I make $0 writing about my Personal Finance Life

I’m coming up on almost 4 months of blogging, which from what I have seen from my time reading personal finance blogs could be considered a long time, warning I’m just getting started. I have written about budgets, emergency funds, attacking debt, even asked everyone if I made a stupid mistake investing in stock to pay off debt. I have more to share tons of things I have just casualty mentioned. Did you know I work for a bank, run an eBay store, and own rental property?

I love sharing stories that’s what makes personal finance, well, personal. I have shared how I worked for Michael Jordan and have other plans rather than retiring in 12,000 days. I have more stories that I want to share, smart and of course stupid things I have done with money. I want to share it with you.
I have already done some crazy things to save money, the stories and tactics I used are coming. I’ve mentioned how to buy a house smarter than everyone else and cut your car debt in 3 seconds, but I’ve done more. It’s early in the game; I have established a budget and stopped accumulating debt. I’m now paying off that debt at an unbelievable pace; remember I plan to retire early.

I have big plans for this blog, but my first plan is to keep sharing my stories and personal accomplishments holding myself accountable. I want to share with everyone when I pay off my student loan, my rental property, my mortgage, max out my 401K, H.S.A, IRA, and when I reach that point of financial independence I want to share that the most.

The title of this post is how I make $0 writing on this blog, but I lied. I am actually paying money to write about my finances, I paid about a $100 for the year to write about my personal finance life with you. I read through Mr. Money Mustache post on starting a blog and followed step for step, but I used a link from another blogger that I figured could use the money more than MMM, they even promised to help out and get me started, the help didn’t come, not even a response. Let’s just say I’m not going back to their blog, probably ever. I reached out to a couple bloggers for advice just to get started, people who I liked their work or liked their site, you know who reached back? J Money from Budgets are Sexy and Rockstar Finance one of the biggest and best bloggers out there. He gave me what I consider to be the best advice when getting started, “write and get your stuff out there, tell people your story don’t worry about anything else”.

That’s what I’m doing today. I’m sharing my story; I’m not worrying about SEO optimization, WordPress plugins, or where my Google AdSense should be placed. I write this blog because I enjoy writing about my personal finance life, I get paid $0 to do so and less if you count hosting, but I have big plans for this blog, and more importantly I have big plans for my finances. I work on each one every single day. I have not retired early like Mr. Money Mustache, I’m not making $14,937 a month like Making Sents of Cents, and I don’t have a million dollar portfolio like 1500 days, but you know what my story is different, my story is personal, and if you keep reading and following along you will see my progress and know it can be done. I am working on paying all my debt back, becoming Even Steven, and building Financial Independence so I can retire early.  Thanks for reading.


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58 Responses to “I make $0 writing about my Personal Finance Life

  • Congrats on almost 4 months of blogging! I’m excited to continue reading your blog into the future.

    That stinks about the person who promised help but didn’t end up helping.
    Michelle recently posted…Steps To Qualify For a Mortgage When Self-EmployedMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks Michelle! I’ve really only had one bad experience since I started, but it just so happened it was from a blogger I liked to read and was right in the start up of my blog.

  • You have the right idea Steven – share your approach, opinions and experiences and that is how you’ll grow your blog. Wishing you the very best in the months ahead!
    Kassandra @ More Than Just Money recently posted…The Rebirth Of Ground ZeroMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks More than Just Money, I would say you blog title is how I felt when I was writing this post, thanks for the encouragement.

  • I’m sorry that other blogger didn’t help you out. That was great of you to try to give to someone besides MMM. Rest assured, most of us aren’t like that! Many of the bloggers I’ve connected with have been really helpful, and it seems like you’ve found a few.

    I love blogging and sharing *my* own personal journey (hence the name of my blog). You’re right that everyone’s is different. I can’t wait to see what you’ll be sharing with us.
    E.M. recently posted…Being Grateful: Thirty-Ninth EditionMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks Journey to Saving. Yes I have many more positive experiences from bloggers looking to help, I wanted to share because it was part of my story of my first 4 months.

  • Steven,

    You sound like an honest and extremely friendly guy!

    Keep on sharing your story and experiences, because that’s the reason why I come back time and time again to read your stuff.

    No More Waffles recently posted…Best Writing of the Week, August 16My Profile

    • EvenStevenMoney
      3 years ago

      Thanks No More Waffles that’s really nice of you to say and stop back any time, you are more than welcome!

  • You’re loaded in my reader! My story is similar….just getting started and just trying to put the best content out there I can. Oh….I did make about $0.07 in Adsense so far! Every little bit counts right?!
    MomCents recently posted…Go Tell It – Five Minute FridayMy Profile

    • EvenStevenMoney
      3 years ago

      Agreed that’s the best way to get things going. I think it’s great that you made money on Adsense, but for me I’m not at that point. I get intensely focused on things and it is in my best interest to hold off at this point.

