How To Start A Personal Finance Blog in 2021 [Complete Step By Step Guide]

If you have good knowledge in personal finance, then you must start a Start A Personal Finance Blog in 2021 and share your knowledge. This is one of the most profitable and ever green niches in blogging.

As personal finance is a part of everyone’s life, you can’t imagine the kind of searches people made in different areas of personal finance. After all we all earn money and money management is a very important topic in our life.

So, if you are planning to create a website and share your knowledge in personal finance or money management then I would say this is a very good idea.

To start a personal finance blog in 2021, we will follow the 10 steps process mentioned below.

Find The Suitable Sub-category in personal finance nicheChoose A Blogging PlatformGet A Good Domain NameChoose A Cheap & Reliable HostingInstall WordPress on Your DomainInstall A Fast Loading ThemeInstall Necessary WordPress pluginsMake Necessary SEO SettingsWrite and publish your first postHow To Make Money From A personal Finance Blog

how to start a personal finance blog in 2021how to start a personal finance blog in 2021

1. Find The Suitable Sub-category in personal finance niche

When I say personal finance, you may not understand what exactly will work under this one niche. I am not saying that you start a blog like and start sharing content on every possible category of personal finance.

Yes, you need to breakdown the personal finance category and try to find out where exactly you are best in sharing knowledge & expertise. Let me help you to categorize the personal finance niche further.

InsuranceBankingBudgetingDebt & LoanRetirementFamily/lifestyleFrugality/minimalismFinancial PlanningInvestingMaking moneyReal estateStock Market

These are few of the broad niches within personal finance. In fact if you brainstorm further, you will find many more. Now think about such sub-category level and try to create a blog in personal finance in 2021.

E.g. you can start a blog on Stock Market where you will share trading tips, Mutual Fund investment etc. You can also start a blog sharing banking tips, how to guides etc. I also have started a finance blog where I share most savings scheme, banking tutorials etc. You can check my blog

Note: Remember one thing, whether you share Money Advice or How To Tutorials, this niche need a lot of accuracy. In case you are sharing some wrong information, it may have a negative impact as well. So be careful as your content will directly or indirectly impact people’s hard earned money.

Examples of Personal Finance Blogs in India

When I started my blogging journey, I started as a personal finance blogger only. Although I have moved to WordPress blogging, but I have very good knowledge in personal finance and also have interest. In fact I manage all finances myself only.

Anyway, let me share few of the top personal finance blogs in India so that you can get an idea before starting a finance blog in 2021.

Money ExcelRavirajMyInvestmentIdeasSureshBasu NiveshBasavaraj TonagattiPlan Money TaxChandrakant MishraRelakhsSreekanth ReddyCash OverflowPardeep GoyalFreefincalPattabiramanThe Financial LiteratesHemant BeniwalSafal NiveshakVishal KhandelwalJago InvestorManish Chauhan & Nandita Desai

I know many of them as I am a big follower of their blogs for any kind of finance knowledge I need. Anyway, let’s proceed further and build our website on WordPress.

2.Choose A Blogging Platform

Before you start your first blog, you need to decide on which blogging platform you need to start a personal finance blog. Generally, there are 2 platforms that I always recommend.

Google Blogger.comSelf-Hosted WordPress (Not

You can start with a Free Blog using But there are various disadvantage of a free blog. If you are serious about taking your personal finance blog to next level then you must start a blog on self-hosted WordPress platform.

WordPress is the most popular CMS platforms and there is no doubt about that. You can check the below image from this source.

best cms platforms

And for that, you need to buy a good hosting plan. That I will explain in the below section. So, keep reading this detailed tutorial on how to create a finance blog on WordPress in 2021.

3. Get A Good Domain Name

Your domain name is going to be the face of your blog or your business. So make sure to pick a right domain name. You can buy a domain name from GoDaddy or Namecheap. I prefer to buy from NameCheap as you will get good discount.

But before buying a domain name for your finance blog, make sure to research well with the name. Use the website Lean Domain Search and explore various terms with your favorite term.

