• Skip to primary navigation
  • Skip to main content
Money Not Spent

Money Not Spent

Is Money You Keep

  • Home
  • Save Money
    • Earn Online
    • Paid Surveys
  • Make Money
  • Grow Your Money
  • About
    • Contact Us
  • Show Search
Hide Search
You are here: Home / Archives for Josh

Josh

9 Ways to Make Money Selling Photos Online

Josh · August 27, 2020 ·

In these crazy times, many of us are looking for ways to make additional income.

launching a side hustle or online job takes time. Though we might have more of that, it’s still hard to know where to start. Selling photos online is an easy way to get extra cash.

This article will give you the rundown on how to:

  1. Sell your photos online
  2. What websites to sell your photos too
  3. How to make the most money selling your photos

I will never forget the first time my cell phone came equipped with its very own camera. In 2005, a cell phone with a camera was all the new rage, and if I was lucky with service, I could even send a photo message for $1.00.

Ten years later, I had over 2,000 photos on my iPhone. With the likes of cloud storage, smartphones, and cell phone cameras stronger than some of the original computers that sent a man to the moon – it is estimated that there are some 14+ trillion photos taken every year, and that might even be a conservative estimate.

In 2015, some people took 1.8 billion digital photos daily. While it might seem like you see photos everywhere, with the likes of social media and advertising, selling photos online is a great way to make money.

High-quality photos are in demand, and if you know how to take some solid pictures, you can easily make some serious money selling your photos online, here is how:

How To Start Selling Photos Online 101:

The first step in selling photos online that you will need to take is deciding whether you plan on selling your photos to other websites or on your website. If you’re confused, don’t worry – you can start by exploring both options.

However, before you ever think about selling photos online, you might want to first consider the quality of your photos, your photo editing skills, and the overall uniqueness/desire for your photos.

To start selling photos online, make sure you first invest in:

  1. A decent camera with multiple lenses
  2. The right photo editing software
  3. Yourself, i.e., reading up and researching photography courses, videos, and articles
  4. Know why you need to sell (Save money, get rid of your job, etc.)

Once you think you know enough about photography (or perhaps you’re an experienced photographer already), you can start selling your photos online.

Most contributors typically start with one of the websites below!

9 Sites Where You Can Sell Your Photos Online

Here is a quick list of 9 places where you can sell your photos online, followed by a quick review of each:

  1. SmugMug Pro
  2. Shutterstock
  3. Etsy
  4. iStockphoto
  5. Adobe
  6. Alamy Stock
  7. 500px Prime
  8. PhotoShelter
  9. Bonus: Fotomoto

SmugMug Pro

SmugMug Pro is one of the best options you can leverage when it comes to selling your photos online. For one, they let you pick the price of your photos. Secondly, you get to keep 85% of the profit!

How it works is pretty straight forward. SmugMug charges .79 per photo, you then add your price to it. Let’s say you want to charge $5.00 for a picture of a cow you took. You would seel the photo for $5.79, and you would keep 85% of the $5 markup, or $4.25!

SmugMug is an excellent option. They let you keep much of the profit. However, they do charge a monthly “Contributor Subscription Fee” of $12.50. That isn’t a lot – just sell three photos a month, and you’ve covered your investments!

Photo contributors can make 85%!

Shutterstock

If you have never heard of Shutterstock, chances are you have had your head in the sand for some time.

Shutterstock is one of the largest online photo dealers out there, with over 200 million images and payouts exceeding half a billion dollars! Shutterstock lets photo sellers determine copyright rules and determine photo privileges.

They pay out each month. After you download a photo, your account is rewarded a percentage of the sale. However, because of their success, they don’t pay out as much as someone like Alamy.

Photo contributors can make 20-30%.

Etsy Photo

Before writing this article, I had no clue Etsy let photographers sell their photos on their platform. But it makes sense if you think about it – you can find everything from wood sunglasses and watches to soap.

That being said, it’s also not the ideal platform for selling your photos due to my first statement – most people don’t think of Etsy as a top online platform for photography sales. However, they do support Etsy business owners with their photo selling guide.

The positive with selling photos on Etsy is you set your price and keep 96.5% of the profit (they keep 3.5% of all sales).

Photo contributors can make 96.5% of their sales.

iStockphoto

iStockphoto, powered by Getty Images, is one of the oldest platforms for photographers to sell their work, and they have a solid reputation.

With that said, if you’re new to the online photo selling business, iStockphoto has some stringent conditions when it comes to using their website due to the fact they already have 200,000 contributors. You can start by applying as a contributor and work your way up to the “Exclusive” club to earn the most.

Photo contributors can make 15% up to 45%.

Adobe

Adobe – the PDF company – also happens to be the creators of the photo editing software PhotoShop. They are the O.G.’s of selling photos online, and they have long been a prime destination for those looking to sell their photos online.

The royalty programs Adobe offers make them a preferred destination for those looking to make money selling photos.

Photo contributors can earn 20-60%.

Alamy Stock

If you want to keep most of your money, selling your photos on Alamy Stock is an excellent option as they let you keep 50% of your sales. While Alamy is not as big as some of the other platforms we have already discussed, like Adobe, they’re still a reliable option for selling photos online!

Photo contributors can make 50% of photos sold.

500px Prime

500px Prime is regarded as one of the better platforms/places to sell your photos online because they are free, offer you support when creating a portfolio, and they also promote a discovery algorithm for visitors.

You are thus creating more exposure for your photos! More exposure means more sales.

Note, there are rumors that in 2017 500px sold some user photos to Fotolia. This is most likely no longer an issue in 2020, but just be mindful when considering the best platform to sell on.

PhotoShelter

PhotoShelter is an online website that uses cloud storage for sellers to choose the best package for their needs. Offering 100s of features such as professional image watermark security to help their sellers, PhotoShelter offers plans range from $10 to $49 per month.

