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52 Lessons From Blogging A Year

By Frugaling 16 Comments

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52 Lessons Learned
Photo: flickr/gr33n3gg

Today is the first-year anniversary of Frugaling! I’m very fortunate to share my lessons from the first 52 weeks of blogging. I learned an incredible amount, and I’m hoping that some of the following points inspire future bloggers and frugalers. Enjoy!

  1. Setting up a blog is surprisingly easy
    1. I started Frugaling on May 4, 2013. It was a shot in the dark. Within hours of buying the domain name, I had a WordPress blog running. A few days later, everything started coming together — logo included.
  2. Networking online is even more important than in-person
    1. When you’re just starting out, it can be funny and saddening how few people visit. You’ve probably invested some time and money to try and start this new site. Even more, you’re spending precious time writing articles (at first) that are read by no one. This is where building a network is vital to your motivation and livelihood as a blog. Connect with similar sites, offer to link, comment on their articles, and tweet/share without expecting reciprocity. Your network will build over time if you follow these steps.
  3. Prepare for harsh criticisms of your work
    1. Every now and then, I get a story wrong, use an inappropriate word, or botch my grammar. When I see it, I try to correct it right away. Those things bother me, too! Unfortunately, the Internet isn’t always the kindest place. It can foster some horrific personalities in some. Some people notice these errors and take to public displays of hate or vitriol. Don’t be surprised if people post on Reddit about how awful you are! Hah.
  4. Get controversial every now and then
    1. Writing shouldn’t be bland. You’ll bore readers. Go ahead, stir up some trouble!
  5. Focus on quantity over quality — quality comes with quantity
    1. I am a firm believer that writing a lot is the most important action. I make grammatical mistakes, and I’m not afraid to admit it! When I write, it’s always flawed with room for improvement. But at least I write. I never want to suffer the paralysis that comes from worrying about whether my writing has errors. The words need to flow — mistakes included. I’m a firm believer that publishing at a feverish pace enhances my quality.
    2. Focus on your count, rather than quality. Otherwise, you’ll be looking at one perfect paragraph and an empty site.
  6. Success is not measured by your income, but it helps for motivation
    1. I’d be lying if I said that making five figures in my first year of Frugaling didn’t motivate me to write better. It does! My word of caution is not to get wrapped in income as a measure of achievement. You’ll have up and down months for ad revenue — that variation doesn’t connote more or less success.
  7. Share your journey with friends and family
    1. I’m lucky to have a supportive network of friends and family that keep me going. Whenever I hear from them, or they tell me they’ve read an article of mine, I feel incredible joy.
  8. SEO Stats Frugaling
    SEMRush Statistics

