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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.

Saving Money

Gas or Charcoal; Which Type Of Grill Is Cheaper To Use?

August 10, 2016
By Brock Kernin
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Every backyard chef has their preference between using a gas or charcoal grill. There are opinions about whether food cooked over charcoal tastes better, or if the convenience of gas makes that variety of grill superior. These opinions are all … [Read more...] about Gas or Charcoal; Which Type Of Grill Is Cheaper To Use?

Spending

Cash Vs. Convenience

August 8, 2016
By Brock Kernin
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I tried something a little different this weekend, attempting to spend only cash.  I found that sticking to cash only spending can be difficult, as temptation to ditch the greenbacks in my wallet in favor of swiping plastic can rear it's ugly head at … [Read more...] about Cash Vs. Convenience

Financial Education

How Does Cosigning For A Loan Affect Your Finances?

August 5, 2016
By Brock Kernin
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The phone rang, a family member was on the other end. A favor was needed. Her car had broken down, and wasn't worth fixing. She needed a new car, but was fresh out of college and lacked both the cash to buy a car outright, and the credit to finance … [Read more...] about How Does Cosigning For A Loan Affect Your Finances?

Finances & Money • Financial Education

What Is Out Of State Tuition and How Can You Avoid Paying It?

August 3, 2016
By Brock Kernin
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My son will be starting his senior year of high school in just a little more than a month. The potential of his future is beginning to unfold before him. After visiting some college campuses, he's weighing his options to determine where he will … [Read more...] about What Is Out Of State Tuition and How Can You Avoid Paying It?

Frugality

Can You Save Money With Dollar Shave Club Razors?

August 1, 2016
By Brock Kernin
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Before each weekly trip to buy groceries and household goods, I ask each family member if they have any wants or needs. When I did this before this past weekend's shopping excursion, my son answered me with two items; Toaster Strudel and razor … [Read more...] about Can You Save Money With Dollar Shave Club Razors?

Parenting

4 Steps You NEED To Do When Preparing A High School Student For College

July 29, 2016
By Brock Kernin
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It's been a long time since I've thought about college. But with my son preparing for his senior high of high school, my wife and I are once again thinking about college applications, scholarships, and whether it's better to live on or off … [Read more...] about 4 Steps You NEED To Do When Preparing A High School Student For College

Finances & Money

Is Your Garbage Bill Negotiable?

July 27, 2016
By Brock Kernin
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You have to periodically reevaluate all your monthly bills. You just have to. Whether it's shopping around for a new insurance company, investigating what new mobile phone plans are available, or renegotiating a discounted package with your cable … [Read more...] about Is Your Garbage Bill Negotiable?

Saving Money

Movie Night: How To Have More Fun AND Save Money!

July 25, 2016
By Brock Kernin
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Movie tickets are expensive enough, but add in popcorn, drinks (of the soft or adult variety) , and maybe a box of candy and you might find yourself shelling out a small fortune just for a few hours of entertainment. We've all heard the suggestions … [Read more...] about Movie Night: How To Have More Fun AND Save Money!

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