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Writing For Fun, Profit, And User Privacy?

By Frugaling 8 Comments

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Thinking about blogging and writing for profit? What Would You Choose: User Privacy Or Profits?

When browsing the web, as a consumer, all you need to do is type in a web address, press enter, and you’re off. Within seconds, a website will load before your eyes – nearly anywhere in the world. This technological feat feels like magic, but it’s simply code. Underneath the fanciful features and design of the web is a source code. This carefully crafted language, which can be seen above, enables the web to come alive and be interactive. But it’s also brought about a secret underworld that’s threatening user privacy in the name of profits.

The Gateway To Profits

I established Frugaling.org to have an outlet to write about the struggles of student loan debt, credit cards, making a budget, and much more. In the process, it became clear that this outlet could help me pay off some of my burdensome debt. Slowly, I began with Google AdSense. The AdSense platform is one of the largest ad networks in the digital space. Google partners with advertisers and publishers – taking a handsome cut as an intermediary. By doing so, Google allows average bloggers like me to finance what I love to do: write. Moreover, Google ads offer my viewers highly-related and contextual options that can help them on their journey to zero debt.

Then, I decided to accept private advertising spots and engage in affiliate linking. All of these efforts have been conducted with the hope that my users will benefit from the advertising and support the website in the process. From coupons to credit cards, the offers have been very popular. In order to provide this service and site for free, I’ve chosen to fill the open spaces with ads. Frankly, I’m not a big fan of advertising. If I could get rid of it, I would. But being able to pay off my debt is essential, and funding for an ad-free domain hasn’t been availed to me.

The Free Economy

Once a marketing gimmick, free has emerged as a full-fledged economy. Offering free music proved successful for Radiohead, Trent Reznor of Nine Inch Nails, and a swarm of other bands on MySpace that grasped the audience-building merits of zero. The fastest-growing parts of the gaming industry are ad-supported casual games online and free-to-try massively multiplayer online games. Virtually everything Google does is free to consumers, from Gmail to Picasa to GOOG-411. – Chris Anderson, Wired

The free economy has led web developers (like me) to a dichotomy: either accept privacy for a price or profit over user data. This is a painful realization, as I for one appreciate a certain level of privacy. By placing ads on my site, I’ve opened a can of worms that’s more potent than the images upon the screen. Much like the rest of the site, the advertising often contains trackers and beacons that monitor user activity. Even though users may not click on the ads, their visit is documented, logged, and stored for varying lengths of time. This process happens largely without explicit consent from the visitor.

Tracking The Trackers

Let me illustrate this point. When you read over this text, scroll the browser page, and choose to click somewhere on the site, around 20 trackers are active. Everyone from Google to Reddit to Twitter is watching your visit. Personally, I think that’s beyond creepy. While I’m hardly alone in advertising products that contain trackers, I can’t help but question the decision. Have we sacrificed everyone’s right to privacy in the name of profits?

Even Google Analytics is beginning to give developers information about their visitors’ demographics and categorical interests. When I realized this was accessible to me, I figured it was time to write about this issue. It feels like too much. While I appreciate the information about my users, this does a disservice to anyone that appreciates privacy, discretion, or informed consent.

Today, I’m writing as a web developer, user, and student. I’m tracked everywhere I go by my phone’s geolocation, my university’s servers log every website I visit, and my website adds to a murky mix of tracking. I’m both at fault for employing these analytics and simultaneously demanding reform – a hypocrite and an alarmist. Both developers and users/consumers must come together to realize how the two can coexist in respectful harmony.

Time To Take Action

What’s the answer and where do we begin? As developers and writers, I think we bear some responsibility for changing these wayward ways. Beginning now, I’m experimenting with new forms of tracking that respect user privacy by anonymizing IP addresses (which can pinpoint your location), deleting logs after certain periods of time, and keeping your information in-house. In the process, I’m evaluating the full-scale phasing out of using tracking technology that is now evolving to capture your age, gender, and interests. But the fundamental question of how I’ll make money remains.

That’s where users’ responsibility begins. In the mean time, users should defend themselves with privacy-enhancing tools like Disconnect.me, Ghostery, and AdBlock Plus. By utilizing these tools, users can block most – if not all – the tracking around the web.