    Google can be your worst enemy or best friend

    1. Your placement in Google searches is vital to your daily traffic and revenue. I receive about 200 hits from Google every day. Without Google, I wouldn’t have nearly the revenue I have today.
  9. It’s okay to walk away
    1. Sometimes I can’t write any more. Sometimes my brain is tapped for ideas. Sometimes I feel down about my writing. For me, I value the ability to walk away for a bit, and then return refueled. Every time I walk away from writing for a while, I feel the surge return. Give yourself that permission!
  10. Social media leads to explosive growth
    1. The most popular article on this site is called, “Too Poor To Protest: How Income Inequality Silences Your Voice.” If you search that phrase (“Too Poor To Protest”) on Google, my article is the first link. The article was shared at least 1800+ times on Facebook, over 200 times on Twitter, and over 50 times on Google+.
    2. Little did I know that when I shared it on Reddit, it would become a trending topic on some of the largest categories on the site. I was featured on the front page of the r/Politics portion of the site, and then other people shared it across different parts of the web. Over the first three days, I received over 12,000 new visitors.
  11. Time important articles to financial events
    1. When tax season comes around each year, people flock to Google for advice, answers, and feedback to get a larger tax return. This year, I timed an important article with this event, and it paid off. I published an article on an important refund bonus that Amazon was offering when you purchase TurboTax with them. Using an affiliate link, it paid over $200 in ad revenue for that one article.
  12. Write, re-read, schedule, re-read
    1. New articles flash in my head. Usually, I push every other priority out of the way and write for a good 45-60 minutes. After one of these crazy writing flashes, I’ll normally have about 600-700 words. Now, I re-read the article to check for flow and errors. I like to publish new articles as soon as possible, and immediately schedule them for about 5-10 minutes after the write and proofread. Then, in one last attempt to catch errors and make it sound smoother, I re-read again. I normally catch one or two major mistakes in this last round.
  13. Share what you’re reading with your audience
    1. If you’ve developed a following, it’s time to give them the insight that you have. If you read financial books regularly, why not share that with your audience?
    2. I wrote an article on 3 books I recommend everyone read for a thorough understanding of current stock market dynamics and personal finance issues. On top of sharing these books, I made a little Amazon commission off each one sold.
  14. Persistence is key to growing audience and followers
    1. Over the course of a year, you’re probably going to doubt whether continuing to write is worth it. This is a key fork in the road for many writers. This doubt can creep in and destroy all your hard work. Here’s where it pays to keep on writing — keep trying. By publishing and writing regularly, your audience will grow rapidly and readers will know how often to expect your work. Persistence pays!
  15. Inspire and encourage others to take up blogging, writing
    1. When I first started Frugaling, barely anyone bothered to say “hi.” I was a no-name in a field of personal finance sites. Nobody had any reason to visit. Nowadays, I get strange/foreign reactions from followers. When I comment on a blog just starting out or follow them on Twitter, oftentimes I get these shocked responses (like they can’t believe I commented on their little ol’ site).
    2. It’s incredible to push someone else into starting their own website. Writing and sharing in this way can be incredibly empowering. Why don’t more people try it!?
  16. Pick an intrinsic passion
    1. Maybe this is obvious, but you shouldn’t ever blog about anything you’re not entirely passionate about intrinsically. Sharing your views and ideas with the world is wonderful, but if you’re not excited every day, you’ll become bored and lose the focus/desire to publish more.
  17. Seek mentors that have done it before
    1. When I first started blogging, I sent a number of emails to top personal finance writers. I wanted to hear about what worked for them and how they built terrific, large audiences. Their insight was priceless. It cultivated and honed my own abilities as a writer and entrepreneur.
    2. Recently, I began interviewing the best bloggers in the community. I absolutely love hearing about what motivated other people to begin writing about this important topic.
  18. Writing a book is easier when blogging regularly
    1. This summer, I’m hoping to turn a few key articles and themes into a top-notch Kindle book for you all. With nearly 200 articles to choose from and various important themes, I cannot wait to compile some into a book. By itself, writing an entire book would’ve been daunting, but now I have tons to choose from and thousands upon thousands of written words.
  19. acer google chromebookThe technology you use needn’t be advanced
    1. Nowadays, I recommend people check out Chromebooks. They’re Google’s take on laptops. If you’re just going to be blogging, you only need a keyboard, web host, and WordPress. Yes, you can benefit from more advanced setups, but the basics are exceptionally affordable. Entering into the blogging world should not be analogous to starting a normal company — keep costs in line with that idea.
  20. Inevitably, your web host will crash
    1. Hopefully the downtime won’t be during a highly-trafficked period. Unfortunately, that always seems like the exact moment when everything crashes. A couple of my most popular or money-making articles pushed my web host offline, and cost me hundreds of dollars (in lost revenue) in the process.
  21. Web hosting is more important than you think
    1. At first, it’s easy to get wrapped up in the basic idea that you start writing and it’s on the Internet. But behind all this tech magic is an intricate layer of data connections. Certain web hosts are notorious for poor performance. Choose a web host that’s known for rapid connections. The faster your site loads, the higher ranking you’ll receive from Google.
  22. Sometimes airing your dirty laundry is the best idea
    1. The amount of support received is mindboggling. Whenever I write a more personal article, readers comment their support and understanding. The community of personal finance writers is incredibly positive.
  23. Frequent readers prefer shorter articles
    1. My most popular articles with the regular audience tend to be thought-provoking questions about how to deal with financial problems. These articles are normally about 500-700 words. They tend to be well-shared among the personal finance community, friends, and family.
  24. Longer articles are better for Google
    1. These posts spread like wildfire and attract new readers to the site. Google tends to rank these articles higher on the search rankings, too.
  25. The tax man says I run a business
    1. This was the first year that I had to fill out a Schedule C for my taxes. This portion of the massive IRS bureaucracy deals solely with profit and loss from a business. Now, all that advertising revenue adds up to a hefty tax loss. Fortunately, I can write off any business expenses. For example, paying writers, hosting fees, and travel related to work can all be deducted.
  26. Experiment with new projects
    1. Throughout this first year, I tried a few frugal projects. One of my most popular was trying to go 7 days without spending any money. Another one was my experiment with an all-cash diet. Both offered a win-win for me and my audiences, as I could share my experiences and help others in the process.
  27. Haters gonna hate
    1. The Internet is full of haters that use hurtful, vitriolic language to convey awful opinions. Let them hate. If you’re receiving strange messages and hearing how others disagree with you, just think: you’re on the right track and building an audience.
  28. Speed up your website for better Google results
    1. There are some simple programs you should use to speed up your website. I’d recommend checking out W3 Total Cache, Smush.it, and looking into loading “script” sources asynchronously. This last change will help heavy data elements on your page load last — the important content will load in the mean time.
  29. Unsubsidized Student Loan Chart Debt Question
    My unsubsidized student loans were going crazy. In August 2013, they reached $25,000. Now, they’re completely paid off!

