Anyone can be a blogger. And pretty much anyone can be a decent blogger.

But being a great blogger, one that brings in an actual income, that is a much different story.

It’s easy for many bloggers to find great affiliate product or service ideas for their niche. Personal finance is a bit of a different beast.

You’re going to usually find the audience of a personal finance site falls into one of three categories: Wealthy readers looking for investing ideas, people looking to cut spending and save money, and people looking to increase their income.

The Problem

The biggest concern for anyone who wants to be a personal finance blogger is that your readership is going to be savvier than other niches.

They’ll spot your affiliate attempts and many readers won’t like it. Some might think you’re a scammer or you’re trying to fast track your way to a full-time income through a blogging platform.

Here are a few ideas to get you started.

Saving Money

There are plenty of affiliate programs out there that are designed to save people money on products they’re already buying. The issue is that most of them are already oversaturated on frugality blogger sites. Keep an eye out for new products and services that you readers won’t have to pay for.

Try the service out yourself to make sure it’s actually saving people money. This will have you gain trust and authority. Find more tips on saving money at


Wealthy people want more money but they typically don’t want to think about it.

This should explain why roboadvisors have gained in popularity over the years. People who are looking to invest know that it takes money to make money.

As a personal finance blogger, you want to find products and services that are better than everything else out there. As mentioned in the previous section, a lot of these services are all over the place. You want to bring something new to the table.

Making Money

Getting a second job or a raise is the kind of advice that is played out in the personal finance world. Everyone is saying pretty much the same thing.

Trust me, your readers have seen it. Everyone wants to know how to get more money.

If you have a personal story that ended well for you, this is where you can tell it. Do you have secrets about earning and side-hustles? This is where you can make a lot of money. Create a course teaching people how to build wealth and then offer an affiliate kickback for every person your students bring to the course.

This is how the wealthiest bloggers have found success.

The Takeaway

The key, as you’ve probably guessed, is helping people and coming up with ideas and affiliate offers that other bloggers aren’t using.

Research the competition to find out what everyone else is using and then don’t use the same affiliate offers.

The last thing the world needs is another cookie cutter affiliate personal finance blog. Be different. Be original. Be yourself.