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Lessons From Three Years of Blogging

three years of blogging

I’ve learned lots of lessons from three years of blogging. Some of them I probably knew intuitively, but blogging has provided tons of concrete examples since starting my journey into the personal finance community. Probably the biggest lesson I’ve learned so far is to take action. Wanting, hoping, and planning only get you so far. If you want to achieve success, you have to move forward. Here are some of the biggest lessons learned from three years of blogging.

Consumer Debt is Holding You Back

For years, we fell right in with the 70 percent of Americans who feel debt is a necessity in their lives. As long as we could afford the payment, we could afford the purchase, right?

The problem with consumer debt is how much it limits choices and freedoms. Once your whole paycheck is eaten up by monthly payments, you have no option other than to keep slogging away. Forget trying self employment or taking a month off to travel. You aren’t able to take on anything remotely risky, and heaven forbid you actually lose a job or suffer a pay cut!

Debt also gets in the way of setting ambitions goals. The thoughts of passive income, financial independence, or early retirement seem like pipe dreams with $30,000 of credit card debt standing in the way. Why dream if you plan on having debt payments forever?

Paying off debt is not easy. Having a blog does not erase debt, but having a strong community of debt slayers behind us helped tremendously and allowed us to accelerate our payments to a level we never though possible. If you want to pay off debt, start today. Life is so much better on the other side.

Most “Normal” People Won’t Share Your Ideas

Once we paid off our credit cards and car loans and swore to never take on debt that didn’t earn money for us, our eyes were opened to new possibilities. I made the mistake of thinking everyone else would want to hop on the gravy train with us, but I was wrong.

While most of the people you come into contact with on a daily basis will say they want to be out of debt, work less, or retire with adequate savings, almost none of them are willing to make the changes in their current lifestyle that cause that to happen. We’ve tried giving financial advice to relatives. I’ve tried explaining how to make money online. We’ve talked about other ways to earn and grow money while lowering taxes with people we know and trust. Almost all of them smile, nod, and walk away thinking we are touched in the head.

I am very sure we would not own our four rental properties, contribute nearly as much to retirement, or travel like we do without knowing the people I’ve met from blogging. People in our “real life” don’t think that way, and that’s OK. If you don’t physically know people who support your lofty ambitions, search them out online. I promise they are there and I am richer, literally and figuratively, for knowing them.

Personal Finance is Personal

Although most personal finance people agree that finance is personal, I think many of us are guilty of being judgmental. I know I’ve read a few posts from various bloggers and thought how wrong their ideas or plans were. In reality, people who are brave enough to share their financial goals, triumphs, and failures are usually on the right path, whatever path that is.

Some of us want to earn and save as much money as we can to retire early. Others want to save enough to retire at a traditional age while spending more now. Many aren’t sure but keep trying different things until they find the right direction. None of that is wrong. The wrong thing happens when you don’t pay attention and wake up one day nearing retirement with no plans, no savings, and no idea who will support you during those golden years.

I used to think things would magically work themselves out over time, but now I know it’s all on me. After reading so many blog posts, financial books, and doing hours of study, I now feel very comfortable about our finances and believe we have an excellent chance of having enough money in retirement.

If you have no clue, try running your finances through the free calculator at Personal Capital. Even if your retirement picture is scary, it’s better to find out sooner rather than later.

Have You Been Wanting to Start a Blog?

If you have any sort of desire to become a blogger, do it. I think blogging has the worst hourly payment rate for about six months, but if you can stick with it, you’ll probably make some money.

I am a part time blogger who isn’t very online savvy.

That being said, over the past three years I’ve made about $30,000 from blogging and projects that came as a result of having a blog. I can’t even begin to count the amount of money I’ve made indirectly from articles, advice, and support received online.

You can start a blog today for cheap by buying a domain name. (I got mine through GoDaddy for less than $5) and signing up for hosting. I strongly recommend starting a self hosted blog. If you ever want to make a penny, this is the route to take. Bluehost is very easy and only costs a few dollars a month.