  • Congratulations on four months of blogging!

    And BTW, I totally agree with you about J$. He’s one of the most generous guys I’ve ever encountered—on the web or in real life.
    Noonan recently posted…Compare Your Adjusted Gross Income to Others by Age and Filing StatusMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks FF, I like good people who know what they are doing, J$ fits the description.

  • I just came across your blog through Journey to Saving’s blog. I’m in the same boat as you. I don’t make any money from my blog and I’m okay with that. I just started with some affiliate links on my site, but if I don’t make any on them I’m not going to worry to much. Yes, some extra moolah would be nice! But, at the end of the day I enjoy writing and if just one person learns something from my past experience and story then I will be happy. Keep up the good work! Readers and money will come! 🙂
    Katelyn @ Diaries of a Wandering Lobster recently posted…Sunday Postcard – August 17, 2014My Profile

    • EvenStevenMoney
      3 years ago

      Thanks Wandering Lobster, that’s something I didn’t think I would ever say! You have to really like writing about your finances and experiences, so it’s great to hear we both do.

  • Great to hear you have such big plans Even Steven – I love reading your posts, and really hope you keep up this amazing energy and momentum you’ve developed after only 4 months! I’ve been going for just over 6 months now, and definitely feel like I’m driving in the slow lane when I see such motivated, energetic and enthusiastic bloggers like yourself! I do it because I really enjoy it, it helps me keep focused and learning, and I definitely don’t expect to ever make any money! (or even break even!)
    Jason @ Islands of Investing recently posted…Forecasts are not facts (how I learnt the hard way)My Profile

    • EvenStevenMoney
      3 years ago

      Thanks @Islands of Investing for the encouragement. I have an addictive personality so I don’t see me stopping any time soon. I agree it has helped keep me focused on my finances learning from great people sharing information.

  • It takes forever to make any money! I feel for ya! Just stick with it.. The people who stick with it are the ones who end up turning it into a profitable endeavor!
    Holly@ClubThrifty recently posted…Watch Out for Scams on Expedia.comMy Profile

    • EvenStevenMoney
      3 years ago

      I write because I enjoy it, I have plans to keep going and keep pushing with my finances and with my writing about my story. Thanks for the encouragement Holly!

  • Hey Even Steven,

    I am pretty much in the same boat as you are, I have made less than a dollar on Adsense and paid for hosting fees (and the less than a dollar doesn’t count because you need $100 to get anything). But that isn’t the major concern. Just by providing my information online I am more accountable, which probably makes me think twice on some purchases and saves more than the hosting fees. I make my content based on what I am doing and looking at decisions that need to be made as many others will come across financial decisions in their life that require action or inaction. I try to inspire by writing about things that happen and why that makes me strive to improve financially. Keep doing what you are doing, making money is a longer term goal for me blogging, just the experience, sharing, and watching my blog grow is fulfilling for now. Maybe after a couple of years if it can’t pay for it’s own hosting fees I will consider reevaluating, but for now it is just for the fun of it. I don’t have dreams of making anything over $100 a month blogging to be honest :). And that is just a dream at that!
    Kipp recently posted…Frankly Frugal Finance: Weekender Edition #6My Profile

    • EvenStevenMoney
      3 years ago

      Thanks for all the great words of encouragement and honesty! That is how I think of it now being held accountable for my own finances, I have paid off much more of my student loan in these 4 months than I would have without good old Even Steven Money.

  • Making money off a site within a four month period is very rare. It sucks that someone said they’d help you and then didn’t after they got the referral (those hosting referrals are very lucrative, so someone got swayed to the darkside by the dollar signs).

    Keep up the great work though 🙂
    Alicia recently posted…Quirks I Learned From My ParentsMy Profile

    • EvenStevenMoney
      3 years ago

      Yeah it says it on their website they will help out, but I’m over it, so many people have been supportive and given advice just to help me along the way. Thanks Financialdiffraction!

  • Not quitting is one of the keys to success.

    I am in a similar position. I guess if I never make 1 cent I’ll have to be OK with that. Writing, researching, formulating your thoughts. It is invaluable experience.

    I have a long shot goal of making $100/day with my blog/future websites.

    Keep up the good work. Perseverance will pay off.
    Wade recently posted…Fork in the roadMy Profile

    • EvenStevenMoney
      3 years ago

      I think one thing that has become ultra clear is that nobody is making any money if they quit and that the main purpose of my blog is to share my financial story and get better at own finances while helping others. Thanks DFW!

