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Clever Dude Personal Finance & Money

Clever Dude Personal Finance & Money

Family, Marriage, Finances & Life

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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.

Frugality

How Much Does A Thanksgiving Turkey Cost?

November 21, 2016
By Brock Kernin
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I looked at the turkey I had just put in my cart and wondered if I was about to overpay for the centerpiece of my Thanksgiving feast. An estimated 46 million turkeys will be sold in the United States to be served on Thanksgiving Day, being sold at … [Read more...] about How Much Does A Thanksgiving Turkey Cost?

Saving Money

Never Pay Full Price For A Sirius/XM Satellite Radio Subscription

November 18, 2016
By Brock Kernin
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I've been a Sirius (now Sirius/XM) satellite radio subscriber for several years, and I've never paid full price for their service. When we first joined we received a new customer promotional rate. Whenever our subscription was about to expire, we've … [Read more...] about Never Pay Full Price For A Sirius/XM Satellite Radio Subscription

Finances & Money

November Update: $10,000 Debt Repayment

November 16, 2016
By Brock Kernin
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In June I announced my mission to pay off $9,888.00 in debt by the end of the year. I'm utilizing every means necessary to do it, including: Reducing weekly spending Re-starting my mystery shopping side hustle Pick up extra writing jobs … [Read more...] about November Update: $10,000 Debt Repayment

sad people, emotional spending, retail therapy

Behavior

Do Sad People Spend More?

November 14, 2016
By Brock Kernin
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Retail therapy is defined as shopping for the purpose of improving one's mood and/or perspective on the world around them. Or in other words, people go shopping believing that they will feel better after purchasing some new material items. However, a … [Read more...] about Do Sad People Spend More?

Cook At Home

How Much Can You Save By Making Your Own Breakfast On Vacation?

November 11, 2016
By Brock Kernin
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My wife scored a great deal on a two room suite with a full kitchen at a hotel with an indoor water park for a quick weekend getaway. We've been to this hotel several times, and I vowed never to eat another meal inside the water park. The on site … [Read more...] about How Much Can You Save By Making Your Own Breakfast On Vacation?

Ways My Wife Saves Us Money

Ways My Wife Saves Us Money: Following Businesses On Facebook

November 9, 2016
By Brock Kernin
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This weekend I'm headed to our favorite nearby water park location with my wife, my son and several of his friends. It's the end of the first quarter of the school year and my son is doing exceptionally well, so we wanted to do something to recognize … [Read more...] about Ways My Wife Saves Us Money: Following Businesses On Facebook

budgeting

A Tweak To Grocery Shopping That Could Save Your Budget!

November 7, 2016
By Brock Kernin
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If you're going to successfully navigate the minefield that is personal finance, one of the things you must be is flexible. You have to be able to recognize when something is not working quite right and tweak your methodology. I recently ran into … [Read more...] about A Tweak To Grocery Shopping That Could Save Your Budget!

Frugality

Stay Busy, Save Money!

November 4, 2016
By Brock Kernin
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The first quarter of the current school year ends next Thursday, with no school on Friday. My wife happened to notice that the hotel we frequent yearly in an area with many outdoor and indoor water parks was running a crazy sale for that same … [Read more...] about Stay Busy, Save Money!

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