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Let’s Focus on Passive Income


As many of you know, I’ve been reporting my income for a little over a year now. When I started sharing my earnings with you, I was only making about $20 a month, but lately my earnings have been exceeding $3,000 each month! It’s been a crazy ride and I’m honestly not sure how I pulled it off, but I sure am glad that I took that first step and started blogging.

While I know that many of you have enjoyed my income reports, it’s time to shift the focus here at Life And My Finances. Rather than share every single dollar that flows into my account through my many sites, I’m going to share with you only the affiliate/passive income that is earned. I’m shifting my focus for a couple of reasons:

  1. Sustainability – when I make one time deals with advertisers to put a banner on my site, my income soars for the month; however, if I don’t make a similar deal the next month, my income could be $0.00. By focusing on affiliate sales or “passive income”, my earnings should be more steady from month to month.
  2. Aligns with my Overall Goals – what would you think the main goal is for this site? For me, I’d say GROWTH! I’d love to see a continued growth in visitor numbers and subscribers. This means that my site would be doing what it’s been meant to do – helping others take control of their finances. My goal is not to contact a bunch of advertisers and litter my homepage for a few bucks. By shifting my focus, my earnings will come as a result of helping more people ditch their debt and invest in their future.
  3. People Can’t Handle My Income – when my earnings report showed an income of less than $1,000, people thought it was pretty cool and were amazed that someone could earn more than $5 online each month. It was fun. But, now that my latest incomes have been well over $1,000, people are beginning to show their ugly side. Recent attacks against my site have forced me to think differently about how transparent I am with my income.

Do You Really Want to Know?

I understand that some of you may be bummed out right now, but quite honestly, I think this form of income reporting will be so much more beneficial to the site. I bet my visitor numbers will begin to soar and the overall experience of the site will be 10 times better.

Having said that though, if you are still interested in my complete earnings report and have developed a relationship with me, I will be 100% transparent about my income, especially if it will help you succeed with ventures of your own. Just contact me by email and we can chat.

My First Affiliate/Passive Income Report

So why not start right now with the reporting? I think now is a great time to get this ball rolling!

March Income

  • iPage Affiliate Sales: $105
  • HostGator Affiliate Sales: $50
  • Adsense Income: $69.88
  • Total: 224.88

To be completely honest, I don’t think this income is too shabby. I put absolutely no effort toward making these sales; I just wrote a few quality articles, attracted a few eyeballs, and the sales took care of themselves! I could get used to this kind of income! 🙂

What do you think of my shift in focus? Do you think it’s a good move?

Income Reports Passive Income


My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. I wouldn’t really call any blog income passive. You have to put in the work for that income to keep coming in. And are you sure there isn’t another major reason why you changed income reporting formats? I think I can guess why.

    • I really call it affiliate income (income based on sales), but I’m also throwing in my book sales, etc. into the mix, which I consider passive income. So, it’s a combination I guess. My main reason for changing the income reports is because I don’t want to be attacked by jealous people, just as I said in #3, but I do think that my refocus is going to be great for my blogging mindset! It’s really going to be better for everybody.

      • ebook sales is a lot closer to being passive income. The thing with a blog though, you really have to keep all the work going to keep reaping the benefits. I do think it is a good idea to not report the other income so openly, but your reasoning above understandingly lacks transparency. Hopefully this motivates everyone to focus more on this kind of blog income.

        • I read ya MM. If I would have focused on this time of income from the very beginning of my blogging career, I think my income would be much more consistent and predictable. Better late than never!

    • whether the income is passive depends really a lot of the composition of your traffic. If 75% of your traffic is from search, the income can be pretty passive.

      I have niches that i have not updated in ages which are still bringing in traffic.

      That being said, no venture will ever be 100% passive. Even rental income needs maintenance.

      • I’m pretty close! I think that about 60% of my traffic is from search engines, and it’s always rising with each article I write. This passive income thing is going to be pretty great. 🙂

  2. I kind of agree with MM. Blogging isn’t really passive income to me. I put a video together it took 3 months to make. Blogged about it for 2 months and then a month later really good money came in from that video. One could say I did nothing or got passive income but I busted my ass for that money. I still make money from that video but I still feel I worked for it. Anyway I love you if you post your reports or not. For me your posts are worth more than how much your reports say.

    • By definition though, Jai, your video is passive. It’s work that’s done today that you’ll passively collect in the future. Sure, it is tough work and might take you quite a few hours, but it’s very similar to the passive income of an author. Congrats on that income by the way! You’ll have to teach me how to make money from something like that.

  3. I don’t mind what you decide to report, but it is a good idea to stay under the radar at times. A couple hundred dollars for the month is not shabby at all.

    • Yep. I may be under the radar for a bit, and it’s pretty sad that I have to do that, but I think this new format will be good for all of us. Thanks for the awesome comment!

  4. Hm…..well, I look at it a little differently. I am going to be blogging either way. Yes, I do put effort into it, but I would put the effort anyway. I make sure my blog posts make my product available, but I don’t hammer on the product every post. And then there’s the AdSense, which I find fascinating.

    So, whether anyone considers blogging to be passive income or not, I really appreciate and would continue to appreciate hearing about your AdSense income. That’s where it’s at, for me…for now.

