Hi Nelnehal
Financial help sites can do very well. The competition is kinda heavy, though but that doesn't mean you can't break through it with a useful site. I know of a lady named Debs who owns debtsteps.com and her site is doing very well. She focuses on helping people get out of debt.
If you go with a Blog I recommend WordPress. Get a host like
www.hostgator.com that allows you to install it easily through cpanel. There are tons of customizable templates and it's very powerful. Blogger is good too. Very easy to setup and you can customize the template like you can with WordPress.
You can get traffic without paying for it with a lot of hard work and great content. Most of the traffic I generate to my sites is free through Google, Yahoo, Live, Ask, etc. Read
www.selfpromotion.com for info on how to get traffic.