My Online Income Report [October 2013]

This is going to be a weird income report, because while this is by far the worst month I’ve had in a long time, I’ve never been more excited about the future.

The fact of the matter is, most of the income I’m going to report here is from sources that I no longer put any time or effort into.  I guess this is passive income in its purest form, however I don’t view that as a good thing.

Wouldn’t you prefer $10,000 that you worked for vs. $100 you didn’t work for? I know I would (assuming it took a reasonable amount of time to earn the $10,000).

Allow me to explain why I’m so excited.

Good Times Ahead

The reason I’m ready to brush off October and keep pushing forward with excitement is thanks to a big project I’ve been working on.

If you’ve been reading this blog for awhile, you know that I’ve severely lacked focus in the past. I would start a new site, put in an initial burst of effort, and ultimately let the project die when the results are poor.

Although I’ve recently had aspirations to be a freelance writer, I realized that I first need to build a new platform where I’m extremely visible to blogs and website owners that could potentially be my clients. Also, I want a place where I can focus my time and effort during the time when I don’t have any active writing gigs.

This new project (I discussed my initial plans here) is going to be massive, and I can say this with confidence. This isn’t going to be a niche site that hides in the shadows of the internet. It’s going to be an epic source of information and inspiration – something that I think ALL readers of My 4-Hour Workweek will be interested in.  And don’t worry – all the details will be reported here when I launch.

I consider the income report below to be what remains from my “old approach” to earning an income online. It may bounce up and down randomly each month, but it’s probably not going to be a significant part of my future. Starting in 2014, after my new site launches and gains traction, I will expect income from that source to be the majority of my online income.

I didn’t actually do any freelance writing in October due to spending all my efforts on the new site. Although I made money from Textbroker last month, I’ve stopped including them here because I will no longer be writing for them.

As usual, InfoBarrel and Squidoo provide some pocket change each month. Maybe I can buy a coffee or two. :)

Freelance Writing Income – October

  • None!

Other Article-Related Income – October:


  • Amazon: $0.00
  • Revenue Sharing: $2.04


  • Revenue Sharing: $6.92
  • Amazon: $0.00

Total Writing Income: $8.96

This is a new part of my online income that I first included in last month’s income report because I thought it might interest a few people out there – turns out I was right!

I really play these daily fantasy football contests just for fun, but with a little strategy, it’s not hard to win money. So far this football season (we’re in week 10 now), I haven’t had a losing week.

If you have any questions about my strategy, please do leave a comment below or contact me, and I’d be happy to help you out.

For those who aren’t at all familiar with “daily” fantasy sports, but have played in the traditional (season-long) fantasy leagues, here’s the explanation I wrote last month:

The difference between the sites below and your traditional fantasy sports league, is that instead of drafting one team for an entire season, you can play in daily contests where you pick your team for a day (or week, depending on the sport) and compete head-to-head or against multiple people to see whose team can score the highest for that day.

Each person wagers a set amount (they have contests that are free and go all the way up to $200+ to enter).  Most of the ones I play are $1 or $2, but I’ll usually play in several contests on a Sunday (fantasy football is what I’ve been playing lately).

For example, last week I picked a team for a $2 contest, head-to-head against one other random opponent. The winner of the contest gets $3.60.  After picking a team I really liked, I was able to duplicate it across 10 similar contests against different opponents (so I had a total of $20 in play).

Each of the sites below has their own unique characteristics, which I why I play at all three sites each week.  I initially deposited $25 on each site, and have slowly been working up my balances through my winnings.

Disclaimer: Although similar to gambling, it’s actually legal.  I don’t advocate playing to earn an income, although it’s fun entertainment where you can make money if you know your sports well.  Here’s a note from one of the sites about why it’s legal:

Here are my net winnings (i.e. profit) for October:

Total: $36.87

If I had to pick my favorite site to play on, I would probably select Draft Kings or Fan Duel, however they are all good. The top earners on all of these sites make $50,000+ per month, but these are obviously people who wager significantly more money.

Lending Club

I really love Lending Club, and can’t wait until my fiancé and I are done saving for a house so that I can continue to invest more savings here.

As I mention each month, this is one of my favorite online passive income sources, because I believe it’s my only truly passive income source. What I mean by this is, once you select your investments (which only takes a few minutes), you sit back and collect the monthly payments which include a repayment of your initial investment + a relatively high rate of interest.

I’ve said it before, but I’ll say it again: Although I suspect the stock market is a better investment long term, it’s a lot riskier (which is why you’re compensated with higher expected returns). Investment in Lending Club loans, when done with a good strategy, can get you a great return (the average investor sees returns of 7%+…I’ve just been unlucky) without the same level of risk.

October was a good month, as I saw my net annualized return climb to 5.42% (+.11% from September), and I increased the number of loans I invest in, to 187 (+4 from September).

