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.

Opinions expressed here are the author’s alone, not those of any bank or financial institution. This content has not been reviewed, approved or otherwise endorsed by any of these entities.

Recent Articles by Josh

Blackout Bingo Review: Is it Legit?

Blackout Bingo is a popular mobile game that pays money and prizes. This app offers free and paid bingo games. You can play in single games and also participate in tournaments with single or multiple cards. Our Blackout Bingo review will help you decide if this game is a legit way to earn extra income.

How To Get a Bigger Tax Refund: 7 Ways to Keep More of Your Money

No one wants to pay more taxes than what the government requires. Handing over more money to the IRS or your state's tax department makes it harder to achieve your financial goals. Here are some ways to maximize your tax credits and deductions to get a bigger refund.

Best Short-Term Health Insurance Plans for 2022

Medical treatment is incredibly expensive when you’re uninsured, making health insurance essential. Until you can get health insurance from your employer or a government marketplace, the best short-term health insurance can fill your coverage gap at a reasonable cost. While you won’t enjoy permanent health insurance benefits, these policies can cover doctor visits and emergency care for less than $100 per month.

Neighbor Storage Review: Rent Out Your Extra Storage Space

The Neighbor app lets homeowners lease their storage space to renters and make some extra cash. In addition, renters can find storage that might be cheaper and closer than a local self-storage unit. In this Neighbor Storage review, I show you how you can make money renting out your space.

Apps Like Earnin: 16 Earnin App Alternatives for 2022

Earnin is a popular fintech app designed to give you early access to your paycheck without a high-interest payday loan. Other features include low balance alerts and the chance to win free cash when you put money into savings. But Earnin isn’t the only app of its kind. Here are 16 other apps that provide similar features to Earnin.

Best Metal Credit Cards: Is There a Place for Metal In Your Wallet?

The whole idea of metal credit cards may seem unnecessary. However, if you're a fan of earning credit card rewards, you shouldn't overlook the potential benefits. After all, some of the best rewards cards have a metal exterior instead of plastic. Many of these cards earn more points on purchases and may include enhanced award travel perks.

What Happens When an Insurance Company Goes Out of Business?

What do you do if your insurance company goes out of business? Getting a refund isn’t exactly an option although you can still have coverage and file claims during this unfortunate event. The impact can be worse for life, long-term care, and disability policies. Here is a closer look at your options if your insurance company declares bankruptcy.

Best Places to Sell Gold: Where to Get the Best Price Online and In-Person

Your gold collection can consist of several different articles including jewelry, coins and bars. You may also have other items containing gold like watches and collectibles. No matter what form of gold you own, knowing the best places to sell gold will help you get more money as prices can vary wildly.

Kubera Review: Online Net Worth Tracking Made Easy

Online net worth trackers like Kubera make it easy to calculate your current wealth and plan your financial goals. Kubera can track your various investments and makes it easier for your beneficiaries and trusted contacts to manage your estate when that time arrives. Find out if Kubera is the right for you.

The Health Savings Account (HSA) Rules You Need to Know

A health savings account (HSA) is one of the best ways to pay for out-of-pocket medical expenses as there are several tax benefits. If you have, or are considering, an HSA-eligible health plan, it’s important to know the health savings account rules to maximize your savings.

When and How to Hire a Financial Advisor

A financial advisor can examine your finances and help you navigate through current and upcoming life events. Whether you want to take your finances to the next level or just get a second opinion on your investments a financial advisor can help you.

RebatesMe Review: Get Your $30 Sign Up Bonus

RebatesMe is an online shopping portal where you can earn cash back at some of your favorite stores. There is also a sign up bonus when you earn your first $10 in rewards. You can redeem your rewards for cash or gift cards.

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