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.


GrabPoints Review

Online surveys are a quick way to make small amounts of cash on the internet. 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...

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...

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....

17 Best Mortgage Refinance Companies in 2019

Refinancing your mortgage is one step you can take to reduce your monthly spending. With the best mortgage refinance companies, you can get out of debt faster. With interest rates on the rise, now is a good time to refinance. The sooner you refinance, the...

61 Best Toys for Christmas in 2018

Buying gifts for children can be both extremely easy and hard at the same time. That's because there are so many excellent options. Are you still looking for the perfect gift to put under the tree for your children? If so, we will quickly help you spot the...

12 Best Online Checking Accounts in 2019

Some people don’t bank online because they want to keep a checking account with a local bank branch. The problem is, some brick-and-mortar checking accounts come with hefty fees. When the fees don’t justify the benefits, it’s time to switch. The best...

35 Places to Sell Used Furniture Quickly (Locally & Online)

Furniture is a household item we regularly replace. In most cases, it's because our family's needs or our decor styles change. Many times, the furniture you are replacing is still in good shape.  And selling it can be an easy way to earn a small sum...

15 Best Auto Insurance Companies in 2019

Most American households own a car. One expense you can’t avoid is auto insurance. In several states, you must carry insurance or pay a fine. There are many auto insurance companies to choose from. But, your monthly premium can vary widely and the customer...