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Clever Dude Personal Finance & Money

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Brock Kernin

Brock Kernin is a software engineer and personal finance writer who paid off more than $100,000 in credit card debt through disciplined budgeting and debt-management strategies. Drawing on that experience, his BA degree and years of practical writing, he contributes clear, actionable money guidance to CleverDude focused on everyday financial decisions, frugal living, and long-term stability.

What Would You Do?

What Would You Do? Money Left Behind in the Self Checkout Lane

September 13, 2023
By Brock Kernin
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The subject matter I post here at CleverDude falls on the lighter side of personal finance, but today we're going to tip the scale even a little further and have a little fun based upon an experience I had at Walmart over the weekend. I'm a … [Read more...] about What Would You Do? Money Left Behind in the Self Checkout Lane

Customer service gauge on a computer screen with Help and Assist labels

General

Would You Boycott a Business for Bad Customer Service?

August 6, 2023
By Brock Kernin
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  I love Subway, but there's one location that I won't visit again, ever. A while back, my wife had ordered a Subway party sub for my birthday. When my wife picked it up, she immediately noticed that it was made with the wrong type of … [Read more...] about Would You Boycott a Business for Bad Customer Service?

budgeting

Slush Fund: The Missing Piece Of A Successful Personal Finance Strategy

August 5, 2023
By Brock Kernin
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Successfully managing your personal finances usually includes some sort of budget or spending plan, and an emergency fund. But that may not be enough. There may be another aspect that could be useful in helping a person get the most out of their … [Read more...] about Slush Fund: The Missing Piece Of A Successful Personal Finance Strategy

Patio heater standing in an unfinished garage

Saving Money

Want a Discount? Just Ask.

July 27, 2023
By Brock Kernin
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  I've read that people in the Midwest live longer because the optimism that the change in season brings. I don't know about the living longer part, but I know that after some time of enjoying the current season, I'm always looking forward to … [Read more...] about Want a Discount? Just Ask.

Reward Programs • Time Management

Review: National Consumer Panel – A Total Waste of Time

July 27, 2023
By Brock Kernin
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About ten years ago I applied to and was accepted into a program by National Consumer Panel lured by the prospect of earning great prizes in exchange for a little bit of my time each week. Who doesn't like great prizes? I would use a scanner … [Read more...] about Review: National Consumer Panel – A Total Waste of Time

Mortgages

How Much Income Do You Need To Afford a Million Dollar Home?

July 23, 2023
By Brock Kernin
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One of the measuring sticks that many people use to determine if they are successful is the value of their home. Being able to say, I can afford a million dollar home, is a milestone that many would agree in saying represents success. The question … [Read more...] about How Much Income Do You Need To Afford a Million Dollar Home?

General

4 Things You Need To Know About Prepaying For Gas

July 16, 2023
By Brock Kernin
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Being from a rural area of the Midwest, traveling to other parts of the country exposes me to alternate ways of doing things. During a long car trip with my family, I learned all about prepaying for gas. I use cash as often as I can, so when I … [Read more...] about 4 Things You Need To Know About Prepaying For Gas

Frugality

Is Filling Helium Balloons Yourself Cheaper?

July 16, 2023
By Brock Kernin
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Helium balloons are a great party decoration that adds pizzazz to an event. They come in specialty shapes and themes, numbers, letters, and of course the traditional round shape in every color imaginable. If you've ever purchased helium balloons for … [Read more...] about Is Filling Helium Balloons Yourself Cheaper?

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