Lean Domain search review

Now, you can choose a domain name as per your sub-category of your blog. E.g. if you are going to start a blog on stock trading tips then you can put these terms. Otherwise, you can use “Money” in the domain name.

But make sure not to choose any branded terms. Just research well before buying a domain name. If you want to save money on your domain name, then you can buy any of these hosting companies mentioned below and get a Free domain name for first year. Yes, you can save up to $15 for that.

Special Offer

Bluehost shared a special discounted price $2.95/mo to all our readers up to 66% off with a Free Domain. So use this link to Sign Up for Bluehost Now.

4. Choose A Cheap & Reliable Hosting

You need a good hosting, at the same it should be cheap & reliable. Well, there are hundreds of such hosting companies out there, but all new bloggers I always recommend the best hosting which is under budget with great performance.

Here is my recommended Top 5 Web Hosting For Bloggers as per your need. Make sure you pick the right hosting as per your budget & requirement.



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A2 Hosting

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My recommended hosting is This is the #1 hosting as per website as well from long time.

wordpress hosting

If you search online, you may find mixed reviews about Bluehost. But remember one thing, as a beginner you don’t need a costly hosting with many premium features. Bluehost offers many amazing features at a very cheap price which is best for a beginner.

How To Buy Hosting From [Step By Step Tutorial]

To start a blog with Bluehost, first of all, click here to visit the Bluehost website. They offer a 63% discount on their web hosting plans by default. You will find the price as $3.95/mo everywhere, but with this link you can activate the special price of $2.95/mo.

bluehost wordpress hosting

We will buy Bluehost WordPress hosting plan as this is best suited for WordPress platforms. Well managed with latest PHP, free backup, server side optimization and more. Let me share more about this in next step.

Step 2: Choose The Best Bluehost Plan

Click on the CHOOSE PLAN button and you will find 3 different plans there. Bluehost offers 3 WordPress Shared hosting plans: BASIC, PLUS, CHOICE PLUS. I love the CHOICE PLUS plan as it is having everything I need as a starter. You can host unlimited websites and the price is also not that high compared to the BASIC plan.

bluehost pricing details

Bluehost Basic Plan ($2.95/mo): good for someone who wants to run only a single siteBluehost Plus Plan ($5.45/mo): best and recommended one, where you can host unlimited websitesBluehost Choice Plus plan ($5.45/mo): You can go for the Choice Plus package in case you need Code Guard and domain privacy and are ready to pay a higher renewal fee

If you ask me which Bluehost plan is best, then I would recommend to go with CHOICE PLUS plan as there are no difference with PLUS plan in terms of pricing. And you will also get more features. But as a beginner, you can start with the BASIC plan as this is the cheapest Bluehost Plan to start a blog in 2021.

Step 3: Get Bluehost FREE Domain Offer

Choose a plan as per your needs. And then click on SELECT. You will find a screen like below. Here you have to provide a domain name. In case you have a domain name already, then you have to change the DNS settings of your domain using GoDaddy or NameCheap login.

bluehost free domain offer

Otherwise, if you don’t have a domain then this is the best way to save the first year domain charges. As Bluehost offer a free domain name. Try to do the necessary researches before finalizing the domain name. Anyway, provide the domain name and click on the NEXT button.

Step 4: Provide Personal Information

On the next screen, you have to fill up all necessary information like your name, address, city, email address, mobile number, etc. On the same screen, just scroll down a little bit to find out the Bluehost hosting plan pricing details and the duration for which you want to buy.

bluehost account information

Provide accurate information, as your are going to receive all hosting related details, Name servers, cPanel login etc on that email id only.

Step 5: Choose 36 mo Plan For Bluehost Maximum Discount Promo

To start a blog with Bluehost while getting the maximum discount, make sure that you choose a 36-month plan. I did a mistake of buying for 1 year, and after that now I renewing my Bluehost package by paying the actual charges. You will not get any Bluehost renewal discount to save money after that.

bluehost discount

So, bet way to save money is by choosing for 36-month, so that you can get the lowest price for 3 years. Now, just try to move your cursor out of this page and you will get a popup like below. Bluehost generally offers a special 70% discount occasionally.

bluehost special discounted price

If you get that popup then you can enjoy even further discounted price of $2.65/mo.

