Don’t Confuse Being A Freelancer With Being A Blogger And Vice Versa

by in Lifestyle on Aug 5th, 2013

The terms “blogger” and “freelancer” are often used interchangeably to describe ourselves, but it’s important to differentiate between the two to minimize disappointment and maximize profitability. One can certainly be a blogger with a freelance business or a freelancer with a blog. However, to do one successfully requires a different skillset.

I’m a blogger first with some services I offer to anybody or any business looking to develop a presence online or seek help with their personal finances. However, such services are not my main focus as I limit my clientele to four a month maximum. The reason why I limit my consulting is because I mainly want to write, which is my joy. If I wanted to work, I wouldn’t have retired!

Whether my writing makes money or not is secondary to being able to share some thoughts and interact with the community. It’s always going to be this way. The thrill of getting picked up by some major media organization or doing an interview on a public radio station is addicting. So is learning about different perspectives from readers all around.

As it turns out Financial Samurai generates enough income to eat ramen noodles in San Francisco. But again, this is a side product because I’m currently living off my passive income streams in CD interest, dividends, and rental income. Everything generated from my blog is a bonus.

Despite four years of blogging, I’m still struggling immensely with selling a product or myself. I just don’t enjoy the process of trying to make money from readers and am seriously considering outsourcing the work to a freelancer.


Tortoise Banker – Yakezie Member Post

in Featured on Apr 23rd, 2014

Aloha Yakezie Ohana! I’m Chuck, the author of Tortoise Banker.  By day I’m a branch manager of a community bank where I have the pleasure of helping all kinds of wonderful people find the peace of mind simple financial advice can bring.  Like many of you, I was initially drawn to personal finance blogging because of a few “ah HAH!” moments, and couldn’t help but share these gems with the anonymous googlers of the internet.

One of the circumstances that led me into this interest in personal finance was a sudden advanced stage cancer diagnosis.

My family sent me off to college with (what we thought) were all the tools to succeed, except for some decent health insurance. The 80% up to $10,000 policy I had dried up quick and I was forced to mull all kinds of nightmarish scenarios in my head, but luckily I got picked up by a “parachute” program for kids under the age of 21 without insurance.  I was 20 years old, and 11 months when I got diagnosed.  Praise the lord.

Needless to say, an obsession with making the right financial decisions grew out of this experience, and HERE I AM! (5 years all clear by the way, without an ounce of debt).  27 years old, married to the most wonderful woman in the world, and introducing myself to some of the most revered personalities on the dubya dubya dubya. Read More


Brick By Brick Investing – Yakezie Member Post

1H2014 Class

by in Featured on Apr 21st, 2014

Hey Yakezie Network!! Words can’t express how ecstatic I am to officially become a member of this highly exclusive network. My blogging adventure began in the fall of 2012 and after stumbling around the blogosphere for a couple weeks the one thing that became abundantly clear…. every successful blog I came across had the Yakezie member badge.

I’m being serious, EVERY blog I came across had the badge or at the very least the “Yakezie Challenge” badge. I knew right then and there that I needed to get my foot in the door with this network. A year and a half later I’m glad to be considered a member!

The Birth Of Brick By Brick Investing Read More


Moneystepper – Yakezie Member Post

1H2014 Class

by in Featured on Apr 17th, 2014

There’s a famous expression often used to explain your crappy old car: “it gets me from A to B”. What an intriguing little phrase. It makes getting from one point to another sound remarkably easy: it only requires a battered old banger to achieve it.

In my personal life, I have found the reality of the journey from A to B much more challenging. In fact, I have all too often found getting from point A to point B very difficult indeed. I wouldn’t need an old beat up motor, but instead a top of the range brand new v8!

First of all, let’s have a look at why getting from A to B is important. For me, this part is quite simple – there must be something at point B that we really want or need. To succeed in life, we need to reach our desired destination – whatever or wherever this may be. We need to get from where we currently are (point A) to where we want to be (point B). However, there are many potential points of failure in this journey. From my experience, these potential failure points can be summarized into five parts:

  1. Not understanding where you are (point A)
  2. Not knowing where you want to end up (point B)
  3. Not appreciating why you want to get there
  4. Not setting off on your journey (not taking any action)
  5. Not mapping out how you’re going to get there

I’m British.

I’ve failed many times in my life.

Saying these two things is almost a contradiction in terms. Not because the British don’t fail. Oh no, quite the opposite. Failure is a huge taboo in Britain and this is an extremely dangerous flaw in our national persona. By not accepting failure, we cannot understand why we failed. We cannot learn how to avoid this failure in the future. Ironically, the lack of this learning cycle leads to more, you guessed it, failure!

