On my first month, I did the "30hubs in 30days" challenge. It was really difficult and towards the last few days, I was banging my head on the wall. lol But I finished it and it was such an accomplishment for me. It was a good motivator to keep on writing. Why do you want to avoid Hub Karma? I don't think you can avoid Hub Karma as it always appears after you published a hub suggesting links. They are just suggested links to keep the readers in Hubpages. I try to write at least one hub every week, or more depending on how busy I am. But the more hubs you write, the better chance you have in earning more money here in Hubpages. Here is the link to the HubChallengers forum, you might want to go there and take a look. Good luck!