Photo contributors can make money selling with their platform. However, their pricing structure varies.

Bonus: Check Out Fotomoto

Fotomoto is not necessarily a website to sell photos, but instead a widget/browser plugin. How Fotomoto explains it,

“Fotomoto is a print-on-demand eCommerce widget that integrates seamlessly into your existing website. Just add our code to your site, sit back, and start making money.”

In other words, Fotomoto helps you sell your photos from your website with ease, and they will even package and ship photos for you. They offer three plans, Free, Pro, and Pro Plus, each taking a percentage of the sale ranging from 22% to 10%.

Photo contributors can make 78-90% depending on their Fotomoto package.

Sell Your Photos on Your Website

The number one reason why it’s enticing to sell your photos on your website?

You keep all the profits. While selling on your website is not quite as simple as selling photos to all the big stock photo websites mentioned above, selling photos online with your WordPress website can be done.

Things you can control:

  • Your prices and what you sell them for
  • How to structure contracts – annual contracts and your terms
  • You can customize your work and how it’s displayed

While creating your website and managing it can be a job in itself, if taking photos and editing them are something you enjoy, you might find operating your website just as joyful.

Starting your website for the first time has a bit of a learning curve, but there is plenty of help with the likes of Youtube videos and is very similar to starting a blog, just know what pitfalls to avoid.

When you set up your website to sell your photos, consider these pointers:

  1. Create a name that fits your photos niche
  2. Select a free them that includes online shopping options such as Woocommerce
  3. Design your website and add some content
  4. Write an about you page
  5. Start publishing your photos using a gallery plugin like Modula
  6. Market your website to gain visitors
  7. Promote page on the likes of Instagram & Pinterest to gain more visitors
  8. Land recurring clients by offering monthly photo subscriptions or package deals

Tips making the most money selling photos online:

Just like any industry, there are actionable tips to make more money selling anything – including selling photos online.

1. Sell photos people want to buy!

People want to buy photos for their social media accounts, businesses, and blogs. With that said, your picture of your dinner might not sell like a picture of someone traveling.

Just always ask yourself what the “Buyer” wants and what is in high demand if you’re going to sell tons of photos and make money in the process!

Here are the most common types of photos bein bought online:

  • Nature – nature sells! Trees, plants, flowers, animals you name it!
  • People – people collaborating, living life, smiling, walking, working out!
  • Working at Computers – photos of people working at computers
  • Money – personal finance companies always need photos of money
  • Cities – city skylines, buildings, skyscrapers, you name it!
  • Food – food sells! Food bloggers always need online photos of food
  • Travel – travel bloggers are continually looking for stock images from around the world
  • Industry – think of machines, buildings, industry-specific photos
  • Technology – pictures of computers, tools, gadgets, cell-phones, iPads are in high demand

2. Put yourself in the buyer’s shoes

As we mentioned earlier, it’s best to put yourself in the prospective buyer shoes.

For example, there are not a lot of photos for real estate agents and people who own small construction businesses to buy online. So perhaps, reach out to people who own businesses and ask what kind of photos they need:

Consider reaching out to:

  • Real estate agents
  • Small business owners like painters or plumbers
  • Bloggers in different niches
  • Anyone who owns an online company

3. Make it easy to get paid

Getting paid to sell your photos online is not a complicated process, but the easier you make it on buyers and websites you sell to, the more you can make (and faster).

Be sure that if you have a website OR you sell to some of the top sites that buy photos, you have the following payment options setup:

  • Set up a Paypal account
  • Stripe or Square – for reoccurring billing on your website
  • Apple Pay
  • Woo-commerce photography plugin

4. Make your online portfolio sexy

The best tip we can offer when it comes to selling your photos online in addition to having a very professional feel behind your photos or website is to make your portfolio sexy.

The better your layout and photo portfolio looks, the higher chances you will sell online photos. Knowing where to sell is half the battle. The other half is getting enough eyes on your photos to sell them – and that starts with appearances.

One way to help you do this is to offer free stock photos to attract prospective buyers to your photos. You can also promote on social media, especially Instagram. Just make sure your social media accounts are equally as good looking and have a theme to them!

Research the right hash-tags to help you gain more traction!

Final Thoughts

Like anything you put your mind to, selling photos online can be lucrative.

Combined with a passion for photography, taking pride in your work, and photo editing, you might be able to turn a part-time job like freelance photography into a full-time gig! Statistics vary for how much someone might make selling photos online, but it depends on your goal.

Will you shoot and sell photos to pay off your student loans, or are you doing it so you can escape the rat race?

Either way, no matter what you decide to do when it comes to starting your online photo selling side hustle, just be sure to have fun, do your research, and take high-quality photos!

This article originally appeared on Your Money Geek and has been republished with permission.

How to Start a Blog That Makes $1,000 Per Month (In 7 Steps)

Josh · August 5, 2020 ·

Blogging is absolutely blowing up. 

With the Coronavirus Pandemic of 2020, more adults are recognizing that sitting behind a desk 40 hours a week, 50 weeks a year with their results controlled by someone else isn’t so fun anymore. 

While the pandemic has been detrimental for many, the silver lining is right now, you’re currently looking into how to start a blog that can help you make money. Whether you have the:

  • Extra time on your hands
  • Want to write about passions or causes
  • Or, because you simply want more streams of income,

Blogging is a great opportunity for anyone who possesses a little sticktoitiveness and a simple understanding of a keyboard. 

In the wake of the shutdown, adults of all ages are waking up to the fact that relying on one source of income is risky, and creating income through blogging is a fantastic way to flexible and even passive income.

Not to mention, blogging can be fun. For example, today we will be creating a fake blog (for this article) on stand up paddle boarding.