  • Good for you, Steven, and we’ll keep reading! Everything I’ve done on my blog has been self taught or with tips and tricks sought out from other bloggers. I have not paid for anything except for hosting fees recently when I switched from wordpress.com to self hosted. I didn’t intend to try to make any money when I started blogging. It was a giving back to others and to get support for me for our long debt journey. But then I found out how much work it was, and realized I needed to be a bit smarter. However this is not at the expense of building readership and community, that is my intent. If it doesn’t work out then so be it. There is still so much to learn and only so many hours in the day but I’ll keep plugging. I’m not against paying for anything but I need to be frugal right now with our debt journey and I also don’t want to be a hypocrite. This is one of the reasons I cannot justify going to FinCon, though I would love to go.

    So in the spirit of sharing and community, I noticed that you have taken down your header picture. Was that based on advice received or personal preference? I know my blog theme has a big picture at the top and I can choose to have some revolving pictures, it does take up a lot of space, and I’ve often wondered about that if people don’t like to scroll down. I know that you can get some themes fairly inexpensively, but I’m not sick of mine yet (maybe others are, dunno, LOL) and since I just paid for two years of hosting, I need to hold back for awhile, so I would appreciate your inputs. 😀 Thank you!
    debt debs recently posted…I Just Paid Off my Cash Advance Credit CardMy Profile

    • EvenStevenMoney
      3 years ago

      I think you have to come into blogging with the right reasons, I came in to share my story and hold myself accountable during my journey from debt repayment to early retirement.

      I didn’t think I changed my header haha but I suppose I must have. The only thing I have changed is the title description in my header and I’m sure it could be better, but I took a picture from a friend and graphic from another friend and Even Steven Money was born. As far as your header I don’t follow the association with the blog and yes it is rather large for a header. I read somewhere that your title is what really matters for people to search your site, for me I changed it because my goal is retiring early and I don’t think it came across that way.

  • I think the fact you haven’t made any money off your blog is normal and even refreshing. Its cool to read real stories that are genuine and authentic and not optimized for SEO
    Dan @ Our Big Fat Wallet recently posted…Criteria for Finding a Good Rental PropertyMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks @ourbigfatwallet! That’s one thing you will get from me and that’s real stories.

  • I’ve been blogging for almost 2 years now, and I still haven’t made a dime – unless you count the $3 AdSense “credit” I have. You need to keep telling your story, and build your community to support you. Whether money comes from it or not, keep writing from your heart and soul.
    Mom @ Three is Plenty recently posted…Settling In – Part 1My Profile

    • EvenStevenMoney
      3 years ago

      That’s pure dedication @3isplenty, I love talking about money and just as important I love talking about my journey. That’s a great question would I still be writing on this blog if I didn’t earn a dime for 2 years, I am happy to report that I would say yes, but only if it helps with my personal finances for the better. Thanks for stopping by.

  • This is exactly the approach I took at the beginning. Write…write…write…and get better at writing. I’ve only just begun to think about making money from my blog after two years of writing. I’ve probably taken a slower approach to that than others but I just a) didn’t have the time to learn how it’s done and b) didn’t see the point if my blogging career wasn’t going to last. Now that I’m pretty sure it will have some staying power I’m branching into new ventures a bit. Congrats on making it to four months…the first six were the hardest for me.
    Brian @ Luke1428 recently posted…Why Travel Should Be A Must For Every BudgetMy Profile

    • EvenStevenMoney
      3 years ago

      You bring up a great point, it ultimately depends on your progress in your personal finance life, I think if I was writing and accumulating 10K in credit card debt, I’m not sure if I could stay with the program, but I think you get to a point and make a decision, like it sounds like you have. Thanks for stopping by Even Steven Money.

  • You are doing great for 4 months! I practically had no readers until 6 months and had nothing happen until about a year. It’s hard work that takes dedication. You can do it! Focus on writing and consistency. The rest will come. Sorry that blogger blew you off. I’m no expert, but if you need help, or an ear, email me!
    Melanie @ Dear Debt recently posted…4 Tips for New FreelancersMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks @deardebt especially for the offer to help or listen! I will certainly keep writing and doing my best to be consistent, I mean at worst I will be paying off thousands of dollars to retire early.

  • Stay the course…Pat Flynn at Smart Passive Income says most of his online income projects take more than a year before earning anything significant, and a year and a half before consistently earning. I admire your goals, in fact I share many of them. Hang in there you are doing great!
    Joseph Brown recently posted…How Super Small Habits Can Provide Lasting Personal Financial SuccessMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks @moneyhabits101 for the encouragement! I feel right now I am that beginning stage when you start running and everything hurts a little bit because you didn’t stretch, but your mind and lungs are doing great just have to keep running.

  • That’s too bad about that blogger! They probably got (I think this is the rate) $55 for your click on their affiliate link. Good for you not going back.

    And congrats on the success! This is pretty built-up site for only 4 months!
    Will recently posted…Update! Top 5 Article – Rockstar Finance, Guest Posts, Lifehacker, and More!My Profile

    • EvenStevenMoney
      3 years ago

      Thanks @Firstquarterfinance, just got to keep working at it right.