Unfortunately, these are short-term solutions for a larger revenue and funding problem. There’s still a fracture between what users are willing to pay for written content and the privacy they desire. Without governmental oversight or intervention, changing business practices for the sake of users seems impossible. Longer-term, having users pay for content and supporting writers is fundamental to an ad-reduced and/or ad-free environment (without plugins). If we could get to the point where visitors could support writers through donations and private (tracker-free) ad deals, this could provide a solution.

Filed Under: Make Money

5 Problems Of Using Cash To Stay Frugal

By Frugaling 13 Comments

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5 Problems Of Using Cash To Stay Frugal

Something about switching to a cash only lifestyle is screwing with me. I’m less than five days into an experiment where I’ve put away all my credit and debit cards, and replaced them with the good ol’ US dollar. There are a multitude of reasons for eschewing the digital dollar: people tend to spend more with credit, tip more with a swipe, and purchase discretionary products.

Cash should be easy. I’m looking to be more frugal, and all the research suggests that cash (which is concrete) is harder to spend. Instead, I’m floundering and fishing for ways to better acquaint to cash. The reality: I’m having some trouble with the classic currency.

1. Cash Reminds Me Of High School

It’s been a long time since I touched the green paper known as cash. In fact, I haven’t really used cash since high school. I’m a Millennial with keen eye towards the digital world. I’m an avid Mint.com user and Ally Bank customer. Something about cash just doesn’t mix.

Cash is painfully slow for tracking purchases and spending habits. Whereas credit cards feed all the spending right into my Mint.com account, I have to sift through receipts and cobble together some patterns.

2. Stores Don’t Honor Cash

While every store I’ve ever been to accepts cash; in reality, they don’t honor it. What do I mean by that? Well, cash saves corporations lots of money in transactions fees associated with swipe commissions. Visa, Mastercard, Discover, and American Express all make a cozy living through transaction fees.

When you receive 1 to 2 percent cash back on some credit card, the issuer is just cutting you in on their profits. Cash consumers get the short end of the stick, though. As I carry in my awkward wad of bills, the store clerk accepts it at the same price as credit purchases. For instance, that $60 pillow at Target costs $60 in cash and $57 for someone with a RedCard (comes with a 5% discount). And even though a major corporation loses a significant amount of profits to credit card purchases, they don’t offer any incentive to use cash.

Likely, stores still benefit from tracking credit card numbers. Even though Walmart doesn’t have a store card, they track all purchases and try to predict buying behavior in its customers. If you use the same credit card, they can effectively track your every move. Again, cash consumers are punished and receive goods at a 3% premium.

3. Cash Is Cumbersome

Maybe I’m psychologically weak or overly complaining, but I hate carrying around cash. Not only is it a flight risk – anybody can walk up to you and steal your cash – but it just fills my pockets with an unnecessary jingle that reminds me of the Salvation Army working a storefront.

With credit and debit cards, my minimalistic dreams were wonderfully clear and easy. I could reach into my pocket and quickly grab what I needed it. Now, I’m sifting through bills and change – searching for the appropriate denomination. I’m clumsy.

4. I Need An ATM

It feels stupid searching for an ATM. Everywhere I go, I’m looking for one. Even though my checking account offers free ATM withdrawals anywhere in the country, I feel held back by the need to find one.

There have been a few times where I literally ran out of money, and without an ATM visit, was unable to make a purchase. Now, if this was an unnecessary, discretionary product, this would be the perfect example of cash’s frugal ability. Instead, I’m left choosing between groceries that I can or can’t buy.

5. Where’d The Time Go?

Cash transactions, ATM visits, and spending errors (at least early on) have slowed me down immensely. I feel like I’m losing time in my life by constantly dealing in cash.

Just a couple days ago I parked in a local lot. As I made my way to the exit and payment station, I had to go into a full “cashier” lane – bypassing two “credit card only” lines that were empty. The extra time seems exorbitant and useless. I find a particular frustration with the process.