In the coming article, I will share with you 7 very practical and mostly simple steps to creating a blog that can help you eventually earn $1,000 or more per month in under 45 minutes (this includes setup).

My take on blogging: Just so you know, I started my first blog in 2017. The domain name was awful and I ultimately re-branded to Money Life Wax. Full-time, I am a teacher and the biggest tip I share with prospective bloggers is that you need to have a long term view when it comes to blogging. There are countless ways to make $1,000 with a side hustle, but blogging is a long-run game! That being said, when it gets going, it can be a well-oiled, money-making machine for you! However, at the end of this article I will share very practical steps to making blogging work for you! 

Step 1: What’s your blogging idea?

The first step in starting your blog is knowing what the heck you’re going to write/talk about!

This screenshot below is just my invoicing account over the last 90 days of the money I have received leveraging my blog:

how to start a blog to make money
A snapshot of my PayPal Account I use for blogging.

However, we don’t want to get ahead of ourselves.

Before you can start making an extra $100, $500, or $1,000 plus blogging – you first need to figure out what the heck you’re going to write about! Here is how to do just that:

What do you enjoy?

Asking yourself this question can be the best way to start figuring out what exactly it is you want to blog about!

I am not going to pretend that blogging is always puppy cuddles and rainbows, there are elements of blogging that can be tedious and boring.

However, I have found that if you truly are PASSIONATE about your topic or enjoy something in life, writing about it can be easier! With that being said, here is how you can identify a topic to blog about:

  1. Write down hobbies or things you enjoy
  2. Write down a list of 5 passions you have
  3. Don’t be worried about it being “Too Specific”- Niche blogging is actually your best option to growing a profitable blog.

You can always add more to your ideas later on, but a big mistake most new bloggers make is trying to blog about everything! The more specific the better.

Once you have a solid idea, just do a little search on Google to see what else is out there. For the sake of this article, I will use a specific niche blogging topic: Stand Up Paddle Boarding.

(I use a Chrome plugin called “Keywords Everywhere” that tells me how often people search for this keyword. It is a quick SEO Keyword tool we will explore later)

As you can see, Stand Up Paddle Boarding get’s quite a few search hits every month and the competition is really low. This means there is interest in the topic, but not a lot of people are writing about it.

On the contrary, if you were to write about investing – the competition is going to be way higher! That doesn’t mean you can’t create a successful investing blog, it just means there is no truly original idea.

Niche Blogging is the best! Early on, instead of focusing on just student loans, I tried to blog about budgeting, attitude, habits, making money, student loans, investing – you name it. This approach, or what I call “Spraying Content,” is way harder and can hold you back from growing your blog. I would recommend bookmarking this article Blogging Pitfalls to Avoid! Check it out after you get done reading this article!

Step 2: Pick a blog domain name & get hosting.

Here is how you pick a blog name/domain:

Take out a piece of paper, write down your blog niche/topic on the top.

Brain dump names you like for your blog idea, and keep them at 2-3 words may. For example, since we are talking about SUP Boarding, ideas might include:

  • SUP Board Guy
  • Your SUP Board
  • The SUP Board BLOG (TSBB)
  • Paddle Board Adventures
  • Lakeside SUP Board

You get the point, short, sweet and memorable!

Once you have your domain name idea, type it in a search bar, just to make sure it’s not taken! Chances are it won’t be, but it could be, so play it safe and have a backup.

Once you have a domain, now you can land hosting for your blog and download WordPress!

Get Hosting:

I have started my blog and helped friends start their own websites over 10 times. Every time I start with the one-stop-shop called Bluehost.

In blogging you have your host and your platform. Just about every serious blogger uses WordPress as their platform, and hosting can vary.

For starters, Bluehost is your best bet because you’re able to:

  • Get hosting for 36 months
  • Get your domain name (included)
  • Download WordPress (included)
  • SSL (https) secure
  1. Select the basic plan for $2.95 a month (you don’t the fancy professional plans)
bluehost blog

2. Choose your domain name (you should have already thought this one out – short, catchy, and niche specific)

choose a domain name

3. Fill out the basic contact info then read this:

Save 65% Now: I want to help you save up to 65% with your new blog. When you use my link here once you enter your contact info, pretend to move your cursor to the “X” in the top right of your screen. You should get a pop-up to on hosting and get your blog for just $95. You don’t need the other extras!

I always recommend buying the 36-month package (it is the cheapest) and the only add-on worth considering is maybe the domain protection, but I don’t see the need for it any more personally.

creating a blog with bluehost

Now you have your blog! Before we start designing and crafting killer blog posts, you will want to complete one more step:

Activate Your SSL:

  1. Just go to your Bluehost login.
  2. Click my sites.
  3. Click manage site.
  4. Click security.
  5. Toggle on free SSL certificate.
adding ssl with bluehost blog

I get a small percent of the commission when you use my link to start your blog with Bluehost. This is at no cost to you and I just helped you save up to 65% if you followed the tips above :).

Step 3: Start setting up your WordPress blog.

First, don’t let the WordPress dashboard intimate you, it’s not that bad. Everything you need is on the left and you will slowly familiarize yourself with everything WP offers.

That being said, I would get my free checklist here that literally walks you through step by step how to set up your blog:

Want A FREE Blog Checklist?

Get it & Practical Blogging Tips here:

    We won’t send you spam. Unsubscribe at any time.
    Powered By ConvertKit

    Here is a quick run down of your left menu options, I highlighted the most important ones that everyone has:

    wordpress dashboard

    Each is self explanatory for the most part.

    Posts are where you manage your blog posts, pages are where you create website pages, and appearance is where we will spend some time setting up your blog.

    Plugins, are basically tools you can add to your blog. To give you an example, later we talk about the Yoast Plugin which is used for SEO purposes!

