Earn an Honest Living Online: How to Make Money With a Blog

make living online

This post has been in the works for quite a while. Initially I reached out to my network about featuring different online money-making methods as a case study (complete with actual numbers, their best tips, and experiences).

However, I received so much opposition (hypocritical answers and requests to withhold certain information) that I had to rearrange how I approached this blog post idea. This is a sad, but true fact.

Still, I’m determined to bust through the myths that you either have to earn a living online by selling your soul or working yourself to death. I have personally overcome both of those misconceptions and am averaging $5,000 a month in revenue from this blog.

How to earn money online

Before I explain the different methods you can use to earn an honest living online, I first want you to understand that there are actually two completely different paths you can take as a business owner.

  • Build a brand (long-term). This can come in the form of a personal brand, as exampled by Mariah of Femtrepreneur, or a company brand, as detailed by The Write Life. I started out as simply a freelance writer trying to free myself from a workaholic lifestyle. I have since grown and expanded Careful Cents into a reflection of a personal brand with company brand overtones. Both of these brand-building routes are good choices, and offer the capability to increase your popularity, authority, and income, as an entrepreneur.
  • Make money (short-term). Yes, building a brand does make money, but it will take much, much longer to establish a brand that turns readers into paying customers. (In fact, according to my research and personal experience, it takes an average of 3 years before entrepreneurs turn a profit from their branded business.) The mindset of making a quick buck can present itself in building niche websites, using freelance job sites, buying/selling websites, and switching from idea to idea . These are all viable ways to make money but that’s it. You’re only bringing in money to pay the bills now, you’re not building a long-term business that will repay you for years to come.

Let me be clear, there are no right and wrong ways to make a living online. There are only right and wrong ways FOR YOU as an entrepreneur. If it doesn’t feel right, don’t do it.

No matter how many ethical ways other entrepreneurs spin it, or how many case studies they publish to prove it works, it has to work for you to be effective.


There are dishonest people all over the internet (and among my blogging friends). This should not come as a surprise to you. Even well-established bloggers are hiding the fact that they earn money in an unethical (selling-out-their-soul) kind of way. But that’s up to them.

I’m not here to judge what others do, but to simply reveal the real truth of what it REALLY takes to earn an honest, and ethical, living as an online entrepreneur.

8 Proven ways to make money with a blog

There are lots of other ways to earn money online but I’m showcasing the best ones based on my personal experience (through experimenting) and what I’ve seen my fellow colleagues/friends test.

Some of these methods allow entrepreneurs to earn thousands of dollars every month, while others only make a few hundred.

It takes a lot of time, energy, and financial resources to get a new business off the ground, but the reward usually outweighs the sacrifice. Here are 8 case studies (in no particular order) that prove you can earn money online without selling out.

1. Freelance writing and teaching

As I mentioned earlier, freelancing is the quickest way to earn money but it doesn’t usually make the jump into a viable or scalable business model — unless you do what Gina’s doing.

Gina Horkey is a coaching client of mine. We’ve been working together for just over a year, and I helped her start her online business, grow it so she could quit her full-time job, and now earn enough money to support her small family.

I too, started out with freelance writing and editing as my main source of income, but I’ve since moved in the direction of a personal brand so it has a long-term income strategy. If you’re just starting out as an online entrepreneur, I highly suggest that this is where you start. A solid foundation of writing is the best way to earn an honest living online.

  • Name: Gina Horkey, Horkey Handbook
  • Method of monetization: Freelance writer, writing course author, teacher, and coach
  • Monthly income: $6,000+
  • Age of business: One year (launched May 2014)

Click the button below to read my interview with Gina and find out more about her freelance writing journey.

Learn More

2. Direct advertising

Offering direct advertising on your blog or website is a great money-making method once you’ve established a solid online brand. You usually need to have quite a bit of traffic (in the form of pageviews) before brands will want to fork over money.

It’s also a lot easier to request a decent advertising rate when you build a separate company brand (a brand or business that isn’t focused on you as a person), versus a personal one. Alexis Grant is the creator and founder of The Write Life, a multi-contributor website that focuses on resources for published authors and writers.

Her team began experimenting with direct ads last year and now earns up to $2,000 a month from displaying banner ads in the side-bar of the blog, and in the weekly newsletter. They are very particular with what brands/ads they agree to work with, so the resources are something their readers will find helpful.

I personally chose not to go this route because I didn’t want to clutter up my blog with banner ads. I do, however, occasionally accept brand sponsorships (from brands I work with directly) to display an ad in my weekly newsletters.

  • Name: The Write Life
  • Method of monetization: Direct advertising and banner ads
  • Monthly income: $500-2,000
  • Age of business: Two years (launched June 2013)

3. Coaching or mentoring

Business mentoring, life coaching — whatever you identify with — coaching offers the chance to make decent money while offering guidance and helping people.

I never thought of myself as a mentor, and never wanted to identify with the term “coach”, but over the past year I have embraced that title, as more and more go-getters reach out to me for mentoring.