Filed Under: Make Money Tagged With: cash, credit, money

Five Months Of Frugaling: A Reflection

By Frugaling 8 Comments

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Frugaling.org was founded on May 4th, 2013, as the spring semester of graduate school was just wrapping up. I wanted to write about my efforts and find an audience. Since then, nearly 69,000 people have visited the site. I’m proud to announce that today marks the 5th month anniversary!

Some of this month’s highlights included, learning to say no to more responsibilities, how Facebook makes you spend more, and how I was paying off massive amounts of student loan debt. Overall, this was the highest grossing month and one of my most productive writing periods.

For this reflection, I decided to separate the website’s growth and my personal finance accomplishments. Read below for more details:

Website Growth

  • Continued growth in Google traffic
    • The organic traffic to my site has continued to grow for older articles
    • Google appears to be ranking my site higher more regularly
    • Joined the Google Authorship program after reading Modest Money’s article
      • Noticed a positive bump in traffic because of it
  • Increased RSS Subscribers
    • Google’s Feedburner has shown tremendous growth in subscribers of the RSS feed
    • There are now over 130 subscribers of the site
  • Strong influence and commentary from personal finance community
    • The personal finance bloggers have increased commenting on my site, which has really made me feel like I have more of an audience and conversation going on
    • I’m deeply grateful for their time and effort
  • Nearly breached the 200,000 mark on Alexa
    • Got incredibly close to surpassing the top 200k on Alexa! Wow!
    • Very excited to pass that hurdle over the next month – I’m crossing my fingers
  • Progress with AdSense
    • Revenue grew from $26 to over $40
  • LinkOffers Affiliate Revenue
    • Affiliate Revenue continued to be a highlight, as I made thousands of dollars this month from this

Personal Finances

  • Paid off $4,000 in student loan debt
    • Hoping to get below $30,000 by January 1st
    • People started commenting that this site may be more than just a hobby
      • This is both a flattering and startling reality, as it’s only been five months of work
  • Testing out an all-cash lifestyle for 2 weeks
    • Putting all my credit and debit cards away

Filed Under: Make Money

Want To Blog For A Living? 5 Reasons To Choose WordPress

By Frugaling 9 Comments

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Want To Blog For A Living? 5 Reasons To Choose WordPress

Frugaling.org is nearing its 5th month of operation and the earnings are still going strong! In fact, writing and working on this has turned into a nice side income. The site has been growing and growing, and because of that exposure, a lot of people have begun asking how they can emulate the process. Plenty of people have something important to share, but few know how to do it.

The key, as I’ll explain below, starts with WordPress. It’s is an open source blogging platform that makes up the foundation for a variety of blogs and news sites.

The following are five key reasons to use WordPress:

1. The Price Is Right

The platform is entirely free and accessible for a variety of uses. There are no licensing fees and its entirely expandable for anyone who uses it. For the frugal fiends and friends out there, this may be the most important part. It’s development is publicly observable and you can file bugs, ask for support, and seek help entirely on WordPress.org.

2. Show Your Expertise

Google has recently begun pushing authorship as a factor in credibility. Your public writing ability may account for future job opportunities and having a WordPress site may become essential. When it comes to increasing your side income or making a living, nothing helps more than solid writing that’s publicly accessible; by doing so, it quickly puts you a cut above the rest.

3. Easy To Use

WordPress is one of the easiest, most flexible blogging design platforms available. I’ve been using the framework for about 6 to 7 years now, and never had a problem with it. There are tutorials and learning materials for educators and students. Likewise, when users immerse themselves into the WordPress platform, learning immediately begins (with welcome messages and videos). A variety of support networks have also formed. By using this software package, you will significantly remove the difficulties associated with getting started.

4. Private Or Public

WordPress allows for flexible privacy restrictions and can tell Google (and other insignificant search engines) not to read certain pages. Thinking about growing your business and/or blog? WordPress sites allow for multiple contributors, editors, and users. All of these high-end features create an easy-to-use environment for you and your consumers.

5. Latest Technology

When using WordPress themes and formats, you can trust that you’ll be using the latest technology that works across browsers. For instance, today’s WordPress themes normally utilize HTML5 web standards, which are accessible across browsing environs (e.g., similar design on an iPhone and desktop computer).

For More Information: http://wordpress.org/

Filed Under: Make Money

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