    Setting Up/Designing Your Blog:

    If you’re like me, chances are you have never designed a website.

    Don’t freak out, it is not that difficult. Typically, you will learn over time and through some trial and error. I also promote something I heard one time called “TFO”- try and find out.

    That being said, first you will want to start with the appearance tab and go from there:

    Add a theme:

    >> To start, click Appearance, Themes.

    Here you can search for WordPress themes, premium themes or use the free ones provided (there are feature/search options to help you find a suitable theme).

    blog theme

    I would recommend using a free theme provided by WordPress/Bluehost or you can get a paid theme from Studiopress (They created the Genesis Framework which I use for all my websites).

    For now, I would say go with free and in a few months switch to a paid theme once you have a better idea of what you want.

    Add Some Pages:

    Once you have your theme selected, you will want to add some pages:

    Pages – this is where you create website pages, for example, the About, Home, Contact Me, and Recommended pages on MLW are all pages I created.

    >> Just simply click “Add New” and you will create a page. Pages I would recommend starting with:

    • Create a custom Home Page which is simple using widgets, Elementor (paid), or the free theme content (recommended)
    • Create a very transparent “About Me” page.
    • Create a “Contact Me” page using the form feature with in the create a page. Just don’t include your email address.
    • Create a Privacy/Disclosure page. Just go ahead and create something generic and get it over with. Heck, you can copy mine if you want, I don’t care – just take out the Money Life Wax stuff.
    • Most themes will come with a Blog page, a Contact page, and a Privacy page you can simply customize

    Create Your Blog’s Menu:

    Setting up your blog’s menu can sometimes seem tricky, but it isn’t that bad. For your blog’s primary menu you will want to have something simple, here is the Money Life Wax menu:

    Under each is a drop down option, that when you edit your menu, you simply drag and drop. Example, as you can see below, Money, drops down into Make More Money, Pay Off Debt, Saving Money.

    To access your menu, simply go to >> Apperance, Menus:

    how to blog setting up menus

    I use my blog categories to help break up my blog, this is something you can do as you add more and more content. The only thing you might want to know about is the “Custom Link” feature.

    This allows you to name a page, section, or menu item whatever you want!

    Adjust Your Settings

    General Settings:

    This is where you can set your site title (blog name) also with a tagline.

    For example, SUP Board Guy | Adventures & SUP Board Advice:

    general blog settings

    On Google, it will look like this:

    Next, be sure to make sure your email is correct and adjust your time zone to wherever you live since the default is Utah.

    general blog settings

    Reading Settings:

    Typically, you want to have a “Static Home Page” where you showcase your best posts or categories for readers.

    However, you can also have your latest posts as an option as well since your blog is so new, then change later. The only other feature I like to change is to include a summary for each post, NOT the full text.

    reading blog settings

    Permalinks:

    Double-check and make sure your permalinks (the “Slug”) are set to post name. However, later in the crafting blog posts section, I will teach you how to edit these for SEO purposes.

    permalink blog settings

    Widgets:

    This is what makes WordPress amazing in my opinion = Widgets.

    Plugins and Widgets are why all pro bloggers use WordPress and over time you will want to familiarize yourself with widgets.

    For now, simply know you can customize your side bar here,

    >> Appearance, Widgets:

    You don’t need to spend a lot of time here YET, but it is where you can do some serious customization.

    For More Design Info:

    For more technical advice and design advice, use this article I wrote here that goes in-depth on plugins, design, and tools you will want to consider.

    Design Mistakes to Avoid:

    I am a bit of a perfectionist.

    Truthfully, I spent more time making sure my blog “Looked Good” than I did making awesome content.

    Don’t do this.

    From my early days of blogging, I can tell you – your blog can look amazing and have no readers if you don’t have quality content.

    And with no prior web design experience, if I could go back in time, I would simply pick a free WordPress theme or a Studiopress theme, make it functional and focus on creating great content!

    Designing websites is something that evolves with you. Once again, it’s not preaching, but don’t overwhelm yourself with menial tasks like web design.

    Step 4: Braindump a list of content ideas

    To help you come up with content, this is going to be hard to accept, but in the world of blogging – you have to write to the reader, not to yourself.

    I struggled with this and still do, but I have realized that what I think might be amazing isn’t necessarily what my readers want. To help, I always tell new bloggers to gear their content around their “Avatar” or ideal reader.

    Identify your Avatar:

    Simply take out a piece of paper and start jotting down the demographics of your ideal reader. Include things like:

    • Sex
    • Age range
    • Interests
    • Income level
    • Education level
    • Potential views

    In the case of stand up paddle boarding, we would want to identify the ideal reader of a paddle board blog. You can go deeper into this and look into things like characteristics of paddle boarders, where paddle boarders typically live, etc.

    Once you have a solid avatar, now you can start brain storming content!

    How to create content ideas:

    Simply answering the, “Who, What, Where, When, and How” questions is enough to keep you busy with generating content ideas for your blog!

    For example, if you’re blogging about paddleboarding, you could write about:

    • How to paddleboard for beginners
    • Where to paddleboard in your area
    • Who is paddle boarding for
    • When is the best time to paddleboard?
    • Best SUP Boards for 2020
    • SUP Board Water to Avoid
    • What is Stand Up Paddle Boarding

    That list took about 10 seconds to generate and I could have gone on forever. Simply use a Google Sheet like this (free download here) to help you brain dump tons of content ideas!

    You can always go back and add search volume and other info!

    Also, look for ways to also show you’re creative side by writing “Original Content.”

    Where blogging differs from traditional media norms is the conversational tone and individual perspective that mainstream media companies simply can’t offer.

