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Clever Dude Personal Finance & Money

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.

Finances & Money

Having a Financial Goal WILL Change Your Behavior

July 22, 2016
By Brock Kernin
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Goals can be a great motivator. A goal gives a person something to work for, a purpose, and a reason for continuing down a path when things get difficult. I've heard many motivational speakers refer to it as your, “Why.” Such a goal can be the … [Read more...] about Having a Financial Goal WILL Change Your Behavior

Behavior

Tipping Adventures: When 20% Just Isn’t Enough

July 20, 2016
By Brock Kernin
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  We've all heard suggestions as to how to calculate a proper tip based upon the amount of the bill. There are an infinite amount of opinions, and each person has to figure out where they want to fall on that spectrum. But what if even a … [Read more...] about Tipping Adventures: When 20% Just Isn’t Enough

Debt

July Update: $10,000 Debt Repayment Update

July 18, 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 July Update: $10,000 Debt Repayment Update

Reward Programs

I Expected A Rebate Check, But Got A Merchandise Credit Instead

July 15, 2016
By Brock Kernin
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The return address on the envelope indicated my rebate from Menards, a big box hardware store, had arrived. A few months ago I purchased a plastic, put it together yourself shed that was on sale AND had a $50 mail in rebate. I opened the envelope … [Read more...] about I Expected A Rebate Check, But Got A Merchandise Credit Instead

Saving Money

6 Ways To Save Money On A Trip To An Amusement Park

July 13, 2016
By Brock Kernin
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It's Summer, it's warm, and people are flocking to amusement parks. A day's admission into the park an hour's drive my my home is about $50 a person, and I'm sure the large well known parks charge more. Add in parking and food and a family day at the … [Read more...] about 6 Ways To Save Money On A Trip To An Amusement Park

Convenience Store Chronicles

Save Money and Time With Lunch At A Convenience Store!

July 11, 2016
By Brock Kernin
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There are two things that almost everyone wishes they had more of; time and money. I definitely share this perspective. When I find an opportunity to save time by combining two tasks together, I take it. When I find an opportunity to save money, I … [Read more...] about Save Money and Time With Lunch At A Convenience Store!

Teenager

3 Reasons I Gladly Buy $100 In Junk Food For My Teenager

July 8, 2016
By Brock Kernin
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I put a pad of paper on the kitchen counter and told my son if he wanted anything specific to write it down. The following morning I'd be making a trip to the grocery to pick up soda, candy, snacks and anything else he wrote down on the list. My … [Read more...] about 3 Reasons I Gladly Buy $100 In Junk Food For My Teenager

Finances & Money

3 Reasons To Pay Attention To Your Debit Or Credit Card Expiration Date

July 6, 2016
By Brock Kernin
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We have a food home delivery person come to our home once every two weeks. They have some nice specialty products that either cannot be found at your average grocery store, or are better quality. After giving the salesperson my order last night, I … [Read more...] about 3 Reasons To Pay Attention To Your Debit Or Credit Card Expiration Date

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