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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.

Technology

Which Digital Storage Device is Best To Store Important Information?

October 10, 2016
By Brock Kernin
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Last week we viewed the proofs of my son's senior pictures. We determined the most cost effective action was to simply purchase all the digital images. It would give us the most flexibility and options in what we physically print, and may actually … [Read more...] about Which Digital Storage Device is Best To Store Important Information?

Frugality

Special Occasion Photography: Printed Photos or Digital Images?

October 5, 2016
By Brock Kernin
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My son had the traditional senior pictures taken a few weeks ago. Last night we had an appointment with the photographer to view the proofs and to decide what we wished to order. I don't know what the average person spends on senior pictures these … [Read more...] about Special Occasion Photography: Printed Photos or Digital Images?

Finances & Money

What is Peer To Peer (P2P) Lending?

October 3, 2016
By Brock Kernin
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I get junk mail almost every day from various financial institutions offering me consolidation loans for my credit card debt, but for some reason this one caught my eye. It was from a peer to peer lending company that I had read other bloggers using … [Read more...] about What is Peer To Peer (P2P) Lending?

Saving Money

3 Steps To Saving Money Making Your Own Buffalo Wings

September 30, 2016
By Brock Kernin
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Football season is here. For many, including myself, this time of year also means weekly gatherings of friends and family to eat delicious finger food while rooting on their favorite team. One of the most popular foods at football gatherings is … [Read more...] about 3 Steps To Saving Money Making Your Own Buffalo Wings

Saving Money

4 Ways To Reduce The Cost Of Your Annual Flu Shot

September 28, 2016
By Brock Kernin
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Leaves falling, school buses on the roads, and cooler temperatures are all signs that flu season is fast approaching. According to the Centers For Disease Control and Prevention, flu vaccinations prevented 1.9 million influenza-associated illnesses … [Read more...] about 4 Ways To Reduce The Cost Of Your Annual Flu Shot

Saving Money

How Much Can You Save Buying Store Brand vs Brand Name Products?

September 26, 2016
By Brock Kernin
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I'm a fan of store brand products, because I know that many times it's the exact same product as the popular brand name products, just with a different label. I saw it first hand when I worked at a cheese manufacturing plant in college. One minute … [Read more...] about How Much Can You Save Buying Store Brand vs Brand Name Products?

Finances & Money

If You Want A Better Life, You Have To Change!

September 23, 2016
By Brock Kernin
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After each mowing of my lawn, I trim around the house and the objects in the yard. This includes around a landscaping circle in the middle of my backyard that used to be the resting place of one of those large trampolines. We had put the landscaping … [Read more...] about If You Want A Better Life, You Have To Change!

Debt

September Update: $10,000 Debt Repayment

September 21, 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'll be utilizing every means necessary to do it, including: Reducing weekly spending Re-starting my mystery shopping side hustle Pick up extra writing … [Read more...] about September Update: $10,000 Debt Repayment

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