    Do your best to create content that is unique. For example, in addition to writing about the best SUP Boards, if I was blogging about Paddle-boarding I could share my experiences or create a funny article like, “The Funniest Paddle Boarding Falls I Have Personally Experienced.”

    This human element mixed in with how-to posts will help you connect with readers!

    You can also do keyword research to help you find keywords to write about!

    Do Some Keyword Research

    Let me first start by saying that it took me about 1.5 years to even start to understand keywords.

    While I don’t think it will take you that long, it isn’t something you should overwhelm yourself with either. As you progress as a blogger I would recommend researching search engine optimization and keywords.

    To help you, here are just a few quick tips to figuring out some keywords:

    1.) Use What Google Gives You:

    Use Google to your advantage.

    For example, type in a common term like “Stand up paddleboarding” and then use the “People also ask” and “Searches Related”:

    Write there, you now have 12+ keywords to explore/use.

    2.) Look at other “Slugs”

    This isn’t the easiest way and in some blogging spheres its a bit frowned upon, but looking at other articles slugs can sometimes give a good indication of a keyword.

    A slug is a series of words after your website name that identifies your article. For example, this blog post’s slug is how-to-start-a-blog. My keyword? You guessed it – how to start a blog.

    Sticking with SUP boards, here is an example of a blog post slug:

    While this isn’t the best way to do keyword research, it is a quick way to generate a few post ideas.

    Pro Tip: Keep your slugs short and sweet, these are edited with Yoast and should not be your entire title, but instead you want to tell Google what your post is about!

    3.) Use Keywords Everywhere Plugin

    The quick, cheap and easy way to do keyword research is to install the Keywords Everywhere plugin.

    The plugin is free to install and after free uses, you have to buy “credits” to do research. However, for $15 I bought 100,000 credits. In one year I have used just 5,500 of those credits.

    I simply toggle the plugin on and off when I want to use it. Simply search for a term and then use the options on the right to collect keywords:

    4.) Learn how to do real research with Moz or Ahrefs

    Eventually, you will want to use Moz or Ahrefs to do advanced keyword research. I have personally used both but I will just say this – wait!

    Focus on writing high quality blog posts, which we cover next. Don’t overwhelm yourself is something I say often to new bloggers. Trying to do EVERYTHING at a high level isn’t possible.

    Come back to this article and bookmark this SEO Research Course here that helped me learn everything about SEO!

    However, if you want to look into it now, checkout:

    1. Moz.com
    2. Ahrefs.com

    These are the best paid tools for SEO and keyword research, though at this point, I would recommend simply holding off for now and coming back to this in a few months!

    Writing (Step 5) is our next topic!

    Step 5: How to Craft 5-10 Quality Blog Posts

    Prior to publishing your blog/going live, I would recommend prewriting 5-10 blog posts that way you start out ahead of your content, instead of behind it (like I did).

    This will help you start off your blog launch on the right foot, instead of feeling like you need to “Keep up with content.” While this is not a rule, I would recommend at least having 5 articles on your website drafted up.

    Here is how to write blog posts for QUALITY:

    To start writing, you can access the “New Post” button from three places on WordPress, typically, I go with the left sidebar option, Add New.

    add new blog post

    Next, you will want to create what I call a “Working Title,” with some of your keywords if possible. You can always change your title later, especially if its a list and you are not sure if it will be 7, 8, 9, etc.

    Once you have your title, I go ahead and fill out the Yoast Plugin SEO data. This is a free plugin and it’s all you need for SEO.

    Simply tap the “Y” and enter your focus keyword, in this case, “best SUP board”.

    yoast seo

    Next, you will want to tap the pencil above next to “Google Preview” to adjust your “Slug” to include your keyword and add a “Meta Description” with your keyword (This is the snippet below a link you see on Google):

    meta seo for blog post

    When you’re done, simply hit close and you are all set when it comes to SEO, aside from writing of course!

    Identify Blogging Headings (H2 and H3)

    Above this sentence is an example of a H3 heading. Step 5: How to Craft Quality Blog Posts, is an example of an H2 heading.

    It is important to know that when writing blog posts, your headings do matter, becaue they do the following:

    • Headings break up the text for readers
    • Headings tell readers the focus of that section
    • H1 is your title, and shouldn’t be used in text
    • H2’s are your subheadings, and with in a H2 you can have H3s
    • On average you want to have 150-250 words between headings, right around 200 being ideal

    The first thing I do is lay out all my headings (you can always change them) to help guide and structure my writing.

    I will sometimes read similar blog posts to get a feel for headings and I do my best to include my keyword in a few headings:

    As you can see, the above layout has six H2 headings, and seven areas to add text.

    Now that you got your blog post ready for SEO and your working headings identified, now you can write.

    Writing in Blog Style

    When you write a blog post, it is conversational and way less formal. Blog posts typically:

    1. Use conversational tone
    2. Should be at least 1,000 words
    3. Don’t require you to indent (thank you high school for nothing)
    4. Don’t require 3-5 sentences per paragraph
    5. In fact, you want your paragraphs to be 1-2 sentences to help readers

    Here is what I mean:

    The above text block (paragraph) is 101 words, includes my keyword focus and introduces the point of the article.

    When possible, add bullets or numeric lists to help break up text and to highlight steps you want to take!

    Quality Writing is Key

    It took me about a year to figure out everything I just shared above when it comes to writing blog posts.

    I was told to write “often” and post frequently which turned out to be a mistake since I wrote about anything I wanted for the longest time.

    However, when it comes to a quality blog that makes you money, that starts with quality content. Think of writing blog posts that:

    1. Answer questions or problems for readers
    2. Is transparent and authoritative
    3. Relatable when applicable

    This doesn’t mean you have to write like John Grisham or Maya Angelou, but just make sure you stay focused on your niche – like paddle boards.

