Are There Too Many Personal Finance Bloggers?

personal finance bloggersShort answer, no there’s not too many personal finance bloggers. For the long answer, it was inspired by a recent AMA (Ask Me Anything) on Reddit by Gwen from Fiery Millennials.  One of the people there asked her what makes her any different than every other personal finance blogger out there. That question, which she eloquently answered, was one that held me back from starting a personal finance blog myself for so long.

There are tons of personal finance bloggers out there. New ones pop up all the time. Don’t believe me? Just check out the directory at Rockstar Finance, which adds new blogs daily. So with so many personal finance bloggers out there, why even bother checking them out or starting your own? That really boils down to one thing: perspective.

Personal Finance Bloggers Are Not All The Same

Although, a lot of the information is the same in terms of financial advice, they differ by their situations. If you want information about paying off debt, investing, making money, you can simply google it. You’ll find a *pardon my french* shit ton of articles from financial based websites.

Have an emergency fund, start early when it comes to investing, make more money, save more and spend less. These are topics hammered home in almost every blog, but the difference is the personal spin on it.

People, myself included, search for something they relate to. It’s hard for me to relate to someone who is married, has two kids, a mortgage and makes six figures. I searched for bloggers who were closer to my income, my lifestyle, my habits.

In the same way, some people may not relate to me writing about how I have a roommate and cheap rent. No kids and no marriage. Making an average fellas’ salary and quite frankly, doing nothing overtly extravagant in terms of finances. I’m not trying to put myself or any other blogger down here, but that’s the reality. Everyone has a different background and so there’s absolutely room for every one.

But Blogging Is A Business Right?

Here’s the secret that’s not a secret: you can make money blogging. I’ve followed bloggers who went from a loyal following that increased exponentially to selling their blog for a large sum. A lot of bloggers, regardless of niche, usually share an income report on their blog. Some bloggers are making enough money to do it full time.

If you notice on the sides and the bottom, I have ads placed. I have affiliate links that I get commission from if people buy through my links.

I’ve debated sharing a monthly blog income report because honestly I’m not making a ton of money. I’ve recouped my initial investment for the website and that’s more than I could have hoped for. But I do get a kick out of reading other bloggers income reports.

Despite the potential for income with blogging, it is not a competition. Businesses benefit (or not) from a competitive market in which they might surpass their competitors for being the best of the best. With blogging, it’s a community or tribe of like-minded people sharing ideas and connecting. All are welcome.

I can’t speak for all, but for me, blogging as a business isn’t the goal. I applaud those who turn it into such because it’s amazing. Having a voice about a topic I’m passionate about is the goal. That goes for a lot of personal finance bloggers. They want to track their progress, share their successes and failures, and generally talk about things that, quite honestly, are boring to most people.

The Personal Finance Blogging Community Is Amazing

In my short and infrequent time blogging and using Twitter, I’ve found nothing but supportive people. Other finance nerds (I mean that with love) talking about paying off student loans, encouraging others to reach their goals. It’s a great community to be a part of to get advice from and generally just see if there’s something different you could be doing.

I can’t tell you how many conversations I’ve had in person, at the bar or at work, where people around me are just like “Ugh, talking about this AGAIN”. So it’s a great thing to be able to share your thoughts with people in the right setting. That was the sole purpose of my blog.

Final Thoughts

Are there too many personal finance bloggers? The answer is no. All voices and situations can be added to the saturated pool of personal finance bloggers. My perspective may not be for you and that’s okay. Just check out all the other great blogs on the Rockstar Finance directory and find something that suits you.

In fact, if you are on the fence about starting a personal finance blog because of this reason, I implore you to do so right now. Join the community and share your voice because someone will listen. Everyone’s got a story worth reading about to someone out there.


What are your thoughts? Are there too many personal finance bloggers out there?


Fairly Frugal Fella


  1. I was a little worried when I read the title of this post, but relieved when I continued to read. I completely agree that perspective is everything when it comes to reading (and indeed) writing a personal finance blog.

    Although the information may be similar, a personal finance blog from a young, single, minimum wager would resonate with me more than one from a retired individual looking to top up their pension pot.

