Josh Patoka

Josh is a personal finance writer and Founder of MoneyBuffalo.com. He has been featured in publications like Student Loan Hero, Well Kept Wallet and the US News and World Report.
27 Articles

How to Improve Your Credit Score in 6 Months

You checked your credit score expecting good news, and instead you got

Josh Patoka

How to Teach Kids About Money at Every Age

Your five-year-old asks why you cannot just get more money from the

Josh Patoka

How to Handle Debt Collectors Legally and Confidently

The phone rings from a number you do not recognize, and your

Josh Patoka

How to Build a Budget as a Couple Without Fighting About Money

One of you wants to track every dollar. The other would rather

Josh Patoka

Passive Income Ideas: 12 Realistic Ways to Earn $500 Extra Per Month

An extra $500 a month covers a car payment, a chunk of

Josh Patoka

Credit Card Mistakes to Avoid When You’re Trying to Get Out of Debt

You finally committed to paying off your credit cards. You made a

Josh Patoka

5 Debt Payoff Mistakes That Keep You Stuck Longer

You have been making payments for months, maybe years. The balances move,

Josh Patoka

How Long Does It Take to Pay Off $30,000 in Credit Card Debt

You added it all up last night, and the number was bigger

Josh Patoka

Should You File for Bankruptcy? What to Consider Before You Decide

You have run the numbers more times than you can count. You

Josh Patoka

Balance Transfer vs. Personal Loan: Which Saves You More Money

You pulled up your credit card statement, saw the interest charge line,

Josh Patoka

Debt Avalanche vs. Debt Snowball: Which Payoff Method Is Right for You

You've decided to get serious about paying off debt. You know you

Josh Patoka

The Working Adult’s Guide to Getting Out of Debt on Any Income

You've been meaning to tackle the debt. You know the balances. You've

Josh Patoka