Josh Patoka


Josh has been a personal finance writer since 2016. His prior professional experience includes being an transportation operations supervisor for an 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 outlets.

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


12 Best Online Mortgage Companies in 2019

One way to save money when buying a home is by getting a mortgage online. You can quickly compare the best rates from online mortgage companies. Then you can begin the pre-approval process to make a serious offer on your dream house. Getting a mortgage...

21 Best Companies to Consolidate Your Credit Card Debt

Refinancing credit card debt is one of the best steps you can take to get out of debt. Chances are, your credit cards have a high interest rate. By refinancing to a lower interest rate, more of your monthly payment goes to the balance instead of the...

LendingTree Review 2018

Whenever you need to apply for a loan, you should always compare offers from several lenders to see who offers the best interest rate. But contacting multiple banks takes time. And you might have to speak with a loan officer just to get a quote. So, is using...

How Much Does Term Life Insurance Cost?

Term life insurance is a financial product that pays a benefit if you die during a specified time period, also known as a “term.” It’s intended to fill a financial gap for your beneficiaries when you pass away. Term life insurance is different from...

GrabPoints Review

Online surveys are a quick way to make small amounts of cash online. GrabPoints is a legitimate site that pays you for surveys and other online tasks. But, is this the best online side hustle for you? This GrabPoints review shows you all the...

15 Best Money Management Programs in 2019

All of us can use a little help managing money better. The best money management software programs provide that “second set of eyes.” Knowing how you spend your money is the first step to becoming a money boss. Many of these money management...

How to Cancel DirecTV and Still Watch Your Favorite Shows

If you subscribe to DirecTV, chances are you’re paying more than $100 a month. After all, four of DirecTV’s six plans charge more than $100 monthly. And the average U.S. pay-TV service is $107, according to an annual survey by the Leichtman Research Group...

30 Easy Ways to Make Money in College

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

Stratus Review 2018: Free Budgeting Tool to Manage Your Money

We can all use a little help managing money from time to time. But, is it possible to get quality personal advice for free? That’s exactly what Stratus tries to do. Stratus is a free budgeting tool that helps you track your spending, make spending...

33 Best Christmas Gifts for Men in 2018

Buying Christmas gifts for men can be difficult at times. After all, they can only have so many pairs of jeans, sports apparel and candy. You know, those tried and true gifts he already loves and uses each Christmas. Sure, he'll be happy with these gifts....