    • Well then it sounds like you’ll appreciate my new style of reports! Thanks for the comment gharkness! 🙂

  5. It makes a lot of sense not to report your full income, but like everything else there are positives and negatives. The higher income figure could be seen as inspiring and could draw more people OR you could lose people as they can no longer relate to you.

    Let’s be real though, either way your visitors will soar.

    • Yep. It really is a toss-up isn’t it? We’ll have to see how this all works out. I bet it will be for the best though. Oh, and my full reports will still be on – with a code-name, but I bet you could still figure it out. 😉

  6. Well I for one have been highly inspired by your full disclosure reports! I will miss them as I check them every month and get more inspired and motivated the old dog that I am!

    At the same time I understand with the amounts you are making now, the jealous jellos would start coming out and getting nasty.

    You will rock this blog no matter what new format it takes on and I for one will continue on reading it!

    • Cool. Oh, and since you are a devoted reader and we’ve developed a relation, I would be happy to disclose every minute detail with you if you really want to know. I’m happy to help out any way that I can! 🙂

  7. I will continue to read no matter how you choose to report!! Awesome, inspiring blog!!

    • Awesome Toni! Thanks for the comment. There are going to be some big things happening soon – I know you’re going to love to read about it!

  8. While I enjoyed reading your income reports on a monthly basis I totally understand your POV. Will be reading your passive income reports anyways.

    • Glad to hear it BTI! I always love reading the comments!

  9. I think this is a great idea! Mostly for the reasons you stated. It will be good to see what the income looks like on a more sustainable basis. Best of luck with the continued growth!

    • Thanks LaTisha! I think it will be a great measure for the success of my blog.

  10. a couple of hundred dollars is great! But was is even better is what you do with it. If you invest it in dividend paying stocks, it grow even more over the long haul.

    • Very true. Much of my blogging income right now is earmarked for college tuitions – either mine or my wife’s. Either that or the home mortgage. Than we’ll add some extra to our investments.

  11. Congrats on $224! That buys a lot of good meals for two. Really great to see more and more bloggers whose core is not blogging about blogging be more discreet. Will be better for the blog in the long run.

    • I’m glad you’re down with the new plan Sam. Thanks for the comments. 🙂

  12. I’m a quite long blog reader but this blog took my attention it is very useful and helps me a lot to keep in track.

    • Glad it could help you out Nicole! That’s the main reason why I write! 🙂

  13. Derek – You do what you’ve got to do. It seems RIDCUOULS to me that the haters would be upset with how much you make, but I can easily see how it happens – people tend to hate those that are more successful than they are. As you know, I’m pretty inspired by these reports. So regardless of how you present the information, I’ll continue to check in. And once again, way to go on the income!

    • Stinkin haters….ruining it for everyone…. Haha, it’s ok though. We’ll press on and keep improving regardless of those haters! 🙂

  14. I am sure regardless of this change your blog will still be an awesome read. 😀

    • I’m glad you feel that way libby! There are many great things coming in the future!

  15. I’m getting so irritated with all of this BS from people online who have no idea how hard we work online to make a few bucks. I write because I love to write, and sometimes these A-Holes really get me down…

    • Haha. Yup, I definitely know how you feel. But, if you’re going to be successful in life, these types of people will always seem to show up – no matter what your venture is.

  16. Earnings an individual derives from a rental property, limited partnership or other enterprise in which he or she is not actively involved. As with non-passive income, passive income is usually taxable; however it is often treated differently by the Internal Revenue Service (IRS).

  17. curious about the attacks on your site. can you elaborate?

    sorry – very unfortunate

    • Nothing too bad happened….. yet. But one can never be too careful.

  18. If you have a great deal of liquid cash on hand, investing in income real estate can be a very powerful tool for building passive income to fund your early retirement dreams. But building wealth through income real estate can quickly begin to feel like a full time job, and carries frequent and unexpected costs that include home repairs, taxes, and many others unpredictable expenses. That’s why, for most investors, early retirement is more likely to be funded through the strategic allocation of funds into truly passive investments such as dividend paying equities and bonds.

    • Investments are risky in my mind. I’d rather have more control over my money, and that’s why I love real estate. I don’t mind the extra work if it comes up. Plus, it’s still way less work than my regular full-time job!

  19. Derek…smart move! Too much disclosure just sets you up for these that would desire bad things to happen.

    • Thanks for the approval BE. I think it’s the best thing for me, and I’m excited to report my “passive income”.

  20. Hey…i love your blog. But this is my problem with pasive income. For me pasive income is income that you get without none or minimal work. Like, for example, dividends, royalties, even maybe rental real estate. I dont know your case but I am sure there are many blogers spending 60 hs a week for their “passive income”. So, how many hours a week do you devote to this blog?

    • To this one blog? Maybe 7-8 hours a week. It’s way better than working a full time job (and it pays better too)! When I say passive income though, I really mean affiliate sales. I just didn’t know where eBook sales fit in there since it’s not really affiliate.

  21. Enjoy Your blog. Was wondering why you stopped posting Your income reports. Last one was posted in February.

    -Your friend Byron.

    • Hi Bryon. I plan to start them again in the new year. Stay tuned!

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