword “how to increase credit score quickly” is 8.100 per month.

This so that people are searching for this term.

Other related keywords are:

  • How To Increase Credit score
  • how to increase credit score fast
  • how to increase credit score to 800

These are the keywords you can add to the content.

There is a lot to say about keyword research. But for now, you can use free tools like Ubersuggest to get all the related keywords and topics with the relative traffic volume.

You can see what the people are searching for and get some good ideas about what to include in the content.

There are competitions in the finance niche. It would be best to start with low competition keywords or long-tail keywords.

Long-tail keywords are keywords with four words or more.

Post Consistently

It is crucial to post consistently when you have just started. You can start with 2 to 3 blog posts per week.

It may take time before people start noticing your blog, don’t be discouraged; it always is like that.

Also, post only quality content to help your readers solve their problems.

9.Promote Your Personal Finance Blog

You’re now ready to promote your blog. Without blogging promotion, getting visitors to the blog will be very challenging.

There are various ways you can promote your blog, and we will be looking at the most important area.

Social media

Social media such as Facebook, Pinterest, Instagram, YouTube, Twitter, and TikTok are the best ways to share your content and get thousands of visitors to your finance blog.

Use Content Syndication site

These are other places to get traffic to your blog. Here are a few of them:

Medium, LinkedIn and Reddit.

10.Start Making Money from Your Finance Blog

You start the personal finance blog to make money and share your experience to help others.

And without proper monetisation, you will find it challenging to make money to pay for web hosting and other expenses.

Let now look at various ways to monetise the finance blog and make money.

Affiliate Marketing

Affiliate marketing is the easiest way to make money from your blog. It is not as difficult as many people think, but you need to learn how it works.

Join the best affiliate program in your niche.

Affiliate marketing is a process where you promote companies’ products, and when you make sales, you get a commission.

Join ShareASale’s affiliate program. This is one of the best affiliate networking where you can find hundreds of products you can recommend to your blog readers and make money.

Selling Information product:

You can create your product and promote it on your blog. It may be eBook, online training, mini-course, membership training etc.

Display adds on your finance blog

Another way to monetise your blog is to display ads on it. You can join Google Adsense and place their ads on your blog.

How To Start A Personal Finance Blog: Conclusion

Starting a personal finance blog is not complicated. You can do that in straightforward steps and get on your way to earn passive income.

Blogging is not a get rich business, it takes time and works to get a blog to succeed, but once it does, you will be thrilled you took the above first step!

Personal Finance Blog FAQ

How to start a personal finance blog on WordPress?

The step by step on how to start a personal finance blog on WordPress is what we shared in this blog post.

The blogging platform that we choose is WordPress,and show you how to make your blog goes live. If you follow the step explained above, then you build your blog on wprdpress.

How to start a personal blog and make money?

I explained how to monitise your blog and make money. You can make money with your blog by promoting affiliate program, add Google Adsence to your blog, accept sponsor post and so on.