    Include your readers in successes

    1. In the personal finance domain, talking about money isn’t taboo. Your openness is rewarded. Whenever I hit a milestone — like paying off $25,000 in student loans — my readers shared in the success and encouraged me to keep going. I really wouldn’t be able to do it without them.
  30. Men visit way more often than women
    1. Not entirely sure what contributes to this statistic, but about 70% of the visitors to this site are men.
  31. Most are aged 25-34
    1. My audience is primarily younger, and just starting out on their independent financial journeys. Likely, many are fresh out of college, new to the working world, and looking for ways to save and make more money.
  32. Start a blog as a side hobby, then consider full-time
    1. The perfect opportunity to blog is when you already have a full-time job. Blogging can be done in between busy periods, weekends, and anywhere you find an extra 15-60 mins. It’s the perfect side hustle!
  33. Ask friends and family to chime in, visit the site, and/or provide feedback
    1. Close ones can lead to important areas of improvement in the design and content of your site. I’m fortunate that there are a number of great writers and readers among my family and friends. They constantly provide important feedback that helps me improve.
  34. The focus isn’t money — it’s being able to live the life you desire
    1. While running and writing for Frugaling has paid off — big time — the focus wasn’t ever solely on money. Rather, I started Frugaling to hone my writing ability, share my stories, and work on reducing my debt. The advertising money followed, and it’s been a wonderful bonus to the main purposes.
  35. Basic text editors help me write ideas and prep new stories
    1. I get new ideas everywhere I go. Whenever something pops into my head, I write it down and often begin writing. I have found that taking advantage of new energy gets the articles finished faster.
    2. Google Drive (with Docs), Apple’s Reminders app, and the built-in TextEdit program all help me stay on track.
  36. A purpose-driven blog, but I drive that purpose
    1. This article — the one I’m writing right now — doesn’t necessarily fall into the tight bounds of personal finance. And if you’re frustrated by this tangential article, feel free to unsubscribe. While I consider this a purpose-driven blog, it’s a purpose I drive — not the other way around. Over this year, I had multiple people criticize my publications on blogging, ads, etc. Many suggested they were frustrated that I didn’t stick to finance-related articles. For the most part I do, but every now and then I love using this platform to speak about something else.
  37. I made a lot of money
    1. Despite not being the main focus, money poured into my wallet and I used it to pay off massive amounts of debt.
  38. It provided an outlet for accountability
    1. Writing a blog about frugality kept me honest for my readers. I didn’t want to disappoint them.
  39. Affiliate income is king
    1. Most of the money earned came from affiliate advertising for various banking products. The amount of money that can be made from these financial products and advertisements is shocking; like, five figures of shock.
  40. I’m willing to work even harder to stay out of debt now
    1. I refuse to make the same mistakes I made to get into massive amounts of debt. Starting this site helped me see the value in working to change my financial circumstances.
  41. There are many more ways to save
    1. There isn’t one comprehensive list that could cover all the ways you can save money every day. When writing articles on this subject, I’ve enjoyed putting on my thinking cap. In a way, it takes a creativity to save even more than others.
  42. I was ignorant to the power of excessive student loans
    1. Somewhere between denial and stupidity, I took out massive amounts of student loans over the first two years of graduate school. On track for $100k by the end, I was awakened to the reality of how long they would take to pay off. No one at my universities ever tried to explain the consequences of all these student loans. After a year of active research and reading, I’m beginning to understand how others get into this mess — universities are culpable.
  43. Our consumer society has horrible consequences
    1. Sometimes I’m able to reduce my spending solely because of the burden my consumerism may place on the environment. I want to reduce my emissions and harm to the Earth. It helps keep me from impulse buying for new clothes and electronics, when I think about the bigger picture.
  44. You can actually make yourself happy with money
    1. This year I read a couple key research articles that shared the results of what actually makes people happy when they have money. Most often, happiness comes from helping others and giving to important causes — putting your money to work to help others.
  45. The personal finance community content sometimes gets repetitive
    1. This is not a universal truth, but there are some basic finance stories that seem to spread to every site. Oftentimes, these articles focus on minor savings on coffee. Why coffee?
    2. I live for the articles that get really personal or uniquely approach financial problems.
  46. Guest bloggers and paid staff are a wonderful addition
    1. I had two regular guest bloggers over the course of this year. While I couldn’t pay them much (as all my money was going to pay off debt), I did give them a little. I got to practice my own copy editing skills, and they filled gaps when I couldn’t come up with new content (for a number of reasons).
  47. I’m really dependent on and thankful for Google products
    1. I mentioned Google Drive for writing articles, but I use Google for nearly everything. From researching new articles to checking my site stats to seeing my AdSense revenue, Google is at the heart of my success.
  48. The Internet allows for any niche
    1. My audience — you! — is a unique crew. Nowadays, there’s a group of people for any kind of writing. This is an empowering time to start publishing.
  49. Be generous with your links to other sites
    1. Whenever I write an article or publish an interview, I try to link to every site therein. I believe that generosity is genuinely rewarded on the Internet and often encourages the recipient to look at your site in return. This can open great networking opportunities!
  50. Writing for free is risky
    1. I’ve written for free and had both positive and negative experiences. Once, I wrote a 2000 word article and the company decided they didn’t want to publish the article anymore. That sucked.
    2. I would only recommend writing for free if there’s an exchange of traffic and future readers in the process.
  51. Frugaling received over 225,000 pageviews for the year
    1. This is more than just a statistic. It brings a tear to my eye. I guess I learned that people do enjoy reading my articles and seem to appreciate what I have to offer. That’s more exciting than anything else.
  52. The readers are vital to my motivation
    1. Without you, I wouldn’t have the motivation to work this hard; in turn, I wouldn’t have paid off massive amount of debt. Thank you for giving me the courage, energy, and hope to strive for a better life.

