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.
17 Articles

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

A Beginner’s Guide to Building a Budget That Actually Works

You've told yourself you'll "get serious about money" more times than you

Josh Patoka

What Is a Sinking Fund (and How to Use One to Stop Going Into Debt)

You planned for the mortgage. You planned for groceries. And then the

Josh Patoka

What Is Debt Settlement (and Why It’s Riskier Than It Sounds)

You've probably seen the ads. "Settle your debt for pennies on the

Josh Patoka

What Is a Zero-Based Budget (and How to Build One)

You open your banking app at the end of the month, and

Josh Patoka

What Is the Debt Avalanche Method (and How to Get Started)

You've been making payments every month. You're not missing due dates. You're

Josh Patoka

How to Rebuild Your Credit Score After Bankruptcy

You filed for bankruptcy. Maybe you've been dreading this moment for years,

Josh Patoka

How to Talk to Your Partner About Debt Without Fighting

You've been meaning to bring it up for weeks. Maybe months. The

Josh Patoka

How to Negotiate a Lower Interest Rate with Your Credit Card Company

You made your payment on time again. You've been doing everything right.

Josh Patoka

A Wealth Manager’s Insider Tips for Building a Successful 7-Figure Business

Building wealth can be tricky. Anyone stuck in a 9-to-5 has probably

Josh Patoka

Tips to Finally Land Your Dream Job This Year

Finding your dream job can sometimes feel like a daunting puzzle with

Josh Patoka