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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.

budgeting

How To Build A Budget Series Step 4: Reducing Spending

September 19, 2016
By Brock Kernin
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Last week Clever Dude featured a series of posts all about building a plan for your money. I can't promise that it will be THE solution for someone struggling to find a way to manage their finances, but it's at least a guideline that can be used as … [Read more...] about How To Build A Budget Series Step 4: Reducing Spending

budgeting

How To Build A Budget Series Step 3: Creating A Proactive Spending Plan

September 16, 2016
By Brock Kernin
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This is the third part in a series of posts about creating a budget. In the previous two posts we have: Created a calendar that showed our income stream vs. our monthly expenses, how to calculate what is left over, and discussed defining a … [Read more...] about How To Build A Budget Series Step 3: Creating A Proactive Spending Plan

budgeting

How To Build A Budget Series Step 2: Tracking Spending

September 14, 2016
By Brock Kernin
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This week here at CleverDude we're talking about how to build a plan for your money. I'm describing how I manage my finances to provide a blueprint of how to get started getting your finances back on track should you be struggling, or if you're … [Read more...] about How To Build A Budget Series Step 2: Tracking Spending

budgeting

How To Build A Budget Series Step 1: Tracking Income and Monthly Expenses

September 12, 2016
By Brock Kernin
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Having a plan for your money is a must if you are to successfully manage your finances. A general contractor wouldn't dream of building a home without blueprints, an engineer wouldn't think of building a new computer chip without a schematic, and … [Read more...] about How To Build A Budget Series Step 1: Tracking Income and Monthly Expenses

Behavior • Frugality

Never Buy Another Set Of Headphones

September 9, 2016
By Brock Kernin
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It happened again as I was walking from the weight room to the water fountain. I heard a crackle, and suddenly the sound from my right earbud was gone. Despite my best efforts of wiggling the cord and unplugging and plugging the headphones into my … [Read more...] about Never Buy Another Set Of Headphones

Creating Ways To Earn Money

The Best and Worst Secret Shopping Jobs

September 7, 2016
By Brock Kernin
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Being a secret shopper is a great way to make a little extra cash on the side without a lot of effort. Secret shopping jobs come in a variety of shapes and sizes from $4 to make a phone call to a car dealership to a free pair of glasses worth … [Read more...] about The Best and Worst Secret Shopping Jobs

Clever Dudes Are Self Reliant • Self Improvement

MyFitnessPal : A Completely FREE Weight Loss Tool

September 5, 2016
By Brock Kernin
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Diets, personal trainers, gym memberships and weight loss programs all cost money. While the amount may vary, none of them are inexpensive for several reasons: There is a lot of science and research behind reputable programs The training and … [Read more...] about MyFitnessPal : A Completely FREE Weight Loss Tool

Consumer Beware

Consumer Beware: Your Floral Order May Cost 2X What You Expect

September 2, 2016
By Brock Kernin
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The price tag of a product or service tells consumers how much they will have to pay if they choose to make a purchase. If only it was that simple. I've ordered flowers before, and I knew exactly what I was about to experience, but it always amazes … [Read more...] about Consumer Beware: Your Floral Order May Cost 2X What You Expect

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