Filed Under: Save Money Tagged With: Blog, Blogging, Consumerism, Google, Income, money, Side Hustle, Work, writers, Writing

I Am LaTisha Styles, Founder Of Young Finances, And This Is How I Work

By Frugaling 7 Comments

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Latina Styles Headshot
Latina Styles

Over the last couple months I have interviewed a growing number of top bloggers and writers to get their input on personal finance (e.g., the founders of Budgets Are Sexy, The Broke And Beautiful Life, Frugal Rules,Debt Roundup, and Modest Money). Today, I’m excited to share with you another terrific interview with one of the top personal finance writers on the Internet.

LaTisha Styles founded a popular website called Young Finances. Since 2010, she has become an Investment Analyst, entrepreneur, and was featured in a variety of publications. Here’s my interview with her. Thanks again, LaTisha!

What inspired you to begin Young Finances?

I started Young Finances because I graduated college in 2010 and I was having a hard time finding a job. I had a degree in Finance and learned a lot about the correct way to manage personal finances after recovering from several bad decisions I made with my money. I decided to start writing about what I learned to help other young adults.

How did people (friends, family, etc.) react when you first started? How long have you been blogging?

Almost all of my friends were supportive. I used to share each post on Facebook and I got a lot of good feedback and encouragement. I started the site in December of 2010, but I have been blogging much longer. I started an e-zine when I was 14 and I just found an old issue! It was such a blast from the past.

What was your experience with design, code, web work prior to starting your site?

I graduated with a business degree, and had to learn the basics of HTML and CSS in our business information systems class. We had a group project that involved creating a single page website from scratch using Dreamweaver. I later taught myself more using W3 Schools to understand the basics of PHP and Javascript for WordPress. I personally did a few customizations to my site but on the next redesign I would probably hire a professional coder.

What advice would you give to those thinking about starting their own site?

logoYTDon’t be afraid to just get started. You don’t have to know everything when you are first starting out and you won’t know everything. If you don’t like the name of your site you can always change it. More than once. I started out as Financial Success for Young Adults then moved to Young Adult Finances and now my happy home is Young Finances. I think this is where we’ll stay.

How do you make money from your site? Where does most of your revenue come from?

My site generates revenue primarily through affiliate marketing. When I first started, I sold text links and sponsored posts but I decided to focus on more stable revenue. If you’re like me and interested to see income reports, I share the income that comes from my web properties each month at TravelTish.com. Mostly I learn about the best financial tools and I test them out for myself before recommending them to my audience.

What do you think you’ve learned from your readers and fans?

I’ve learned not to be so scared. I used to be really scared about putting personal information out there and sharing my money mishaps. But once I starting sharing, more people (and even close friends!) started reaching out to share their stories about money. It makes me sad that personal finance is such a taboo subject because I think that we could all learn a lot from the mistakes and successes of others.