Step 6: Remove Extra Bluehost Addons

By default you will find many things will be ticked on that page. You can simply un-tick them all and only focus on the hosting with Free Domain name.

bluehost addons

If you buy Choice PLUS plan, you will get Code Guard Basic as free of cost. That’s why I found Choice Plus plan as the Best Bluehost Plan. But you have to buy for at least 3 years if you want to save huge, otherwise CHOICE PLUS plan renewal charges are quite high. So, be smart and take decisions as per your plan.

Step 7: Choose Bluehost Payment Options

Bluehost offers payment through Credit card & Paypal. That’s why I have mentioned in the beginning to get ready with your credit card. If you don’t have a credit card, then take help from your friends or family.

bluehost payment options

Provide the credit card information and then click on the SUBMIT button to complete the purchase. Make sure to agree with the Terms & Conditions.

bluehost checkout page

Step 8: Create Account on Bluehost

Now that you have purchased a hosting plan with the maximum Bluehost discount, on the next screen, it will ask you to create a password for your Bluehost cPanel. Choose a password that is very tricky to crack for others, but simple to remember for you. Make sure you followed the password rules.

welcome bluehost start blog on bluehost

As soon as you are done with your password, you can log in to your dashboard. You will also get an email with all the necessary details as well.

Create Password Start a Blog with Bluehost

Click on the next screen and it will ask you to login to Bluehost.

Step 9: Login To Bluehost cPanel Account

Click on the login button and provide your id & password. After successful login, you will find a screen like below. Click on the Start Blogging button and continue with the dashboard.

bluehost password successfully created

The Bluehost interface is really awesome. If you are installing the first time also, you will hardly find it difficult. As soon as you log in to your Bluehost cPanel you will find it like below.

5. Install WordPress on Your Domain

After buying your hosting plan, you need to set up your website. And for that I always use WordPress as CMS. WordPress is a very popular CMS or Content Management Software with which even a beginner can create a website from scratch in just few minutes.

Anyway, to install WordPress on Bluehost you need to login to your Bluehost Hosting account. You can type this URL to access your Bluehost cPanel:

bluehost login

After you login to your Bluehost account, you need to navigate to left side My Sites area. You need to click on the Create Site button on the right side.

bluehost install wordpress

As soon as you click on Create Site button, it will show a screen like below where it will ask you to use Bluehost Website Builder or WordPress. Choose the below button and go with WordPress installation process.

bluehost website builder

Next, you have to provide the Site Name and tag line. You can change these details later also, but make sure to provide something unique which will describe your website.

create a new website on Bluehost

Click on Advanced tab, in case you want to change the email address and user id details. Or else, it will create a user with the default Bluehost login details. Click on NEXT button and you will find a screen like below.

choose domain bluehost

From the Domain option, choose the domain on which you want to install WordPress. If you have opted for Bluehost Free Domain offer, then your domain will appear on this list. Or else you have to follow this tutorial to add your domain to hosting account.

Don’t put anything in the directory option. Here just for showing you the example, I took this dummy domain. Make sure to untick the plugins mentioned under “Helpful Free Plugins” area and click NEXT.

installing WordPress on Bluehost

WordPress will start installing and it may take few seconds. After successful installation, you will find a screen like below with various details.

wordpress installed successfully bluehost

Finally, you are done with the WordPress installation and now you can proceed further to set up your personal finance blog in 2021. You will find the Admin URL with which you can login to your website. Wait for sometime, as it will take few minutes before your website is ready with SSL certification installation.

Now, in the previous step whatever hosting plan you have opted for, I have created a detailed tutorial to set up WordPress on that hosting. You can follow the exact step by step guide tutorial and install WordPress on your domain.

