Newbie affiliate marketer looking for help

Hi Everyone,

As you can tell, I am new here and I've bee doing alot of research and reading to get a better understanding how things works. One of the first step that i've been advise is to find a niche.

After brainstorming for almost a day and did a few keyword search via google keyword tool and most of my hobbies and interest are very competitive. I've finally found a niche that is not so competitive the question i have is this

1. I've decided to start a website/blog about managing credit cards.
2. However the niche keyword i am trying to target only get 9k of searches every month.
3. My plan to begin with was to have some adsense going and offer a free cashflow management tool (excel) that i use myself if they sign-up (building list).
4. Later on i'll probably find a related affiliate product or wirte an ebook.

I am not sure if the plan of attack is a good one especially the monthly search is only 9k a month. Is that a good niche to target?

Any help is appreciated and as you can tell, i am struggling in finding my niche. I am good with Wordpress and website development and started the following a few weeks ago

itservicesaustralia.com
extratweets.com
tweetjunction.com

However i still need help with ideas on what i can do with itservicesaustralia and tweetjunction and i'll start another trend about it.

Look forward to any comments and help

Regards,
Jonathan