Depending on what level of experience you have, and your reputation, coaching can pull down $1,000 per session, or more. (I personally know several business colleagues who charge this rate.) Don’t worry though, my 30 minute sessions are a budget-friendly $50.

I want to focus on more realistic numbers, and this is something that my friend Amanda Abella has been able to achieve. She’s an awesome coach, and author, who mentors millennial entrepreneurs to take control of their money mindsets and fall in love with their finances.

We’re a kindred spirit in the money realm — I’m sure you can see why we’re friends.

  • Name: Amanda Abella
  • Method of monetization: Coach and author
  • Monthly income: $6,000+
  • Age of business: Four years (launched in 2011)

4. Brand ambassador and sponsorships

You know those people who give out free samples of food at places like Whole Foods? They aren’t volunteers. The company is paying them to give out free stuff in hopes they can raise awareness about the food and sell more bags/boxes.

This is the simplified definition of what it means to work with brands and become a brand ambassador. In fact, the hubs has been a brand ambassador for Organic Valley and traveled around the state giving away coupons and free milk. The company paid him for his time (6 hours a day), food, and lodging for 3 days.

Sounds too good to be true, right? And how does this apply to an online business? Well, thanks to the fabulous expertise of my friend Shannyn, from Frugal Beautiful, you can learn to work with brands who want to pay you to give away free stuff, do reviews, and model goods on social media.

She’s worked with Payless, Kohl’s, CVS, and tons more companies to get hotel stays, beauty products, clothes, shoes — all for free. It was her guidance, and course called Rockstar Blogging, that helped me earn my first dollar working with brands like E*TRADE, TaxAct, and Lifelock.

  • Name: Shannyn Allen, Frugal Beautiful
  • Method of monetization: Brand ambassador and sponsorships
  • Monthly income: $4,000+ (plus loads of free stuff)
  • Age of business: Four years (launched January 2011)

If you want to learn more about how to reach out to brands, create a media kit, and earn money as a brand ambassador, check out the new Rockstar Blogging course.

Be a Rockstar Blogger

5. Selling digital products

If you plan to go the “build your own brand” route, then digital products and services are by far one of the most lucrative methods for earning an honest living online. Regina Anaejinou leads by example with her expertly crafted, yet approachable, brand that is ByRegina.

I am constantly soaking up her blog posts, freebies, newsletters, programs, and digital products. (I even use her EPIC BLOG planner every day.) To say that she offers an epic amount of value is an understatement. The point is, she’s carefully crafted a brand that offers an immense amount of resources and is able to make $16,000 a month from info product sales in her digital store.

Earlier in 2015 I launched my own online store and have since created several digital products, courses, and ebooks with many more to come. No, I don’t make thousands of dollars from digital product sales, but I am making about $1,000 a month.

One of the things I love about this monetization method is that you’re not just making money, you’re helping others by teaching them a much-needed skill or offering a solution to their problem. That feeling of being able to make a difference in someone else’s life is why I continually strive to produce quality products.

  • Name: Regina Anaejinou, ByRegina
  • Method of monetization: Creating/selling info products
  • Monthly income: $16,000+
  • Age of business: Two-and-half years (launched November 2012)

6. Requesting donations

The donation model is a much lesser-known way to make money as a blogger or creative. One of the first trail blazers to go down this path is Maria Popova, of Brain Pickings. She makes thousands of dollars a month from readers who love her work and want to continue reading.

My good friend (and accountability partner) Steph Halligan also went this route when she launched her new passion-project, Art to Self. It’s less than 6 months old but already brings in several hundred dollars a month in donations from loyal fans and readers.

She produces daily inspirational comics, delivered via email, and people are eating it up. If you have a creative side, and want to share your art with the world, consider the donation model as a smart way to earn a full-time living online.

  • Name: Stephanie Halligan, Art to Self
  • Method of monetization: Donations
  • Monthly income: $300+
  • Age of business: Five months (launched January 2015)

7. Private membership subscriptions

The ladies who run One Woman Shop are truly inspirational. They each have separate businesses but have partnered up to build an amazing brand and business. It’s taken a lot of time and effort on their part, and they are still trying to turn a decent profit.

The reason I’m showcasing them is because not all brand-building endeavors should be entered into with the sole idea of making money. Sometimes it’s about making a difference, changing lives, connecting with others, or even personal fulfillment. These benefits often outshine any amount of money.

They’ve built an incredible community, that’s both supportive and full of valuable resources. As a female entrepreneur myself it’s nice to know that other female business women get where I’m coming from, and are happy to support my ideas.

  • Name: Sara + Cristina, One Woman Shop
  • Method of monetization: Membership forum and private group
  • Monthly income: $500+
  • Age of business: Two years (launched July 2013)

I’ve even had the pleasure of working with them on a collaboration course called, Solopreneur Finance. Click the button below to learn more.

Buy the Course

8. Affiliate marketing

I personally love affiliate marketing. Being the accounting person that I am, I really like the reporting, tracking, and income potential that affiliate marketing brings. It’s actually one of the first ways I monetized my blog when I made the decision to turn my blog into a business.