The rest you can figure out by reading tutorials online or consulting with someone to get you started. My blogging partner Grayson at imark Interactive is great if you need some help. If you’re like me, you won’t want to invest a ton of money in the beginning. I blogged for a year with a free WordPress theme and a header purchased from Fiverr!

The point is to get started. If you hate it, all you have to do is stop. I strongly suspect you’ll be more like me and decide that starting a blog was one of the best things you ever did.

Bloggers, what is the best thing you’ve learned from blogging? Non-bloggers, have you considered starting a blog? 

About Kim Parr

Kim Parr is a private practice optometrist, freelance writer, and personal financial blogger. You can follow her journey to 20/20 financial vision at Eyes on the Dollar.


  1. great post! Congratulations on your blog and your future!

  2. I’ve learned many of the same things Kim, though #2 still strikes me on a regular basis. People will say they want to be debt free or investing more but they look at you like you have 3 heads when you say it can be done on X# salary. Which, in my opinion, helps lead to #3 and if they want it bad enough they’ll do what they can to attain it – but they have to want it.

  3. Awesome post, Kim, and I couldn’t agree more. The more we understand what an incredible burden debt is, and the more we work to rid ourselves of it, the more odd people think we are. Blogging has only increased this revelation for us, but it sure is a freeing revelation to have. 🙂

  4. Congrats on 3 years, Kim! It’s fun to see other bloggers stick with blogging who started around the same time as me. I love the statement “personal finance is personal” because I think bloggers forget this all the time. There is no one-size-fits-all when it comes to finances, and everything must be taken in context. Congrats again!

  5. “…almost none of them are willing to make the changes in their current lifestyle that cause that to happen.” This is so true Kim. As someone who enjoys helping others grow through personal challenges, this is very frustrating. But you can’t force people to change…they have to want it for themselves.

  6. Congrats on three years! Blogging has only changed my life for the better and has given me so many opportunities, including the full time gig I just landed. I can’t say enough good things!

  7. I think about money very differently. We have only mortgage debt, but I’m seeing even that as something to work at shedding. My ideas of what is possible for saving money is very different than it was 6 months ago, and I’m far more conscious of my spending decisions and feeling like I let some great opportunities for aggressively saving slip by (like the entire decade of my 30s).

  8. It is extremely true about people in your everyday life that you meet do not want to talk about their debt and actionable ways to budgeting. I have only met people with success online and read about their real-life stories here. It is a great source of motivation and makes it seem completely possible!

  9. One of the hardest things I’ve learned to accept, but not like, is that people are not always willing to make change, even change they claim to desperately want. Many people, whether they admit it or not, are hoping that I have some sort of secret weapon that if they hire me, then I can make everything right without no effort on their part. Of course, you know that it doesn’t work that way. It still makes me sad when I run into those people whether at my job or at The Heavy Purse, but then I also remind myself there are still plenty of people who are willing to do the work, they just need some guidance. Congrats on 3 years of blogging, Kim!

  10. I’m always working on being less judgmental. It’s tough, especially when you’re looking at other people’s choices with limited knowledge of their lives.

    Congrats on your 3 year anniversary!

  11. Three years! Congrats! I do want to start a blog and I think having a blog is something that can boost my writing skills on a regular basis and most employers look for these or prefer someone who has a blog. Nice Kim! More years to come.

  12. I learn something new about blogging everyday and hearing what other bloggers are doing to save and invest their money helps me advise my clients as well. Most of all, I love the community aspect about blogging and after two years of doing it, I consider many bloggers really good friends and I love following along on their life journeys.

  13. Hi Kim, Great post and congrats on 3 years. And thank you for sharing your thoughts on blogging. I keep finding those “Ten Ways to Build a Blog” posts but I’m more appreciative of an honest conversation based on experience. The thing I’m finding I didn’t expect, is that writing is stirring up old dormant creative feelings. Suddenly I’m reminiscing about singing and acting, which I’ve not done in a long time. I thought those urges were gone and now I need to determine what I want to do with them.

  14. Nice Blog
    you are absolutely right about this ”almost none of them are willing to make the changes in their current lifestyle that cause that to happen”
    But earning from blogging is not work less from home and earn more,, My situation is: Work more, earn bit more”.
    Work from home means you work whole day.

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