Therefore, what better way to start my Yakezie journey than to publicly humiliate myself and share some of my many failures under each of these categories! Read More


Yakezie Member Post: Luke1428 Born Out of Inspiration

1H2014 Class

by in Featured on Apr 14th, 2014

Who inspires you?

Is that too serious a question to begin a Yakezie new member post? Perhaps, but it’s extremely relevant for me because I think about this every time I sit down to write. Dwelling on this keeps my writing focused on my mission. Above all, as noted here on Yakezie recently, it allows writing to be fun, knowing that it serves a higher purpose than just benefiting me.

In case you don’t know, my name is Brian and I blog at a site called Luke1428. For those wondering where that name came from, you can find the short story behind it here. It certainly fits with all things related to personal finance and successfully pursuing life goals once you understand the context.

To answer the question, I derive my inspiration from four sources. Those of you that have followed my writing know Luke1428 has a religious bent to it’s content. I am a Christian and work my thoughts into some of my writing, most notably my Hidden Nuggets Series, which highlights money related themes from the Bible and their relationship to contemporary cultural issues. My relationship with God has been a true blessing in my life and I think about what might or might not honor Him every time I write.

My faith teaches me that one of my highest callings is to serve others. That’s a huge reason I started writing in the first place. Nothing can be more personally gratifying than giving of oneself to touch other people’s lives. Knowing that the words I write may impact someone for good keeps me inspired each day.

I have four awesome pieces of inspiration, scurrying around our home. Right now, it’s raining on our school’s first day of spring break and they are all downstairs watching TV, keeping it quiet so this can be written without distraction. (Ahh…the quietness of a house with four kids is a moment to cherish.) Even more so to cherish though, is the gratification I receive knowing my words are being taken in by their little eyes and ears eager to learn about life and money.

My last source of inspiration has been with me for 18 years. She’s the reason my blog exists. And it wasn’t due to her words only…her actions were truly inspiring. Read More


The Most Important Aspect Of Being A Successful Blogger

You Will Be A Happy Blogger If...

by in Lifestyle on Apr 7th, 2014

I love how here on Yakezie we all come together for our love and interest in blogging, personal finance, lifestyle topics, and helping each other. I wouldn’t be where I am today as a blogger without Yakezie and the support of so many Members and Challengers. I knew so little about websites and blogging before I started the Challenge! Looking back I have to laugh at some of the things I used to get so confused about, for ex. what’s the difference between a plugin vs a widget? and what the heck is RSS? And I know a lot of you have had similar experiences.

I didn’t even know what WordPress was until a few years ago. The only thing I did know was some basic html that I learned many years ago when I was playing around trying to make a website on Yahoo Geocities. (Remember Geocities?!) Ha that was so long ago it sounds like the Stone Ages. Well I totally failed at my first attempts to get on the web, which turned out to be fine, and it’s exciting to see how far technology, web platforms, and online sharing has come since then.

You Will Be A Happy Blogger If…

There are many things I’ve learned from blogging since I started Untemplater. Some I learned from others, some I learned by research, and a few I learned by accident. If I had to pick only one piece of advice to share from them all, it would be to blog because you love to write. You’d be surprised how many people run sites and call themselves bloggers but actually don’t enjoy what they do and dread having to write.

As an observer, I’ve seen more and more people start or takeover a blog primarily because of money and not for the love of it. I’m not saying it’s bad to earn income from blogging, I think that’s a sweet bonus. But having too big a focus on money alone tends to squeeze all the life and personality out of a site. As a blog owner, if you don’t truly love writing for your own readers, the truth will eventually come out.

Blog Because You Love It! Read More

How To Make Money Quitting Your Job
  • krantcents: Congratulation completing the challenge. Savings was and is my number one priority. I will have to switch...
  • Brian@Luke1428: Congrats on completing the challenge Chuck! And I’m not only talking about Yakezie. Can’t...
  • AverageJoe: Awesome post. Happy to get to know you better. Love your 16 points strategy. You’re right: simple...
  • Zee: Congrats on completing the challenge. I’m curious since you brought it up, (also because I’m just...
  • maria@moneyprinciple: Welcome, Marvin; well done for completing the challenge. Keep going and shall be seeing you...
  • moneystepper: Thanks Pauline. That’s good news – it means I’m a sure thing to succeed now!! ;)
  • Brian@Luke1428: “…might consider me competition…” Haha…I thought this as well. I...
  • Pauline: Welcome Brian, and well done on the team work. You guys are lucky to have each other.
  • Pauline: Congratulations Graham and best of luck with moneystepper. The more you fail, the less you are afraid of...
  • HappySimpleLiving: Marvin, your story is inspiring and your Thrift Savings Plan page was very interesting. I like...
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