If you’re interested in trying Lending Club, you can sign up with this link and get a free account. I am an affiliate for Lending Club, so if you have any questions about it, I’d be more than happy to answer them in the comments (or feel free to contact me by e-mail).

If you’re unsure whether this type of investing is right for you, you can start with $25 and build from there.  I’ve said it many times before, but to really benefit from this form of passive income, you need to make several $25 investments not only to earn more interest, but to diversify as well.  One or two $25 investments isn’t going to make you a lot of money.

Prosper is another site where I invest, which is a social lending platform very similar to Lending Club.

The 4 loans that I originally invested in when I opened my Prosper account are still doing quite well.  As of right now, my rate of return is 13.16% (+1.12% from September).

This figure would lead you to believe that I’m doing much better here compared to Lending Club, but that’s a little bit misleading.  Because I only invest in 4 loans (vs. 187 at Lending Club), and none of them have defaulted, my rate of return % is going to be very high.

I think I still prefer Lending Club to Prosper, only because you have more flexibility in choosing investments, and there is more transparency overall.  I don’t think there’s anything wrong with investing on both platforms though; I will continue to do so.  If you’re interested, you can create a Prosper account here.

The niche site I created a few months back still barely receives traffic (0-5 visits each day), but its Amazon conversion rate continues to be amazing. As much as I’d like to spend the time to improve the rankings of this site, I don’t want to draw focus away from my main project.

Niche sites really aren’t a part of my future as I see it now, but at some point down the road, I may try to further optimize the ones I have and see if they’re worth keeping.

Here’s a summary of Octobers’s niche site earnings:

  • Amazon: $19.79
  • $0.00
  • Chitika: $0.00
  • InfoLinks: $0.00
  • Commission Junction: $0.00
  • Total: $19.79

Not much going on here, but I’ll continue to report the numbers each month.  When my new site is completed, I’m not sure if I want to stick it under “authority sites” or if it belongs in its own category.  It’ll be authority for sure, but it may deserve its own section in the income report, given how significant I expect it to be.

Authority Site #1 (Not Revealed)

This site is still inactive, but continues to earn a bit of money.

October Earnings:

  • $1.26
  • $1.78
  • Total: $3.04

Authority Site #2 (Slow Carb Diet Experiments)

October Earnings:

  • Amazon: $1.06
  • $0.45
  • Total: $1.51

Total Authority Site Earnings: $4.55

Here’s the breakdown for affiliate and other income earned during October.  [Note: This income comes from other sites not discussed/listed above, including affiliate sales generated through this blog.]

Total Misc. Affiliate Earnings for October: $183.66

Income Summary

Here’s a summary of October’s earnings, organized by category:

  • Freelance Writing: $8.96
  • Daily Fantasy Football Contents: $36.87
  • Niche Sites: $19.79
  • Authority Sites: $4.55
  • Misc. Affiliate Income: $183.66

Grand Total for October: $253.83 (-$205.67 from September)

These were my top 5 most popular blog posts in October based on number of views:

1) 142+ Ways to Make Money Online

2) Is CashCrate Legit? Here’s My CashCrate Review

3) My Online Income Report [September 2013]

4) Top Google AdSense Alternatives: Review

5) 5 Awesome Online Businesses and WHY They’re So Successful

How was your October?  Do you have any big projects in the works that you think will drastically change your online income?  Share in the comments!

If you enjoyed this income report, subscribe to the RSS feed (if you haven’t already) so that you don’t miss any future updates. Thanks!

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48 Responses to “My Online Income Report [October 2013]”

  1. I noticed that you really aren’t so active here on this blog and that is why the results are bad.
    You should also consider showing traffic stats. You could reveal your own traffic sources and attract more readers.

    Keep with working hard.
    Vukasin recently posted… FireProved Fridays Second Edition: Summary of all epic posts this week


    Eric G. Reply:

    Although I haven’t been super active here (at My4HWW), that really hasn’t been the reason my results are poor. It’s more due to all the OTHER projects that have failed.

    If anything, this blog has been my one “success” compared to other blogs/websites I’ve created. Thanks for the comment!


  2. This is what happens when you only work 4 hours a week. (smiley face)


    Eric G. Reply:

    I suppose you are right. :) Sadly, I work 40+ hours a week (at my “actual” job), and maybe only 1-2 hours a week on my online business. That’ll be changing soon though as I push forward with the new site I’m working on.


  3. I am impressed with your results. I also like how organized you seem to be. What’s your secret? Do you have a podcast. This is my first visit, click on an email you sent me called “My October 2013 income report” I like the fact you are not claiming 1,000 of dollars but just what you are actually making .. thanks i’ll check in again to see more!


    Eric G. Reply:

    Thanks Bob! I don’t have a podcast, but maybe one day…


    bobdak Reply:

    Can I suggest something IBM does (internet business they would just read their blog. Great to listen to on the way into work.