How I Work Youtube Latisha Styles Office
LaTisha’s workspace where she films YouTube videos

How can somebody in lower incomes best overcome financial hurdles and prosper?

I can only speak from my own experience here. I come from a low-income family and I was determined to set the bar high for myself. I was fortunate that my parents made school a priority and taught me smart study habits. I decided to learn about how money works and how banks and businesses make money. Learning the system is the best way to beat it.

Wherever you are starting, you can do it. I always imagined that someone held me back at the starting line of my financial life, but I just had to exert that much more effort to win and achieve my own financial success. And I’m still gunning for first place.

I had to be willing to be different. Turn off the TV, start reading about successful people, figure out the formula. It will take time but you can do it. And look for role models and mentors. Tell them about your goals.

“When you really want something to happen, the whole world conspires to help you achieve it.”

That’s from The Alchemist by Paulo Coelho one of my favorite books.

Who are your financial role models?

I admire the stories of ‘regular people’ as my financial role models. People who started with nothing and worked hard. Author J.K. Rowling who worked day and night on a book that helped pull her out of poverty and rapper B.o.B. who came from humble beginnings in Decatur, GA and played no name venues as he gained his fan base. I really admire that strong work ethic that unites successful people.

What personal finance sites do you read?

As a personal finance blogger, I like to read the sites that are very different. RomeoJeremiah.com has interesting posts about life and personal finance. I really enjoy reading AffordAnything.com. Paula really appeals to the rebel in me. I discover new blogs everyday but these are two that I come back to often.

To be honest, I would love to see more video personal finance bloggers. I enjoy watching FatGuyOnYoutube.com and of course, YoungFinances.com/tv.

What else would you care to share with the readers of Frugaling?

I would love to share my dancing skills! (And a bit of business advice). Please head over to this video and watch me do the hustle: youngfinances.com/sidehustle

Filed Under: Interviews Tagged With: Affiliate Marketing, Business, Entrepreneur, Income, LaTisha Styles, low-income, Side Hustle, TV, wordpress, Young Finances, Youtube

Gigwalk Your Way To Free Travel

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When you’re in college, people will tell you that school comes first. You’re here to learn and get educated. Shape up or ship out. Tune in or drop out. I couldn’t disagree more.

Going to university is exceptionally complicated, it isn’t for everyone, and it comes with serious financial burden. As a student, the financial and time constraints can be frustrating. The urge, for the motivated, is to work more. The reality is that there just might not be enough time in the day to hold another job – nor is that always a psychologically healthy decision.

If anything, college is about learning to prioritize what’s important and balancing work with life (check out the Tailored Freedom blog for re-defining balance). Sometimes, to make a buck and free up time, you have to get creative. That’s where Gigwalk comes in.

Gigwalk was founded on the principles of crowdsourcing work. Large companies need minions to do local work. From pictures to surveys to secret shopping experiences, Gigwalk bridges the gap. If you have an iPhone in your pocket and live in a city, you can start. With little more than an iPhone and a PayPal account, you can begin applying to Gigs and making $4-80 (depending on availability).

Unfortunately, there’s a catch: It’s not easy or intuitive. Take the most popular Gigs that are available these days by Bing Business Photography. Bing has a dream, and that is to photograph the country’s businesses – inside and out. Unlike Google, who has its own employees doing this, Bing decided to crowdsource the project and pay people $5 to $7 per storefront. Most Bing Gigs require 4 photos of the store and a Photosynth (360 degree picture of the inside). This can get hairy when you walk into an open business, spin around three or four times, and start taking pictures. Let’s just say, it’s creepy. Employees give you strange looks and patrons wonder if you’re casing the joint. But as a natural extrovert, I just go out there and socialize. I get paid to spend about 10-15 minutes at a business.

In about an hour, I made $28 in my own city. Bing approves the Gigs in a day or two and then the money magically appears in my PayPal account. Couldn’t be easier.

The real secret comes in the possibility of traveling on Gigwalk’s dime. You see, you can apply for Gigwalks anywhere they’re available in the States. Let’s say you want to take a roadtrip to Chicago, and you know where you’ll be staying. Just apply for a variety of Gigwalks in that area, complete the pictures and 360 pano, and you could just about pay for the entire trip in a couple hours. Chicago alone has thousands of dollars in Gigs!

Gigwalk in the App Store: Download here

Filed Under: Make Money Tagged With: Gigwalk, Income, Make Money, Side Hustle

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