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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.

Kids And Finances

Kids And Finances: Should My Son Help Pay For An Expensive Field Trip?

December 10, 2015
By Brock Kernin
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My son handed me a piece of paper, asking me to look at it. The first few sentences reveled it was parental permission form for a field trip. He brings these home periodically needing a signature to release the school from any liability should … [Read more...] about Kids And Finances: Should My Son Help Pay For An Expensive Field Trip?

Taxes

5 Things You Need To Know About Year End Charitable Donations

December 7, 2015
By Brock Kernin
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Twice a year my wife and I give our home a deep cleaning. As part of this process we go through the bulk of our possessions, especially those in our home's storage areas, and analyze what items should stay, and which items we can part with. We do … [Read more...] about 5 Things You Need To Know About Year End Charitable Donations

budgeting

Christmas is NOT A Reason To Use Your Emergency Fund

December 4, 2015
By Brock Kernin
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I've got a confession to make to all of you. I'm not ready for Christmas. This isn't one of those typical Midwesterner complaints stating I'm not ready for snow and cold temperatures. It's really much more serious than that. I'm not financially … [Read more...] about Christmas is NOT A Reason To Use Your Emergency Fund

Spending

How To Prevent Overspending This Holiday Shopping Season

December 2, 2015
By Brock Kernin
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My son came down the stairs, phone in hand, and showed me a gaming headset he had found on the internet. He stated that the headset was exactly what he was looking for, and since it was Cyber Monday he wanted to purchase them at the discounted price. … [Read more...] about How To Prevent Overspending This Holiday Shopping Season

Tip jar full of cash on a sandwich shop counter

Value

Tipping Etiquette When Your Restaurant Bill Is Reduced

November 30, 2015
By Brock Kernin
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For a very long time I viewed tipping as an over and above payment for a job well done. While I still believe that is the purist's definition, I realize that it has taken on a very different meaning in everyday life in the United States. Because of … [Read more...] about Tipping Etiquette When Your Restaurant Bill Is Reduced

Saving Money

Lack Of Knowledge Can Cost You Money

November 27, 2015
By Brock Kernin
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My mother is extremely frugal. She stretches the money her and my father have by painstakingly evaluating every purchase for value, and getting every drop of use out of their possessions. But while visiting them for Thanksgiving  I saw that they were … [Read more...] about Lack Of Knowledge Can Cost You Money

Spending

4 Things To Keep In Mind On Black Friday

November 25, 2015
By Brock Kernin
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On Thanksgiving morning people would pick up a copy of the weekend paper and spend the afternoon looking through the Black Friday ads for great deals as the holiday shopping season kickoff was upon us. That's changed quite a bit over the last few … [Read more...] about 4 Things To Keep In Mind On Black Friday

Saving Money

How Much Do You Spend On Thanksgiving Dinner?

November 23, 2015
By Brock Kernin
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We became friends with a family that moved into the neighborhood from Kentucky.  They've since moved away, but for a few years we had a tradition of spending Thanksgiving together since they didn't have any family nearby. We would have short … [Read more...] about How Much Do You Spend On Thanksgiving Dinner?

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