    It’s the reason I recently started my own personal finance blog. I’ve managed to get myself into £35,000 worth of debt and, as well as keeping myself accountable for paying it off as quickly as possible, I want to provide content that others in a similar position can take from.

    Thanks for the great post!

    • Great job on starting the blog Phil. I know there are plenty of people out there who will find that your blog resonates with them also.

      There are so many factors and lifestyles out there, that a few blogs cannot possibly cover all topics. So its in my personal opinion that more is merrier in this situation.

  2. Love this article! I have found that with blogging that other bloggers are your allies and not your competitors because we have the same passion. Plus, it is a bonus to talk about money non-stop!

    • Exactly, Nicole! I meant to add a part about business in there. In business, typically competition can be good or bad. Competition drives competitive prices down and quality up. But in terms of blogging, it’s like friends sharing the same passion.

      Plus, I’ve already driven my real life friends insane with my finance talk. It’s a good thing the blogging world is so welcoming!

  3. OMG! I love this so much! I had NO IDEA when I started there were so many personal finance bloggers. I started blogging as a way to hold myself accountable on my personal growth and profitable life journey. I thought MAYBE I could empower someone along the way. Plus, I love to write. I agree with you that I don’t always agree (or understand half of) what I read but I love that there are so many trying to find their own happiness and security. It’s been tremendously inspiring to me. I’ve found my tribe and I welcome any and all newbie bloggers. Find your voice and preach it. GREAT ARTICLE!

    • Right on, The Lady! I knew there were plenty before I started, but I didn’t exactly know how I’d fit in among all the already excellent information out there. I’m not sure where blogging will take me or how far, but in the mean time I really love being able to share things with the tribe.

  4. Love this post! I don’t know why people take it as a fixed thing. A blog grows with you. 10 years from now I can be blogging about mommy finance or backpacking through Thailand finance. Everyone’s got their own story. There’s no competition, we are a community.

    • Thanks Lily, I agree. I can’t really fathom that type of mentality towards blogging. It’s community based, not a market for stepping on the backs of everyone to get to some metaphorical apex in blogging.

      I look forward to reading your backpacking in Thailand finance blog in 10 years 🙂

  5. I’ve only been in the game for four months, and I’ve noticed the same things. Tons of bloggers. But most, if not all, have no one and no where else to share their stories. You do have the unfortunate group of bloggers who start only to make money. And there are a boat load of PF bloggers encouraging them to do so and offering affiliate links to bluehost etc. I’d like to recoup my costs (especially because I spend a lot on it for convenient gadgets). But then I have extra cash to spend on my hobbies thanks to my side hustles, so I err on the convenience side. Great post, my friend. Spot on.

    • Thanks Chris! I think that’s the biggest reason I started blogging. To share my opinions and struggles about a relatively boring topic. I didn’t realize how large and welcoming the community was initially, but I’m glad it is what it is.

      The idea of making money through it was something I struggled with. But after making back my investment, if I never made another cent, I’d be perfectly happy.

  6. This is an awesome post. I started a blog 3 months ago because I have a story to tell and also because I wanted to share without the ackward conversations just like you mentioned on your post. Just like you, I’ve seen nothing but support and appreciation from the community and that’s just phenomenal. Weather my blog becomes a business or not is TBD. For now, my focus is content and sharing. Great post my friend… Great post!

  7. I also really enjoy the community. Even if I never make a cent in the personal finance niche I certainly enjoy the daily conversation. Even before starting my site I would spend a lot of time reading about and commenting on personal finance topics. I just find it fascinating.

  8. Great article! I’ve had those same feelings creep into my head. I LOVE talking about personal finance and frugality! Started EBA this past March and before I put my blog out there in June, I was having serious doubts, as there were so many others in the same niche, but I’m over that! I have my own way of telling what I know and have learned. And you’re right! Our fellow bloggers have been a great source of help and inspiration. So far, I haven’t run into any competitive meanness…only a sense of community. Every one is different and there’s room for all. Our avatars are totally different, but I enjoy reading your post as well, because it gives me a different perspective on the subjects we blog about. Keep up the good work!🙂

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