  4. Hey dude!

    These income reports are the worst, aren’t they? I’m at half of my earnings for October. November’s income report is gonna suck for me.

    Sorry to see CJ down so far. You should try to regain those rankings. Can you do a Squidoo, Rebelmouse, Youtube and minisite to regain those rankings? Right now I’m trying to gain at least 3 spots on page 1 for all of my top keywords. It makes a difference. Hit me up if I can help.

    Finally, you might check out The Pond. It is an underground group of internet marketers. Some of us make money full time in IM. 3 of the members are big in freelance (One of the big freelance guys in the industry just joined, actually)

    It’s $10 a month, but it has kept me abreast of the trends in the IM world.

    Good luck on the new endeavour. Authority sites still scare me. Can’t wait to see you succeed!


    Quinton Hamp Reply:

    Sorrym its if you want to check it out.
    Quinton Hamp recently posted… September 2013 Income Report


    Eric G. Reply:

    Hey Quinton – thanks for the comment!

    I appreciate the rank-increasing tips. Perhaps at some point I will work on the backlinking for my niche site that seems to convert well, but for right now, I think it’s important that keep “laser focus” on my upcoming launch.

    The Pond looks interesting – I’ll check it out sometime.


  5. I’ve followed you off and on for about a year, and one thing about it, you are persistent. Persistence is something a lot of people lack in life, and it’s a major reason people fail in life. I just wanted to say keep up the awesome work. People respect honesty, and that’s hard to find online these days. So thanks for being honest. Cheers!


    Eric G. Reply:

    Thanks David, I appreciate you keeping up with my blog despite the struggles here!

    Hopefully I’ll have better numbers to report in the near future. :)


  6. Hey Eric, I’m excited for the new site to launch. Sounds like an awesome project!

    The great thing about freelancing is you will have a better expectation of what you can make. The problem with niche sites and websites in general is the way the earnings can flip flop from month to month.

    Not to mention how a simple change in a Google Algorithm can effect your site.

    If you need any help on the new site or just a second set of eyes I would love to lend a hand.
    William recently posted… The Formula To The Perfect Blog Post


    Eric G. Reply:

    Thanks for the comment William. You’re definitely right about the downside of niche sites compared to freelancing.

    I’m excited to get started with it, but my primary focus right now is definitely on getting the new site launched.


  7. Hi Eric.
    I’m happy that you have a big project coming! I wish you the best of luck with that.
    On my side, the monthly online income is very low, but I have a big project that will start on January. I’m very excited about it : )
    Ricardo Caicedo recently posted… Tea Studio Matcha Genmaicha


    Eric G. Reply:

    That’s great, Ricardo – best of luck with your new project!


  8. Want to be a freelance writer niche website publisher? If I did here’s exactly what I would do:

    1. Choose a popular niche that you know something about and is popular with the IM crowd.

    2. Write and publish 50 KILLER articles forming the foundation for the niche site.

    3. Package up the 50 articles and sell as premium PLR.

    4. Create a Facebook page and promote niche site with that page.

    5. Do another 50 articles for the site – sell as PLR (after published on your site).

    6. Promote each post on Facebook – and maybe YouTube/Pinterest.

    This is kind of a cool model because you’re creating 2 businesses with the same effort – a freelance PLR biz as well as a big niche website.

    Why don’t I do this? I do in a roundabout way, but my focus is in my niche and generating traffic with social media. I don’t really aspire selling PLR, but any freelance writer can use PLR to build up a long-term biz … quality PLR is always in demand.


    Eric G. Reply:

    That sounds like a killer strategy, Jon, and something I probably should try out. I have an initial plan in place that I’m going to stick to for the time being, but this sounds like an awesome plan B if things don’t go well for me.


  9. Hi,
    I would like to ask you something but don’t know if I should post it here: When you first started, how long did it take you to hit a milestone in traffic? Eg. 50 visitors a day, 100 etc… Also how much time did you invest. I am the owner of a new site and I am working as hard as I can. I am a student but still try to find time to write at least 1 blog post a week. So far so good! Also, congrats on your earnings. Can’t wait for your new site!!!


    Eric G. Reply:

    Hey Kurt – the key is being consistent. It does take awhile to build up traffic, and unless you’re doing some serious SEO or are in a low competition niche (where you’ll “automatically” rank well for your target keywords), you need to do some networking with others in your niche to get traffic to your site.

    Try writing guest posts for other sites and commenting on sites that are similar to yours. That’s what I did to get my initial traffic inflow.


  10. Eric,

    I have been watching you grow M4HWW for quite long time.

    You have such a nice blog here and I’m sure you will making a huge impact on your business.
    My results in the last 30 days is little over $10K (affiliate income only from CB), Please don’t get me wrong, I see your question asking how people did last month, I’m just letting you know my experience, I’m not sure if you’re interested in what I’m talking about, but if you do, I would be more than happy to talk with you sometimes.