How To Buy Hosting From & Install WordPressHow To Buy Hosting From Hostinger & Install WordPressHow To Buy Hosting From Cloudways & Install WordPressHow To Buy Hosting From GreenGeeks & Install WordPress

As we are done with the installation of WordPress on our domain name, we can now see our personal finance blog live. But it will not have any content or the design will not be that great. So, it’s time to change the look of our website and give it a professional look.

6. Install A Fast Loading Theme

There are many free WordPress themes that you can install in your website. Just go to Appearance>> Themes and search for Magazine theme and you will find many free themes.

free wordpress themes

There is no harm to start with a free theme. But I always recommend to invest in a good, fast loading & secure WordPress theme even if you need to pay some money.

Few of my recommended premium WordPress themes are

GeneratePress (Only $59/year)Genesis Framework (Only $59 for Lifetime)Affiliate Booster Theme

If you are wondering which WordPress theme I am using on this blog, then let me tell you that my website is designed with Thrive Theme Builder + ShapeShift Theme + Affiliate Booster Plugin. If you want to create an attractive website like mine then you can use any of the popular theme builders like.

Divi Theme BuilderThrive Theme BuilderElementor Theme Builder

Instead of theme builder, you can also go for a combination like GeneratePress + Thrive Architect or GeneratePress + Elementor (very popular these days) and create a beautiful custom design.

7. Install Necessary WordPress plugins

Next, you need to install some necessary plugins that will help you to set up your personal finance blog completely. You can start with free plugins, but as I always say, if you are serious then you can also spend money to buy some premium tools as well.

Anyway, from your WordPress dashboard, look for Plugins >> Add New.

install wordpress plugins

Here are the list of all essential WordPress Plugins.

Ultimate Blocks: This plugin will help you to create stunning content with the help of Gutenberg editor. This is a free plugin and it will provide you many blocks to add. If you want to spend money then you can but Elementor or Thrive Architect and design professionally looking pages & posts with these page-builders.Rank Math SEO Plugin: Rank Math SEO Plugin is not just an SEO plugin. This is one of my favorite plugin which is helping me to do the on-page SEO and many other things smoothly. This plugin is far better compared to Yoast SEO Plugin & undoubtedly my #1 Best SEO Plugin for WordPress. You can actually use the plugin for multiple way and avoid installing additional plugins.WP Rocket: This is the plugin that helped me to get a fast loading website and very good page speed score in GTMetrix tool. Last year during WP Rocket Black Friday sale, I bought this amazing plugin and trust me my website speed has improved a lot. If you are looking for a free cache plugin, then check W3 Total Cache plugin or WP Super Cache.Thrive Leads:  This is the best plugin to collect emails from your audience. If you are looking for a cheap OptinMonster alternative, then Thrive Leads is the best email list building plugin. Backup Plugin: I always recommend you t use UpdraftPLUS plugin as it’s the best free backup plugin. But as a SiteGround user, you don’t have to worry about that. Although you will get free backup with hosting plans, but I would recommend to take physical backup to make sure an extra layer of security.Social Snap Pro: Social snap is a social sharing plugin, But I like this plugin so much because they help to drive traffic from mediums like – Facebook, Twitter, and many more platforms. This is the plugin I am using on this website as well. Just check the left side social sharing button. Click on the “+” sign and you can find that there 30+ options to share this article on different social platforms. You can use their Free version as well.

The more you use WordPress, you can install more plugins as per the need. But just start with the basic ones right now.

Bluehost shared a special discounted price $2.95/mo to all our readers up to 66% off with a Free Domain. So use this link to Sign Up for Bluehost Now.

8. Make Necessary SEO Settings

Whatever theme you use on your blog, you have to make sure that you opted for the right SEO settings for your website so that Google can find your website, easily crawl all articles. Otherwise even if you write killer content, your articles will not get indexed.

So, follow the below checklist and do all the necessary settings after installing WordPress on your domain. These settings are common for any WordPress theme.

