Josh Patoka


Josh Patoka

Josh has been a personal finance writer since 2016. His prior professional experience includes being a transportation operations supervisor for a S&P 500 company.

He has paid off $80,000 in consumer debt and uses his experience of getting out of debt and changing careers to write about many personal finance topics including making money, saving money and investing.

Although it’s a story for another day, Josh took a nine-month hiatus from full-time employment to build his house with lots of “sweat equity” and scouring Craigslist deals.

Today, he tutors and writes about most things personal finance for several online publications.

In his free time, you can find Josh spending time with his wife and children or reading a non-fiction book.


10 Best Robo-Advisors in 2019

Many of us know that we need to invest to save for retirement and other large expenses. But a lot of people don’t invest because they either don’t know how or don’t have the time. That’s where robo-advisors come in. The best robo-advisors help...

7 Best Credit Monitoring Services in 2019

With so much of your personal financial data online, it’s only a matter of time before someone with bad intentions steals your information. Even if you do “all the right things,” it’s still likely that a data breach at an organization you’ve given...

37 Amazing Work From Home Jobs in 2019

There are a variety of jobs that can pay you to work from home and they can all pay at different intervals. None of us enjoy doing work and not knowing when we will get paid for it. After all, that can be the classic sign of a scam, and, sometimes we...

10 Best Prepaid Debit Cards in 2019

Prepaid debit cards have been around for a while, and they’re another financial tool you may find valuable. For some people, a prepaid card is an alternative to a checking account. You can have your pay direct deposited onto the card, and then use it to...

30 Easy Ways to Make Money in College

As a college student, you may often find yourself strapped for cash. Chances are you have some spare time to earn money in between managing classes and a social life. Thankfully, there are many possibilities to make money in college. It's even possible...

Make Money Delivering For Amazon Flex: Requirements and Review

So you want to make money driving your car but you don’t want to carry people? What about delivering packages instead? Amazon Flex is a flexible side hustle that pays you to deliver packages in your free time. If you don’t mind driving your car to...

27 Easy Ways to Get Free Gift Cards in 2019

One of the most flexible and valuable spending tools is gift cards. They are the next best thing to getting actual cash. And, as digital wallets become more prevalent and we use cash less frequently each year, gift cards are becoming a more common...

Swagbucks Review 2019: Is It a Scam or Legit?

Do you want to make money online? Swagbucks is one of our favorite side hustles! You can get paid for completing a whole gambit of online activities. In this Swagbucks review, we help you decide if Swagbucks is worth your time. You will also learn how to...

7 Easy Ways to Get Cheap Razors

Here’s a common myth: Shaving is expensive. Thankfully, there are ways to get cheap razors that can leave a close shave without paying high-end razor prices. And you can spend less than continuing to buy refill cartridges for your Gillette or Schick...

33 Ways to Get Paid to Play Games Online for Free

Remember when playing video games was considered a waste of time? These days, you can put those hours to good use and actually play games for money, and it doesn't even matter if you're not much of a gamer. Learn how to make extra money in your spare...