Posted by William Charles on August 14, 2015
Misc

Published on August 14th, 2015 | by William Charles

53

Why I Blog

One of the most common questions I get (especially when people ask for interviews which I almost always turn down) is why I started this blog and why I continue to do it. I think my reasons have changed over time, but can be summed up as follows:

  • I like to help people
  • I like to learn
  • I like to make money

When I began blogging I wanted to understand more about how credit scores were calculated and what you could do to increase your score. I thought this would be relatively easy, but the more I dug into learning about it the more complex I found it (e.g multiple different credit scoring algorithms, multiple data sources etc etc). I didn’t find anybody that had this information in an easy to digest format so I decided to create it and then this blog grew organically from there (credit cards started offering free FICO scores, I didn’t like the biased information about secured credit cards etc).

I would be lying if I said I didn’t also want to make money from this blog, I love making money. That being said it’s not my prime motivator, I have an extremely well paid day job that is more than enough for my modest needs. A few days ago the American Express SPG cards were increased to 30,000 points and a reader let me know that they were successful getting 5,000 courtesy points even though they applied for the standard 25,000 point offer months ago.

I decided that was worth a post to let other readers know that they should attempt it. By my count that post helped people get around 50,500 SPG points (and that only includes the ones that commented, it’s probably more like 10x that number).

At the end of the day, I couldn’t really care less if you click on our links (and remember we don’t use affiliate links for credit cards or bank accounts) – as long as you find this site helpful I’m a happy blogger. The absolute best part for me is that I’m continually learning thanks to readers correcting my mistakes, discussing why they disagree with my opinion and also tipping me off to deals.

If you really think my main motivation is money, I’ll do a post soon about some of the lucrative opportunities I’ve declined due to them not aligning with my moral compass and what this blog is all about.

P.S I also want to thank all of the other bloggers and communities in this space that do this for the right reasons and do everything they can to give their readers the best information possible.



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JamaicanReefer
JamaicanReefer

Just say it: We all have to have Chase Sapphire right now and you have the best $100 link 🙂 Thank you for the incredible job you do.

Alan
Alan

JamaicanReefer — Forgive my ignorance, but I am confused by your post. What “$100 link” is on this website for Chase Sapphire cards — and what makes it “the best”? Thank you in advance!

JamaicanReefer
JamaicanReefer

I’m sorry sarcasm doesn’t fly well in my writing. There are no posts here about this card and no links and I’m grateful for it. What makes it the “very best” is the amount of money its referral link pays. Therefore so much have been written about the same benefits again and again to match encyclopedia Britannica.

jay
jay

I honestly appreciate your work here William. Your blog has made it into my top five sites I visit every day. 🙂 I agree at the end its not about making money but Its more about passion of finding deals and helping other people. Similar to you I pass on the deals to my buddies who actually aren’t tech savvy yet are thrilled to save $$ whenever they can.

Keep up the good work and wish you more prosperity in future.

Quippy
Quippy

What are your top 5?

Nate8
Nate8

DoC is easily the best of the points/rewards blogs

Ben
Ben

I appreciate your sentiment. However, I couldn’t care less if you had affiliate links. You provide great information, and as long as that doesn’t devolve into just selling credit cards I would actually suggest you try to get affiliate links. I personally feel I’m a savvy enough player of this “Hobby” to weed through the BS and make my own decisions independent of what someone else says about a credit card. For that reason I’m a proponent of you making more money. I personally think Frequent Miler does this the best (though you’re blog topics are somewhat different)…I think he provides valuable content without inundating me with useless BS credit cards salesmanship. With that being said, between targeted offers and zombie links it’s fairly rare that I use anybodies affiliate links anyways.

Good luck to you and keep up the good work!

Oh and find us some more deals…I feel like you were slacking yesterday 🙂

Prasanna
Prasanna

Thank you for your contribution! I check your website everyday and please keep blogging.

AB
AB

I know this isn’t a request thread, but can you go back to covering more of those obscure cards on a weekly basis again? I found those posts interesting.

Jack
Jack

Just want to echo how great this blog is. It’s really the only churning site I need to read every day, and you have an incredible nose for finding other deals that are worth one’s time, like the Cosi deal that got me free lunch until I got tired of it, or the Expedia-Discover coupon, which I used to get a month’s worth of hotels for my vacation for just the cost of taxes. This blog has saved/earned me quite a bit of money, and I trust you more than all the other bloggers combined. Good stuff, and I hope you can keep it up.

Quippy
Quippy

This is a go-to blog in a space too often dominated by schills and weirdos. Once I visit Doctor of Credit, Frequent Miler and Travel Is Free, there isn’t much need to look anywhere else. Keep up the good work.

Jeff
Jeff

I want you to know that I used to read a dozen travel/points blogs daily when I first started MS and points collecting in 2013. Now, I read just a few (yours and ones you regularly interact with on Twitter). No reason to go to so many when you and your blogger buddies cover everything I would ever want to know.

Thank you for your time and effort. You’ve made a lot of people very happy.

Danny
Danny

I am a recent reader and I only found out about your site. I do have to say you do really provide some great information. I love how detailed your posts are and how you make it so simple. I’ve already taken advantage of many of the posts you’ve mentioned and it’s really changed the way I view things.

Thanks for all of the great work!

Giddy for Points
Giddy for Points

Thanks for all you do Will 🙂

JB
JB

What a coincidence. Just yesterday I was charged the AF on my BCP, marking the first anniversary of when I started using credit cards like poker chips. This blog has brought me to this point more than any other single source. Big thanks to Will, Chuck and the guest posters!!!

barrytuneup
barrytuneup

just to let you know I appreciate all you do!! You have helped me make lots of $$. Read your blog every day. Don’t know how you have the time for all this with a full time job. keep up the great work!

HORACE
HORACE

We are all richer — literally and figuratively! — because of your and your colleague’s endeavors on this blog. Many thanks for the great work you continually do in bringing information to the community!

Spencer
Spencer

Keep up the good work. Don’t feel the need to adapt to the other guys. We appreciate what you do.

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