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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.

Frugality

What Toothbrush Heads Taught Me About Frugality

January 13, 2016
By Brock Kernin
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I was faced with a dilemma in the personal hygiene aisle at the nearby Walmart. I was doing my usual Saturday morning grocery shopping and included on the list of things we needed were replacement heads for our electric toothbrushes. I could either … [Read more...] about What Toothbrush Heads Taught Me About Frugality

Finances & Money

What’s Your Definition Of Financial Freedom?

January 11, 2016
By Brock Kernin
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I'm a huge fan of motivational quotes. I saw one on Friday morning that I couldn't quite get my arms around at the time. I don't remember the exact words, but essentially it stated the goal, or at least one of the benefits of financial freedom, was … [Read more...] about What’s Your Definition Of Financial Freedom?

Reward Programs

How I’m Funding Christmas 2016 Through Rewards Programs and Side Hustles

January 8, 2016
By Brock Kernin
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I was clearing out my email inbox earlier this week, and I found one of those, “We've missed you!” emails from Swagbucks. There's a name I haven't heard for awhile. If you've never heard of Swagbucks, it's a service you can register for and earn … [Read more...] about How I’m Funding Christmas 2016 Through Rewards Programs and Side Hustles

Credit

How To Determine If Refinancing your Automobile Loan Is A Good Idea

January 6, 2016
By Brock Kernin
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I received a letter in the mail from my bank informing me that they could save me a lot of money. All I have to do is come in and talk to them about refinancing the loan on my van. It gave some example numbers showing how they could reduce my monthly … [Read more...] about How To Determine If Refinancing your Automobile Loan Is A Good Idea

Cook At Home

New Year’s Savings: Make a Fancy Meal At Home

January 4, 2016
By Brock Kernin
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As of 10 am on December 31st, my wife and I didn't have any plans for New Year's Eve. We both expressed a feeling of indifference to this fact, at least outwardly content to make a nice dinner at home and ring in the new year by ourselves. Our … [Read more...] about New Year’s Savings: Make a Fancy Meal At Home

Ways My Wife Saves Us Money

Ways My Wife Saves Us Money: Party City Edition

January 1, 2016
By Brock Kernin
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Happy New Year, Clever Friends! It's day one of a new year, and I've got a brand new story of how my wife saves us money!  My wife and I were at Party City picking up decorations and party supplies for the new year's celebration we were hosting at … [Read more...] about Ways My Wife Saves Us Money: Party City Edition

What Would You Do?

What Would You Do? The Disliked Christmas Gift

December 30, 2015
By Brock Kernin
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My son is extremely difficult when it comes to finding clothes that he likes. I can't even put a number on the pairs of jeans he approved just to complete shopping trip, never to be worn again. Trying to buy anything for him without having him along … [Read more...] about What Would You Do? The Disliked Christmas Gift

Frugality

Three Uses For An Unwanted Gift Card

December 28, 2015
By Brock Kernin
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My wife and and I had a terrible dinning experience at a restaurant we visit frequently.  Her steak was overcooked. When the replacement steak was delivered, there was no apology, the server didn't have her cut into it to ensure the second steak was … [Read more...] about Three Uses For An Unwanted Gift Card

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