    You can reach me at: if you are interested or email with the email I commented with….
    Tony Nguyen recently posted… The instant guide for 9 good time management skills that really work available now!


    Eric G. Reply:

    Thanks for the comment, Tony. $10k over the past 30 days is awesome, congrats on that.


  11. I have enjoyed your monthly income report .

    It is so real compared to other report on the Internet.

    May I suggest you look at Forex Trading Strategies as one of the passive income source?

    You will never know what you are good at till you try out other solutions.

    Yours success.


    Eric G. Reply:

    Thanks, April. Not too interested in Forex trading right now… a bit too risky for my taste. :)


  12. Don’t give up, Eric. I’ve been doing this full time for almost five months and can’t get past $100 per month. :(

    I know it’s hard and painful, but when the going gets tough, the tough get going!
    Arthur Burlo recently posted… Saturday Update 18: Thoughts On Rejection, Domaining, Spam and Captcha


    Eric G. Reply:

    Thanks for the support, Arthur. I know if we keep at it, it’ll pay off eventually!


    Kent Chow Reply:

    Arthur, keep it up. It’s a journey and all it takes is learning and persistence!
    Kent Chow recently posted… Happy Thanksgiving 2012


  13. Hi Eric !
    I belong your blog for a time.
    I notice that your income in 2 months ago look not good.
    You have English base skill, so you will easier to write any post than me.
    And this is a good blog too.
    I think you should write more post and do some SEO for them.
    Hope to see your income grow up next month !


    Eric G. Reply:

    Thanks Nicolai!


  14. Eric, your business has been on a roller coaster ride this year! I know you have a plan to be a freelance writer but with regards to that strategy, why don’t you try to write your own books? Publishing books has been the best thing I’ve done this year! It works! My websites continue to drop in Google rankings but the publishing side of my business is what has brought me the most success. Just sayin’ you should try it! Rather than write for others, write for yourself!
    Harlan Yee recently posted… My October 2013 Income Report


    Eric G. Reply:

    Thanks for commenting, Harlan. I would like to publish my own books – in fact, it’s one of the ways I plan to eventually monetize the new site I’m working on.

    Just took a look at your income report too – although your income dropped in October, it still seems like you’re doing a great job diversifying your income sources. Best of luck in November!


  15. This is heat Eric keep it going man learning a TON from your anguish thanks 42 Billion for sharing.
    Darnell Jackson recently posted… Exclusive Interview with Valentine Belonwu the founder of


    Eric G. Reply:

    Thanks Darnell!


  16. Don’t sweat it man. Is your new site a niche-site idea? I’m looking forward to hearing about it!
    Josh May recently posted… The Goals you Set Today Could Change your Future Forever


    Eric G. Reply:

    Thanks Josh – it’s actually not really a nice site idea. I expect this to be bigger and broader. You see what I mean once I launch it. :)


  17. Eric, you are on right track and stay focus with your Freelance Writing Agenda next.

    Would I know why your “Commission Junction” income has been dropping these days? I was curious what it was and how could you keep it up?

    I had a pretty good month for Amazon Affiliate in Oct. I’m just working hard for Nov and Dec. I try to do 4 hour a week in the Fall only.
    Kent Chow recently posted… Happy Thanksgiving 2012


    Eric G. Reply:

    Hey Kent, thanks for the comment.

    My Commission Junction income seems to be dropping because I really haven’t actively promoted much on there lately. Also, certain sites that used to drive traffic to my affiliate links there no longer exist, so that also contributed to the drop in recent months.

    Glad to hear that your Amazon affiliate income was good for October. Hopefully November and December will be big months for you, with the holiday season and all. Best of luck!


  18. Hey Eric,

    It’s me Dionne, I have been following your blog for over a year now and I’m wondering how much traffic you actually get to your site each month?
    Dionne recently posted… Giving to NOT Receive.


    Eric G. Reply:

    Hey Dionne – it varies quite a bit, but it’s typically 8,000-15,000 unique visits a month.


  19. Thanks for introducing prosper i have created account here and will follow as you said this post was something like wow and informative.


  20. Your online earnings have been going downhill during the last months, though you still keep your hopeful attitude, I like that!


    Eric G. Reply:

    Thanks for the comment, Mbarka!


  21. wow…keep it up man….


    Eric G. Reply:

    Thanks Akshay!


  22. Thanks for the inspiration!! Waiting for your further achievements!!!


    Eric G. Reply:

    Thanks Amey!


  23. Hi,
    i read the post,but i think you generate low income from infolinks,i am also facing same problem,infolinks cant produce good amount for me :(


  24. Keeps doing your best. No matter the result I like the way you blogging


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