    Developing a strong SUP board readership would be hard if my articles also talked about hiking, running, and cycling.

    While this might not be a bad idea in the long run once your blog grows, staying focused and having quality content is key!

    Before you hit publish!

    Before you hit publish on a blog post, here are some quick tips to know:

    Schedule your post: When you hit publish, you have the option to choose a date and time to “Schedule your post.”

    When you have created your 5-10 posts, schedule them 2-3x per week. I do Tue-Wed-Thr. But I originally just did Tue/Thr.

    Select Categories & Cover Photo: After you got your post date, make sure you also choose the appropriate categories (2-3 usually) and set a featured image.

    Don’t inundate yourself looking for cover photos or making them, simply:

    1. Look up free stock images online
    2. Create a CANVA account and design images using their templates

    *Remember, design doesn’t matter if you have no eyeballs to look at it*

    Also, forget about tags. Some bloggers will say use them, but the more I read, they’re really irrelevant at this point in the how to blog game!

    One last tip.

    When adding photos, be sure to always include your keyword in the “Alt Text” box. This tells Google what the image is.

    Step 6: Monetize your blog with these strategies:

    When I started blogging I kept hearing this term called “Monetizing” and while I knew it had something to do with money, truth be told I did not know what it meant.

    Monetizing your blog simply means making money with your blog, or using it to earn revenue.

    The most common forms of monetizing a blog include:

    1. Affiliate marketing
    2. Ads
    3. Sponsored posts & sponsorship
    4. Email marketing
    5. Selling digital products
    6. Coaching others

    Personally, I have made money using all of the above except for #5.

    My least favorite is ads and if you notice I don’t have ads on Money Life Wax because, in my opinion, the user experience goes way down with ads and to really make money with ads you want about 50,000 page views.

    However, what I do love is sponsored posts that I align with my readers and affiliate marketing.

    Here is an example if we are stilling with our Stand Up Paddle Board theme:

    Let’s say a SUP Board company reaches out and asks you to write a review on their board. Once your blog has some traction and a decent email list, you could charge this company $200 all the way up to $1,000 for this one post.

    ^^ This would be an example of a sponsorship/sponsored post. An example of affiliate marketing would be if you wrote an article like this:

    “The 10 Best Paddle Boards for This Summer.“

    If you are an affiliate for Amazon let’s say, and you linked to each board and someone purchased a SUP Board, you would get an affilate commision!

    For starters, focus on writing high quality content and growing your email list and monetizing will get easier down the road. Or you an do this:

    Quick Idea to Make Money Blogging:

    What has separated me from other bloggers when it comes to making money blogging is a very important term called LEVERAGE.

    As you begin to progress as a blogger you quickly realize that blogging is something that will take some time to create a steady income, but it is really just a form of marketing.

    Graphics, SEO, Content, Social Media, Email – you name it – is all encompassed in what is called digital marketing. Knowing this, early on I quickly realized that though my blog would be the long term plan, I could also make some money using my blogging skills.

    I started offering my digital marketing services to small business owners I knew and within five months of blogging, I was making $1,000 a month with marketing.

    This allowed me to enhance my skills and reinvest in my blog (treat it like a business). “Blogging” for others is something to consider in the early stages to help you make some money as you grow your readership!

    Step 7: Stay Steady Blogging

    You hear it all the time, “Life isn’t a sprint, it’s a marathon.”

    That cliche, somewhat redundant saying may be played out, but when it comes to blogging, it couldn’t be more true.

    When you start your blog, there is no doubt some easier and quicker ways to make money that may not require as much effort such as a part-time job or driving for Uber.

    If you need money now, those ^^^^ may be your best bet.

    However, if you understand that blogging is similar to training for a marathon, what you will realize is that it takes time to get the ball rolling… but once it get’s rolling your blog will grow.

    I used to hate running. I started running a few miles here and there before I signed up for a half marathon.

    I knew if that if I signed up for a race and followed a training plan, I would be able to complete my first half marathon. Sure enough 100 days later I finished my first half marathon in the top 20% and at 8:32 a mile.

    Had you asked me about running 13.1 miles before that I would have laughed! But a few months later with a simple approach to training I did it!

    I just made a point to always run 25 miles a week, which took about a total of five hours per week.

    Blogging is the same way.

    You won’t get it all today, tomorrow or next week. But getting hosting and a domain name will make you commit to yourself.

    You will always have something “to do” for your blog and you can easily lose track of time simply trying to edit one thing on your website.

    Learning how to blog is really done through trial and error, combined with a little reading. Consistently finding five hours a week to dedicate to your blog will do the following:

    1. Set you up for blog growth
    2. Avoid blogger burnout
    3. Create 2 high quality posts per week

    That is all you need! Two high quality posts per week and in three months you have 24-30 posts! From there you will have gained enough experience to know where to improve, where to target growth areas and so on!

    Stay steady, stay consistent, have a long term approach, you never know when someone might come and offer you $50,000 or more for your blog (Yes, this happens).

    Final Blogging Tip

    I am extremely happy with my decision to start a blog less than three years ago!

    Since that summer day, I have no written well over 300 articles and because of blogging, I have been able to create extra income for my wife and I that ranges between $1200 to $2400 per month.

    That being said, my final two tips would be these:

    1. Stay patient
    2. Stay informed

    I have alluded to it several times now, but blogging is a long term game that tends to go against our short term desires. Don’t look at blogging as a short term fix for your financial needs, but as a long term solution that will give you back some control.

    In addition to emphasizing patience, if I could do something again, I would join blogging groups way earlier simply for the support, encouragment, and for the sake of not learning the hard way.