I’m by no means an expert, but I make around $300-400 a month from affiliate sales (most of which come from honest reviews of products like, FreshBooks and Betterment).

My friend and fellow blogger Michelle Schroeder-Gardner, from Making Sense of Cents, is someone who has been very successful at affiliate marketing. She currently brings in about $9,000 a month from affiliate links — someone clicks on her link and makes a purchase based on her review or recommendation of that product.

  • Name: Michelle Schroeder-Gardner, Making Sense of Cents
  • Method of monetization: Affiliate marketing
  • Monthly income: $15,000+ (of which $9k is from affiliate marketing)
  • Age of business: Four years (launched August 2011)

Now that I’ve peeled back the curtain of what it really takes to turn a blog into a viable business, and make a full-time living online, I want to hear from you.

How do you make money as an entrepreneur? Are you still experimenting with the best monetization method (like I am)? What’s your method for earning an honest living online?

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  1. Oh my gosh! Thank you for mentioning me! You’ve actually been a massive inspiration to me these last few months as I take a step back to rebrand and strategize! One thing I noticed work for me was writing for clients that helped me build my own brand and establish me as an expert. It’s almost like getting paid to promote myself in a way. I’ll probably write until the day I die anyway so why not haha. It wasn’t even a strategy I consciously thought of but it works! BTW Michelle is my new hero lol.

    • Carrie says:

      The feeling is definitely mutual, like I mentioned in the article! 🙂 I know that we share a similar passion for helping people and, of course, writing. I will likely always be a writer/blogger too. I just love it! Also totally agree with you about Michelle — she’s rocking it.

  2. Kirsten says:

    I briefly thought, a long time ago, about accepting donations on my site but I couldn’t get over the feeling of “asking for a handout”. I like how you mentioned this might be best for the artsier blogs; I agree.

    Love this post – I love seeing how other people are making money. I haven’t yet figured out how to hit that stride.

    • Carrie says:

      I also struggle with the mindset about donations simply being a way to ask for a handout, but the way these creatives offer art/value in exchange for a donation makes it worth it. The idea has definitely changed in my mind!

  3. Grayson says:

    Good one Carrie! I always wanted to focus on affiliate and it’s still part of my model, but I’ve since switched to the service model. Blog management gives me a better sense of accomplishment. It’s knowing I’m directly helping someone that gives me the most pride in what I produce.

  4. Ali says:

    So many good ideas here! Love the examples. It is really inspirational to see people who have actually made these techniques work!!

  5. Gina Horkey says:

    Awesome post Carrie! Thanks for including me:-). I’m happy to answer any questions on my business model. You have been AMAZING in helping me get where I am:-).

  6. Lisa McKay says:

    Awesome post, Carrie. This is something I’m really starting to think a lot about. I launched Modern Love Long Distance to help long distance couples about two years ago now. Traffic is up above 1000 views a day and starting to climb fast, and I’m really starting to think about how I can use that to both help people and earn some more money from what started as a passion project. This has been very helpful.

  7. Tracey says:

    Thank you for taking the time to provide such an informative and helpful post. As someone who will be launching my site Bold Bright Life in a month, this is encouraging.
    warmest regards,

    • Carrie says:

      I love the name of your site, Tracey! If I can help you in any way, through monetizing or other business questions, let me know. Good luck with the launch!

  8. Dane Hinson says:

    What a great post. I’m just getting started into blogging. Really I am just a passionate finance nerd that needed a creative outlet. Reading this made me realize that I need to consider the brand and potential for blogging to be a viable long-term business.

    • Carrie says:

      I can relate to where you’re at, Dane. I started this blog as a way to keep myself accountable and pay off some debt I ended up with after a bad divorce. It took me nearly 3 years before I decided to turn it into a brand and monetize it. I wanted to do it the right way and up until that point it just didn’t fit my goals. So there’s no rush! Just make the move to long-term business when you’re ready. 🙂

  9. Kennedy says:

    Great work Carrie. It has been inspirational to me as a freelancer and to many more others. The blog has for real expounded my level of knowledge and understanding on how one can become very successful doing only online work. It’s a good idea also for those who have never been in the online working platform before as it will open new ways in which they can earn more funds.

  10. Chella says:

    At first, I had a lot of doubts about online jobs especially blogging. But, it’s true, so long as you have exceptional writing skills and love what you’re doing, you can actually earn and do what you love to do at the same time. I would like to try some of the great tips shared here too.

    • Carrie says:

      I’m glad I was able to turn your doubt around with making money blogging. I was in the same boat as you when I started my blog. I didn’t view it as a way to make a living, or turn into a career, but as I’ve grown as an entrepreneur I’ve been able to do just that!

  11. Rahul Yadav says:

    What a great post. Making money online is not that really easy. The methods you have shared is really useful specially for those who are just starting to make money online. I have applied some of your methods and it really help me alot.

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