Photo by Nick Morrison on Unsplash

By Tom Twardzik

You have a lot to say. You are smart and informed and you have a message or a story that will change people's lives. You've told your friends but this story calls for a large audience. You deserve to share it but you need a place where it can thrive. This is the time to start a blog, to build a home for your stories that will showcase them exactly how you want. There are many options and most of them are free. So which are the best platforms to host your blog? The nominees are…


Wordpress

Wordpress is the obvious choice and, if you've spent much time on the internet, it probably leaped into your mind first. The quick facts: it's free; it has a huge audience (over 300 million); and it powers more than seventeen percent of websites on the internet. That's a significant percentage of the global internet running through Wordpress's servers and an enormous pool of people who might see your post. Of course, that's no guarantee that anyone will read a given post—sharing and marketing blogs are topics for another story. But it is quite an advantage for a beginning blogger.

Wordpress is as free as basically any other platform: that means it's free to write, to use beautiful themes, to publish and to use all of the features most amateur bloggers will need to tell their stories. If your blog takes off, $4/month is a small fee for a custom domain name, 6GB of storage space and an ad-free blog. And if you go professional, you can upgrade to the Premium tier ($8/mo.) for advanced social features and monetization options or the Business tier ($25/mo.) for limited storage, an ad- and Wordpress brand-free blog and many other tools.

Basically, Wordpress is the general, go-to platform for anyone from beginners to small businesses with plenty of free features and enough, affordable premium tiers for most other needs.

Download the Wordpress apps for desktop, iOS or Android.


Blogger

The next best platform for most people is Google's Blogger. Google offers a simple start-up process, many nice, free themes and Google Apps integration. Because of this, it carries over the 15GB of storage from your Google Drive account, which means more free storage space than you would get from Wordpress for almost $100 per year. Blogger is simpler because it has fewer customization options than Wordpress. That means it's a faster process (with less decision-making) from conception to publication but it also means less personalization for those interested as much in the aesthetics of their blog as the writing.

Blogger does not have a premium tier: it's completely free, so what you have at the start you have for all time. This will be great for some and unsatisfactory for others, so be honest about your plans for the blog before you commit to Blogger. It also doesn't seem to have an iOS app or a desktop app, so if mobile blogging is important to you, this might be a problem.

Download the Blogger app for Android.


Medium

Medium is the writer's blog platform. Medium bloggers are not selling things; they are sharing stories and responding to the writing of others. Medium is entirely free to use for authors (it added a Members subscription this year for $5/mo. but it only affects how you read Medium posts) and it is focused on a simple, words-first presentation. You'll get to title, tag and add media to your post but beyond that, there is very little customization. There is no "blog" or webpage to design; writers (who are not publications) simply have profiles with their articles and the other things you'd expect: a profile picture, a list of what the author has liked ("clapped") and a list of their highlights from other articles. Medium is about reading and writing and not much else. If that sounds perfect to you (as it does to me), then you are undoubtedly the target Medium user. If you think you'll want more social features, a custom blog page or more detailed statistics, Wordpress is the way to go.


Postleaf

There is another option that lies apart from this list of blogging companies: it is called Postleaf and it is a completely free, open-source blogging platform that, because you own it, is totally customizable. However, it's bragging point is its utter simplicity. And the feature it brags about most excitedly is inline editing. This means that the post, as you type it, looks exactly like it will when it's published.

Its simple design does not equal a lack of features: it offers "Zen Mode" to focus on the text you're writing; it allows third-party widgets to be easily embedded. And it automatically generates SEO-compatible meta-data that go into those cute preview cards in your Facebook or Twitter feed. It has a file manager, uses dynamic images so an author doesn't have to resize images for four different screen sizes and lets you tag posts to keep them organized.

The installation process involves some coding words that might be intimidating for first-time bloggers and requires a web server. But you can try a demo right on the Postleaf website. Unlike an app, you'll have to download Postleaf's code to install it. But if you're looking for a completely different blogging experience and you're willing to work through a potentially-steep learning curve, go ahead and give it a try.

Download the code for free from GitHub.

Whichever platform you choose, don't get lost in the setup or formatting process. Your story is the reason that you're starting a blog and the words of that story should be the centerpiece. So go, write and share you story with the world.


Tom Twardzik is a writer covering personal finance, productivity and investing for Paypath. He also contributes pop culture reviews for Popdust and travel writing for Journiest. Read more on his website and follow him on Twitter.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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