    Since joining an insider blogging group I have seen my blog blow up and I have also been able to attract stronger partnerships. So as we part here are some final words:

    1. How to start a blog is not something that is too complicated to learn, but it’s not easy either
    2. Start with Bluehost to get your domain name, secure website, hosting, and WordPress all for under $100 when you use this link (Yes I get compensated for this but not at your expense! I will also help you if you need anything – simply email me here)
    3. Bookmark these articles for future help:
      • 6 Rules New Bloggers Should Know
      • Blogging Pitfalls to Avoid
      • 5 Blogging Mistakes to Avoid
    4. Courses to consider:
      • Stupid Simple SEO
      • Bloggers Secrets

    Here is to scaling and making money with your new blog! Get after it!

    ~Josh

    how to start a blog

    This post originally appeared on Money Life Wax and has been posted with permission.

    Savings By Age: How Much is Enough?

    Josh · April 18, 2020 ·

    If the Coronavirus Pandemic of 2020 has made anything apparent, it is the sheer fact that Americans simply don’t save enough money.

    While the pandemic has swept across the entire world and caused a global crisis, one thing that has stood out to many American adults:

    Frankly, they don’t have enough in savings.

    Not enough saved to live for 3-6 months due to unexpected reasons, let alone enough saved for retirement.

    Depending on what financial expert you talk to, the general advice has been and will always continue to be you need to save 10%, ideally 20% of your income.

    And while that might mean you need to do some math on your part, the real question you might be asking is “What amount of money should you have saved at your age?”

    That is the exact question I asked myself at age 30. Not knowing the answer, I searched:

    “How much should I have saved by age 30?”

    What I quickly learned that was there are a few actual measurable/quantifiable/actionable numbers you can implement to save enough for retirement and to live a great life. And knowing those numbers is key!

    What you will read:
    1. Savings by Age
    2. Retirement Savings Charts by Age
    3. How Much is Enough For You By Age?
    4. Saving Automation
    5. Tips for Saving Money

    What should your retirement savings by age look like?

    To add in my text : Self employed, Vanguard, Mutual fund, Individual retirement account, Boomers, Retirement fund, Retirement goals, Social security benefits, Withdraw, Retirees, Retirement income, Retirement account, Savings plan, Saving for retirement, Retirement savings

    Most of us save (or should save) for four reasons:

    1. Emergencies (job-loss, illness, pandemics)
    2. Wants & Goals (new home, kids going to college, new car, trip)
    3. Retirement
    4. Security

    In the article Americans Suck at Saving, the first thing you will recognize besides the blunt title is that the average American adult is saving less than 5% of their income.

    In fact, for adults in their 20’s, who should be saving 25% of their income (less responsibility like kids, saving for college, etc) were saving less than 3% on average.

    Simple math, 25% of someone’s gross income who is in their 20s would be $15,000 per year if they make $60,000 per year. This includes contributions to 401K’s, individual retirement plans and even debt repayments in addition to cash (liquid) savings.

    Savings and financial expert Susan Orman of CNBC Money was quoted saying,

    70% of the population has less than $1,000 saved.”

    Whether that is you or not, after saving $1,000 as fast as possible, recognizing how much savings by age bracket you should have is essential. Setting retirement savings goals starts with setting appropriate saving benchmarks:

    Age 30: Annual gross salary saved.

    Age 35: Have 2x your gross annual salary saved.

    Age 40: Have 3x your gross annual salary saved.

    Age 45: Have 4x your gross annual salary saved.

    Age 50: Have 5x your gross annual salary saved.

    Age 55: Have 6x your gross annual salary saved.

    Age 60: Have 7x your gross annual salary saved.

    Age 65: Have 8x your gross annual salary saved.

    Knowing that by age 40 you should have 3x your gross annual salary saved for retirement is one thing, but seeing what that would look like for a couple with a combined gross income of $100,000 is even better:

    Age 30: $100,000 saved.

    Age 35: $200,000 saved.

    Age 40: $300,000 saved.

    Age 45: $400,000 saved.

    Age 50: $500,000 saved.

    Age 55: $600,000 saved.

    Age 60: $700,000 saved.

    Age 65: $800,000 saved.

    Setting appropriate savings goals by age is vital to your long term savings plan, which is why many savers often look for savings chart to help guide them!

    Retirement Savings By Age Chart

    Whether you’re behind the savings curve when it comes to age or way ahead of it, using retirement savings by age chart will help guide you.

    However, the elusive, magical savings number most covet is still the one million dollar mark. This savings chart was featured on CNBC Money and displays the steps to save to a million based on age:

    retirement savings chart by age

    The savings chart is simple to use:

    • Along the x-axis you will find ages, starting at 15
    • Along the y-axis is the amount to save annually to reach a million
    • So if you start saving at 40, and want to retire by 65, you would need to start saving at least $16,000 a year, or $1,333 per month
    • Hence – the importance of starting early
    • Or if you are 40 and wanted to retire by 50 you would want to make sure you are saving $24,000 per year which equates to $2,000 per month.

    The article goes to point out that the average person can be a millionaire within 30 years by saving just $833 a month. On the other hand, considering the fact that 1 in 2 doesn’t even have a $1,000 in savings combined, saving $833 a month might be a stretch for some people.

    While the chart might simple to use, teaching yourself to save money might not always be a walk in the park, especially if you have not created a savings habit. Later we will explore saving ideas from daily challenges – to monthly saving guides – there is something out there for everyone.

    [Related Content: 17 Ways to Cut Spending & Create Cash Flow.]

    How Much Savings is Enough for You by Age?

    How much do you want to be saved and what age do you want to reach that number?

    Do you want to have:

    • $2,000,000,
    • $1,000,000,  
    • $750,000
    • Or do maybe you just want $20,000 for a new car?

    The answer to the savings question still boils down to what is the best number for you and your family’s needs.

    While saving a million might sound cool, maybe right now you are just looking to create a nice emergency fund then dump some money into an annual vacation fund.