  • Congrats on 4 months of blogging! I have been enjoying your posts as well. It stinks that you were not helped as promised but as a new blogger it’s great to know that is not the norm! :o)
    Tennille recently posted…SavingStar Grocery App ReviewMy Profile

    • EvenStevenMoney
      3 years ago

      Yeah I have had a ton of positive people willing to share, discuss, and help, I just started with a bad taste is all.

  • Your passion about your blog really came through in this post. Clearly, it’s about sharing a goal a dream a reality that you want to create for yourself. I’m here to tell you that if you ever want my advice or opinion on anything just reach out via my blog or email me. I love sharing my 2 cents with others or anyone who’l listen for that matter. Like you, I have no million dollar portfolio, I have no rental property, I live in an apartment, drive an 09 Honda Civic and just built my portfolio month by month since 2007. Like you, I have a lot more to share and inspire. Awesome post. You got me fired up!
    DivHut recently posted…August Dividend IncreasesMy Profile

    • EvenStevenMoney
      3 years ago

      I have a lot more to share and inspire. Awesome post. You got me fired up!

      This got some tingles down my neck and now I’m all pumped up! Thanks for sharing and offering your advice, that’s why all of this can be so great, thanks again.

  • I saw your comment on another personal finance blog I was reading, and decided to come check out your blog and was glad I did! Been reading through some of your posts and now I’m subscribed as well.

    On to the topic though, I think I’ve been blogging for over a year now and started out using blogger.com then moved to self hosted with wordpress. I through some adsense down at the bottom of my blog, but that’s all I’ve really done and I think I’ve made $5 total so far, and not really worried. Pay about $100 a year for domain + hosting.

    As long as at least one person is reading my blog or I can help out one person, I don’t care too much about the income. It would be nice to break even (become even steven, see what I did there) at some point, but my blog is for personal motivation and reaching out to others mainly – not looking at it as a job/income source.
    Debt Hater recently posted…July 2014 Budget ReviewMy Profile

    • EvenStevenMoney
      3 years ago

      Thanks @Debthater! I think you bring up a really good point, some of the bloggers have put some ads on the site and it’s not really bringing in much money, so it has to be about personal motivation more than an income source. P.S. Of course I loved the becoming Even Steven!!!

  • If you haven’t already, you’ll learn that the lame-o who ditched you in the beginning isn’t a good representation of the PF blogger community as a whole. Glad you stuck around! It gets better 🙂
    Ben @ The Wealth Gospel recently posted…Yakezie Carnival – College Football EditionMy Profile

    • EvenStevenMoney
      3 years ago

      Yeah it happens not everyone is rainbows and lollipops, but I will say it has been a great positive experience besides that guy.

  • Glad I found your post. Nice to hear about the experiences of other PF bloggers and know that I am not alone. I have been blogging for almost 1 year. I was hoping to cover hosting but not there yet. I am enjoying the process though and I have learned a lot so it has been worth it. Good luck with the next 4 months.
    May recently posted…The Big Reveal – Net Worth PostMy Profile

    • EvenStevenMoney
      2 years ago

      Thanks May. Yeah the process has been a blast, of course I’m still in the hole for the hosting costs, but I would like to think because of the blog I have saved and invested so much more.

  • I’ve read a lot of posts in my time and the ones that were written for SEO or being blessed by the Google demi-god were the worst. I say write just what’s on your mind, in your own words, and forget the search engines. Thanks for writing your post that way and wish you the very best.
    Gust @ create a budget recently posted…How To Create a BudgetMy Profile

  • Your story is inspiring. It’s true that not all writers get paid instantly and abundantly. But what matters most now is how your writing impacts your readers and all else will follow. Continue to be an inspiration to people. Good luck!

    • EvenStevenMoney
      12 months ago

      Thanks for the positive words. It has been quite some time at least in blog years from that day, but as long as you enjoy writing it’s OK to make $0 at least for a little while;)

  • Thanks for sharing this post. I can certainly relate. Do you mind sharing– are you still making $0 on your blog?

    • EvenStevenMoney
      11 months ago

      I have made money over time, but it certainly has not been my main focus over the past 2 years. I really think it has to be about something else especially in the beginning.

  • Keep writing on what you love to do and the money will follow you. If not, at least you will have a good time. This domain and website will give you tons of opportunities down the road. The internet is only 20 years old. Image the value of your site in 20 more years. Good luck!
    Tax Guy recently posted…Tax Planning For Dummies – 7 FREE Ways to Get Financially OrganizedMy Profile

  • Your experience of paying to blog is probably resonating with readers. Your plans to make “even Steven” one day and do even more can be reached with consistency and knowledge, just as you shared.

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