Josh Patoka

After graduating in $50k with student loans in May 2008 from Virginia Military Institute with a B.A. International Studies and Political Science with a minor in Spanish (I studied abroad in Sevilla, Spain for 3 months), Josh decided to sell his soul for seven years by working in the transportation industry to get out of debt ASAP and focus on doing something else with a better work-life balance.

He is a father of three and has been writing about (almost) everything personal finance since 2015. You can also find him at his own blog Money Buffalo where he shares his personal experience of becoming debt-free (twice) and taking a 50%+ pay cut when he changed careers.

Today, Josh relishes the flexibility of being self-employed and debt-free and encourages others to pursue their dreams. Josh enjoys spending his free time reading books and spending time with his wife and three children.

Recent Articles by Josh

How to Get Free Money on the Cash App

There are a few legit ways to get free money on the Cash App. In fact, you can earn $5 by signing up with our new user referral code, ZBJVLJJ, and sending at least $5 to a friend. You can also earn debit card shopping boosts and enter social media giveaways.

Positivly Review: Customized Financial Advisor Recommendations

Positivly is an online platform that can help you find personalized financial advice. The service offers a free financial personality quiz and can use your results to pair you with a compatible financial advisor. It's worth a try if you want a second set of eyes on your portfolio and want hands-on help with values-driven investment strategies.

How to Read Stock Charts

Stock charting may seem unnecessary or time-consuming for non-professional investors. However, basic chart reading skills can help any investor wanting to buy individual stocks or ETFs. You don’t have to know what a “head and shoulders pattern” or a “cup and handle pattern” is to start using charts.

Best Credit Repair Software for 2021: Consumer and Business

Credit repair software can help you correct errors on your credit report, assist with creditors, and provide education that will allow you to improve your credit as quickly as possible. Repairing damaged credit can be stressful and expensive. Investing in credit repair software can provide the help you need to clean up your report.

26 Games that Pay Real Money

Mobile games are a fun activity in your free time. Unlike the very first phone games such as Snake or Tetris that were for entertainment only, many game apps pay real money today. From arcade games to trivia, you can have fun and make money in your spare time.

Pinecone Research Review: More Money for Surveys

Anyone who wants to make money online with surveys should consider Pinecone Research as each survey earns $3 with a time investment of 20 minutes. The platform can be a good option for enthusiastic survey takers looking to boost their side hustle income too.

Toluna Review 2021: Make Money with Online Surveys

Toluna can be one of the most exciting ways to make money with online surveys as you can choose from many topics. But the redemption options are relatively limited for gift cards and the cash redemption minimum is high.

5% High Interest Savings Accounts – Earn up to 5% or More

With interest rates so low it's tough to find savings accounts that pay even 1%. However, there are several options to earn more interest on your deposits. Some require you to jump through some hoops, such a certain number of transactions per month, but not all.

25 Online Jobs for Teens in 2021

There are many online jobs for teens that can match almost any interest or work schedule. These opportunities can provide more options than many local areas and the extra money can be useful for hanging out with friends or for the future.

Yieldstreet Review 2021: Easy Access to Alternative Investments

Physical assets are becoming a popular investment hedge so that you don't have your entire investment portfolio in the stock market. But investing in tangible assets can be difficult and expensive compared to buying stock and bond index funds.

Yieldstreet can simplify investing in alternative assets including art, real estate, and business contracts.

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