Hi Kay,
Your website looks fine. Reasonable layout, white space, etc. As long as the look is acceptable, I doubt whether another theme will make much difference in traffic. One note about it right now is that the picture of a rattlesnake will freak out some people, because a portion of the population is terrified of reptiles. (I have lived for thirty years with one of those people. She would never revisit your site.) Pictures are great. Everybody loves furry animals. Think about the pictures that make people feel good, if you want them to stay. Think of this as your living room. Most visitors would not take a seat if the pictures on the wall made them nervous.
There is only so much you can do with a website itself to get more traffic. Decent content and you get search engine traffic. Posting a 1000+ word thoughtful article once a week sustained over time gets that traffic. Quality links elsewhere on financial sites that point to site will help. Anchor text helps. The key issue is sustained activity. If you do not like blogging for the sake of blogging, you will start to hate your hamster wheel. Social traffic is flighty, but some people like it. You have lots of comments, so somebody is stopping by.
If one is committed to personal finance blogging for the long-run, you will deepen your financial knowledge. In addition, however, if you do not commit to learning the technology, you will constrain yourself and have to pay for things you do not need to pay for. Websites are just a bunch of scripts that you can edit, if you learn how to do so. Google searching and forums are your friends to learning how. The Wordpress site has lots of information. Plugins will help as ready-made tools. It is confusing at the outset, but it begins to make sense the more you commit to learning the how-to of websites. Once you learn how to edit your scripts (safely – always have backups for restoration), you can change the look of your site however you want it to be.
Some specific comments about the site:
* Tried the Hellobar on several sites and tossed it. Little yield for wasted screen real estate. Plus it messed up other plugins.
* Every link on the home page (and other pages) tells Google what is important about your site. Unimportant links dissipate your "link juice".
* Are the blogroll sites your friends? If not, I could ditch the blogroll
* I would edit the footer script to ditch the Powered by Wordpress link
* I would edit the various scripts to ditch the links to the tag, author, and the other archives because they also dissipate your link juice.
* Same with sidebar archives
* Also kill the "Join 23 other subscribers" phrase above subscribe. I tend to avoid supplying numerics and let the user decide if they like what you have, rather than judging the site by metrics.
Again, if traffic building is the concern, what you do offsite is much more important than what you do onsite. If the look is acceptable and your content is decent quality, raise the visibility of your site elsewhere.
Larry