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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

Save Money By Detailing Your Own Vehicle

March 7, 2016
By Brock Kernin
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  I got in my car to go to the gym, immediately noticing it was in need of a cleaning. While the car is mine, my son is the regular driver of the vehicle. It had been weeks since I had driven it. The dashboard had a noticeable layer of dust, … [Read more...] about Save Money By Detailing Your Own Vehicle

Kids And Finances

Teens And Finances: Filing My Teenager’s First Tax Return

March 4, 2016
By Brock Kernin
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  In my efforts to gather all the documentation needed to do my taxes last weekend, I ran across my son's W2 form from his part-time job.  I had tucked it away with other tax related information, and it reminded me that this is the first year … [Read more...] about Teens And Finances: Filing My Teenager’s First Tax Return

Value

A Purchase Waiting Period Can Save You Money and Regret

March 2, 2016
By Brock Kernin
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The concept of a buying waiting period isn't new. The theory is if a person forces themselves to wait a day or two before making an unplanned purchase, many of those items would never be bought. After taking some time to think about the consequences … [Read more...] about A Purchase Waiting Period Can Save You Money and Regret

Taxes

6 Pieces Of Information You MUST Have Before Doing Your Taxes

February 29, 2016
By Brock Kernin
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I dove into the task of doing my taxes over the weekend. It's a little out of character for me to start this early, but my wife really wanted to get it out of the way. I've found the bulk of the time and effort is actually gathering the needed … [Read more...] about 6 Pieces Of Information You MUST Have Before Doing Your Taxes

Kids And Finances

Teens And Finances: 4 Reasons You Should Have Access To Your Teen’s Bank Accounts

February 26, 2016
By Brock Kernin
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  When my son got his first part-time job, we opened both a checking and savings account for him. Since he's a teenager, the bank required an adult be added as a secondary signer on the accounts. I added myself, which allows his accounts to … [Read more...] about Teens And Finances: 4 Reasons You Should Have Access To Your Teen’s Bank Accounts

Credit

How Do Interest Rate Changes Affect Consumers?

February 25, 2016
By Brock Kernin
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  When contemplating taking out a loan either for a purchase or for debt consolidation, one question that the borrower should always ask is, “What is the interest rate?” The interest rate plays a big part in how much the item being … [Read more...] about How Do Interest Rate Changes Affect Consumers?

What Would You Do?

Would You Bust Your Budget to Save Money Later?

February 22, 2016
By Brock Kernin
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  I run consistently, piling up nearly 50 miles in a week when I'm marathon trailing. Because I roll my right foot when I run, I need a specific type of shoe to keep from injuring myself. As most runners, I'm very loyal to my shoe. I've found … [Read more...] about Would You Bust Your Budget to Save Money Later?

budgeting

What Meal Planning And Financial Success Have In Common

February 19, 2016
By Brock Kernin
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  I picked my wife up from work at 5:00pm. She eyed the clock, and wondered aloud how we would get home, make dinner, and get to our son's high school on time for a meeting. I pointed towards the back of the van, causing my wife to turn her … [Read more...] about What Meal Planning And Financial Success Have In Common

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