The Perils of Personal Finance Blogging
When I started a personal finance blog, I had no idea what I was getting into. I knew I wanted to help people with personal finance. I liked to write and had a knack for frugality. I wanted to bring a spiritual, biblical perspective to personal finance topics.
I also knew that the personal finance blogosphere was pretty crowded, and that good bloggers comment on other people’s blogs.
What I didn’t realize was just how time-consuming and thought-consuming blogging could be. For a while it felt like I spent hours fussing over each post, proof-reading, trying to find the perfect words, image, and points to convey my message. And reading and commenting on others’ blogs was fun but overwhelming. I could spend all my free time on it and still barely scratch the surface of what was out there.
While I never set out to “build a successful blog,” more people started reading and commenting. As the daily views rose, so too did my concern with growth. Could this month exceed last months’ views? It was a peripheral but persistent thought. Plus lots of other bloggers write about blogging. How was their blog growing? What income was it earning? Should I pursue the freelance writing opportunities blogging can open the door to?
Career is also a natural topic for personal finance bloggers to cover. Here I was, someone who never put career first, and left paid work entirely after the birth of our second child. Even with PF bloggers communicating respect for SAHMs, I felt like a failure. Why hadn’t I taken my career more seriously (I knew the answer)? What was I going to do when my kids are in school? Would I have any decent career options left to me after years out of the work force?
Still years away from the point when we decided I’d go back to work, I found myself worrying about work. It took time and prayer to convince myself that my season at home was not the time to fret about work. I kept praying Galatians 6:14 “that my interest in the world would die, and the world’s interest in me would die.”
I’m not blaming other blogs for my worries. My brain naturally hangs onto what I read, mulls it over, and makes a case for or against adopting a philosophy or advice. This has led to some of my most popular posts, as well as personal angst. Because sometimes I inadvertently hang onto others’ messages even after I decide they’re not for me.
I knew something had to change. So I chose to stop reading posts about blogging. I chose to stop reading posts about side hustling. I chose to stop reading bloggers whom I simply couldn’t relate to, or who came off overly dogmatic. The hordes of childless twenty-somethings attempting lifestyle topics sounds a little passe to a sometimes-cynical mother. As I stopped steeping my mind in personal finance articles, I found myself increasingly at peace with my season in life. And my blog.
At the beginning of the year, I decided to read only my favorite blogs, and then only when I have time. I decided I could repost old posts if I didn’t have time to write. It often feels like this site is one week away from extinction. Will I have a topic? Will anyone care? Part of the struggle was I no longer knew who my audience was. Or rather, I had two different audiences simultaneously in mind: the people I knew IRL, and the people (mostly bloggers) who comment here.
So with the turn of the year I also decided to write primarily what would be helpful to people I know. Most PF bloggers don’t actually need more financial advice.
There are other dangers with personal finance blogs: taking major financial advice from non-professionals, getting obsessed with money or a certain lifestyle, looking at only one side of an issue, or getting caught up in the comparison game. For the most part, those just didn’t happen to be my struggle.
Do you want to know what happened when I stopped spending so much time thinking and writing about personal finance?
My readership stats went down. And I didn’t care.
I got fewer comments. And I didn’t mind.
I enjoyed the blogs I did read more. It no longer felt like an obligation, but a pastime.
I stopped worrying about work and focused more on my kids.
I read books instead of blogs posts. Lots more books than I had been reading. Books about parenting, marriage, ministry, and spiritual growth. Books with full, complete arguments instead of 500-word ones. And even fiction!
I grew more confident in our financial choices, including the fact that we keep our plans and goals flexible in order to follow God’s plans.
I’ll never have the most successful or profitable blog—and that’s fine with me. I didn’t set out for that, I got a little lost along the way, and I’m glad I found my way back to my purpose.
What topics would be most helpful to ya’ll readers? What do you tend to be more interested in—“how” posts or “why” posts?