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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.

Behavior

Tipping Adventures: The Car Wash

March 30, 2016
By Brock Kernin
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Does it seem to anyone else that tip jars are showing up in more and more places these days?  While I generally have no problem giving a tip to someone working in the service industry for a job well done, it seems harder and harder to determine when … [Read more...] about Tipping Adventures: The Car Wash

Taxes

If You Owed The IRS This Year, The Time To Take Action Is NOW!

March 28, 2016
By Brock Kernin
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  My 2015 tax returns have been filled out, submitted and accepted - I used TurboTax. It feels good to be able to put a check mark next to that on the todo list, and now we can all just forget about taxes for a whole year, right? Maybe … [Read more...] about If You Owed The IRS This Year, The Time To Take Action Is NOW!

Credit

Have You Noticed Credit Card Offers Are Changing?

March 23, 2016
By Brock Kernin
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  When interest rates are low, 0% introductory rate credit card offers come out to play. Borrowing money is cheap for banks, which they pass along to consumers to entice them to use lines of credit.  The goal of the credit card companies is … [Read more...] about Have You Noticed Credit Card Offers Are Changing?

Finances & Money • Saving Money

Save Money On Lawn Fertilizer At Costco NOW

March 21, 2016
By Brock Kernin
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 I woke up Saturday morning to my lawn being covered with a 3 inch blanket of fresh snow. By the end of the day it was all melted. Sunday was the first full of Spring, which doesn't mean it won't snow, but it does mean that the white powder doesn't … [Read more...] about Save Money On Lawn Fertilizer At Costco NOW

Finances & Money • Insurance

Three Steps To Getting The MOST Out Of Your Vision Insurance Benefits

March 18, 2016
By Brock Kernin
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  My wife and I decided to try a different optometrist this year, and quickly found out that decision was a huge mistake. We really liked the provider we used last year, but their location was a bit inconvenient, so we thought we'd try an … [Read more...] about Three Steps To Getting The MOST Out Of Your Vision Insurance Benefits

Finances & Money

Poor Financial Skills Make Life More Expensive

March 16, 2016
By Brock Kernin
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  Having nothing else to do while I waited my turn at the Walmart customer service counter, I did a little people watching. In the 5-10 minutes I was waiting in line, I witnessed two people in front of me request to do a money wire transfer … [Read more...] about Poor Financial Skills Make Life More Expensive

Kids And Finances

I’m Telling My Son To STOP Saving Money

March 11, 2016
By Brock Kernin
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I'm encouraging my son to stop saving money. Even though we had an agreement that a certain amount from each paycheck would be automatically transferred into his savings account, I told him that I wanted him to stop. My son wanted to register for … [Read more...] about I’m Telling My Son To STOP Saving Money

Parenting

Parenting: You’ll Be Amazed At What Kids Can Do On Their Own

March 9, 2016
By Brock Kernin
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  Parents sometimes have a hard time letting go of their children. It's hard to watch them grow into young adults, require less of their parents, and become more independent. Most children seem in a hurry to spread their wings, but sometimes … [Read more...] about Parenting: You’ll Be Amazed At What Kids Can Do On Their Own

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