Change Permalink: Permalink is nothing but the URL structure of your website. When you first install WordPress, it will be a very ugly one. make sure to change the permalink as POST NAME as this is highly recommended, SEO friendly and looks clean.

permalink settings

Install SEO Plugin: You need an SEO Plugin so that you can make sure you can handle your website SEO easily. So far I found Yoast SEO or Rank Math, any one you can install in your blog. Though Rank Math is comparatively better as they offer many features as free compared to Yoast SEO Plugin.

rank math WordPress SEO Plugin

Create A Sitemap: A sitemap is nothing but an XML file where your entire website information can be explored easily by any search engine. So make sure to create a sitemap for your WordPress blog using any SEO Plugin like Yoast SEO Plugin or Rank Math SEO Plugin.

rank math sitemap settings

Submit Sitemap: After creating the sitemap, you have to submit the same to different search engines. E.g. you have to create an account in Google search console and then submit the sitemap to that so that Google can easily discover your website. Similar you can do the same with Bing search engine as well.

Create necessary pages

Whenever you create a website, you need to add few essential pages. So, you need to create these pages by visiting your WordPress dashboard and the pages area. Click on Add New page and create the below mentioned pages one by one.

About Us (share your details)Contact Us (so that people can contact you)Privacy PolicyTerms of ConditionsDisclaimers (e.g. affiliate)

You can check out these pages of this website and get some idea. Don’t simply copy paste as they can be different in your niche or category. So, just spend some time to create the content for these pages. This is just a one time activity.

9. Write and publish your first post

So, you are done with the complete settings of WordPress. Now you can start writing your first content on your personal finance blog. To create your first article, you can go to “Add New” under “Posts”:

create new post

Make sure you don’t copy anything from other websites. Try to provide a unique title and start writing the content in your own voice.

Note: sharing tips & advice in personal finance niche needs expertise. So, recommend products or suggestions carefully as people may follow your advice and end up in loss. So, if you are a certified financial planner or have any real-time expertise then provide advice. After all it’s dealing with people’s hard earned money.

Right now the WordPress has Gutenberg editor by default. In the beginning you will find this editor little different. Just spend some time and you will get used to with this amazing editor.

gutenberg editor

With the help of Ultimate Blocks plugin, you will be able to add many blocks to add various beautiful sections & elements. So try this editor slowly and learn the basics of content writing on WordPress.

10. How To Make Money From A Personal Finance Blog

Now as we have started our personal finance blog on WordPress, the next topic is how to earn money from a finance blog. Initially it will not be very easy to make money from any blog. But as you give more time and grow your blog with useful content you can actually make good amount of money in various ways.

Let me share few of the best ways to make money from a personal finance blog.

If you are a certified financial planner or have work experience in finance niche and provide any service, then you can start selling services form your blog. You can check the personal finance website examples mentioned above.If your website starts getting good traffic, you can apply for Google AdSense program and easily make money showing display ads on your website. This is a very popular method of earning money from a blog. And the CPC rate is also quite high in various sub-categories of personal finance like Insurance, Stock market etc.In fact you can make money through affiliate marketing from this niche. If you share articles related to credit card or share market, then you can promote credit cards or suggest trading platforms and earn money on successful subscription. There are plenty of opportunities to explore in affiliate marketing.

So, these are few major ways you can make money from your finance blog. The more you learn, you will find many opportunities to earn money. So keep working hard.

Don’t Miss

Bluehost shared a special discounted price $2.95/mo to all our readers up to 66% off with a Free Domain. So use this link to Sign Up for Bluehost Now.

Conclusion: Should I Start A Personal Finance Blog in 2021?

As I have shared a detailed guide on the benefits of blogging, you will easily understand that blogging has huge potential. Specially for people who are passionate about something and want to share their learning & experiences to the world.

If you just want to start a blog to make money, then it would be difficult. But if you have some passion and solid dedication then you can create a successful blog with time. As blogging need some time and the courage to face failures.

That’s it here, if you have any question regarding starting a blog on WordPress or about personal finance niche, feel free to write a comment below. Thanks for reading & sharing this article.

how to start a personal finance blog in 2021

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