    To know how much you need to be saved, consider working backward from your end goal. For example, consider long term financial goals, travel, retirement age, kid’s college and so on.

    Personal finance and investment experts typically recommend planning to live on 80% of your income during retirement.

    The same couple who made $100,000 earlier, would want to have approximately $80,000 per year to use for retirement. $80,000 per year equates to $800,000 for 10 years, and $1.6 million for 20 years.

    Therefore, do your best to pick a number on the chart that is accurate and that can actually provide you with enough funds to comfortably retire! Having enough saved is key to retirement account withdraws!

    Quick Savings Hack: Regardless of what you are saving for, another tip just to get the ball rolling is to first figure out your monthly fixed expenses. Multiply your expenses by 3 and save that amount. See how long it takes to save that amount. Once you have that saved, then double it, therefore having 6 months saved in an emergency fund. Once you have 6-months worth of money in an emergency fund then you have some different options and you can start saving for the future, or the vacation, or the car!

    Real Numbers: Average Savings By Age

    We have firmly established that most do not have enough saved. That is OK consdiering awareness is key to creating any new habit – and saving is a habit.

    That being said, you might be asking what do people really have saved by age? Below you will find the average median savings levels by age as of June 2019:

    Source: Federal Reserve, FDIC, and MagnifyMoney estimates, June 2019.

    Factors to consider with all numbers (aside from being arbitrary) is the bottom 40% of American households have little to no savings (less than $1,000). Conversely, the top 10% of the population by income is likely to have many times the national household savings average, thus mean averages are not as accurate.

    While median averages are more accurate for measuring retirement savings by age, in the end the only focus for savings you should focus is on is climbing up the savings chart for yourself!

    Tips to Help You Save More Money

    You have to save more money, that is clear – we all do. Whether you’re in your 20s, 30s, 40s or quickly approaching reitrement, it is never too late to save.

    Keep in mind, saving money is a habit, and it is a good habit to start at any age, especially if you’re just starting your career. On the other hand, even if you’re considered older by age, practicing saving is a good habit for when you do retire.

    Automate Your Savings

    So how do you take the headache out of savings? Do it automatically.

    Whether you just can’t get yourself to manually take $250 out of every paycheck and stash it away or maybe you just spend all your money before you can save, set-up automatic savings.  

    The simplest way to save is to use direct deposit when available.

    Using the savings by age chart, earmark a savings amount to go right towards your retirement savings or cash savings account. This takes the emotions out of savings and you almost forget you are even doing it.

    Other automatic savings tips include:

    1. Use direct deposit to automatically save
    2. Take advantage of 401K employer matches – it is free money
    3. Use spar change apps like Acorns to round up purchases and save
    4. Open up a Vanguard brokerage account and use dollar-cost averaging
    5. Check out M1 Invest to use a robo-advisor
    6. Save your raises! Since you already use a budget, automatically save your raises in increase retirement contributions!

    Acorns is a great app that will round up every purchase you make to the nearest dollar, stockpiling the difference in an investment account. At the end of the month, the stockpile is applied to a targeted item – in this case saving or investing.

    For example, let’s say you use Acorns and you buy a burger next week for $4.25. After everything is all set up .75 cents would be added to your accumulating fund that then would be applied to your savings at the end of the month.

    Use the Cash Envelope System

    Saving money has less to do with “Saving” and more to do with your spending!

    The average baby boomer has more saved because they were raised by parents who saw the repercussions of the Great Depression of the 1920’s.

    While they certainly didn’t have to worry about student loans, unfettered lending, and raising healthcare costs, the boomers have practiced better savings habits than most.

    And that started with their spending habits. So in order to help you curb your spending habits to save more money, consider using the Cash Envelope System if you’re not disciplined enough to save enough and need to cut back on spending.

    How it works:

    1. Denote money for each variable expense, like groceries, gas, eating out.
    2. Place budgeted cash in each envelope
    3. Once an envelope is spent, that is it for the month.
    4. If there is extra at the end of the month, save it or use it for the next month

    Other Saving Tips

    A $1 in the market doubles every 10 years on average/historically.

    $100 becomes $200, $200 becomes $400, and by year 30 that same $100 is now $800. Now, imagine that on a larger scale compounded over time with regular contributions?

    Consider applying these quick saving tips to help you:

    1. See how much you’re saving now. Increase it by 1-2% every few months to give yourself time to adjust
    2. Fully fund a 6-12 month emergency fund
    3. Use employee matched retirement accounts that are tax-deferred
    4. Research dollar-cost averaging – contributing monthly to investments regardless of markets.

    Final Thoughts on Savings by Age

    So here is the savings by age takeaway… start saving more than you are!

    If you’re under 50 and you think social security might be around, think again. The pandemic might end social security as we know it according to many financial experts and economists.

    If an 18-year-old walked up to you right now and asked “What should I do with my money for the next 10 years?” you would tell them to avoid debt, save 75% of their income and live as cheap as possible.

    On the other hand, if a 30, 40, or 50 year old asked the same question OR if you asked yourself, I hope the answer would be similar!

    While living off 25% of your income is not feasible, saving 25% is!

    Depending on your mindset, it is never too late to start and even saving 10% of your income is higher than the 2017 American saving rate of 3%.

    Save more – live better might be the Walmart slogan, but it is also a great strategy for your financial future and savings by age!

    Just remember, every dollar saved is doubled every 10 years in the market! Your future self will be glad you read.

    This post was originally published on Money Life Wax and republished with permission.

    Hit the ground running and start your first side huslte. Get The Guide!

    Money Not Spent

    Copyright © 2025 Money Not Spent · All Rights Reserved · Powered by Mai Theme

    • Home
    • Save Money
    • Make Money
    • Grow Your Money
    • About