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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.

Spending

Financial Decisions That Have Long Lasting Effects

November 20, 2015
By Brock Kernin
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The pain was excruciating. I knew exactly what I had done as soon as I felt the burning sensation on the bottom of my foot. I had walked outside on my patio in stocking feet to dump the contents of my charcoal starter into my grill. In doing so, a … [Read more...] about Financial Decisions That Have Long Lasting Effects

Loyal3 Investment Update

The Clever Investor: Loyal3 Update – 11/18/2015

November 18, 2015
By Brock Kernin
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It's the middle of the month, and that means it's time to take a look at how my Clever Investments are doing.. I had some unexpected expenses this month, so I had to skip my usual $50 contribution. The good news is that the stock market saw a decent … [Read more...] about The Clever Investor: Loyal3 Update – 11/18/2015

Insurance

5 Things You Need To Know About Flexible Savings Arrangements

November 16, 2015
By Brock Kernin
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It's open enrollment time for medical insurance, which means people are comparing plan prices and coverage to determine what will work best for them as an individual, or for their family. One potential option is a high deductible PPO (Preferred … [Read more...] about 5 Things You Need To Know About Flexible Savings Arrangements

Behavior

Smart Shopping: 3 Steps You MUST Follow When Buying A Far Away Item

November 13, 2015
By Brock Kernin
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Every purchase is about value to me. If I believe an item will provide value to justify it's cost, then it's worth buying. People will obviously have differing perspectives as to the value attributed to specific things. To my son, a forty five … [Read more...] about Smart Shopping: 3 Steps You MUST Follow When Buying A Far Away Item

Stuff

Why I Don’t Like Work Happy Hours

November 11, 2015
By Brock Kernin
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They're supposed to be a good thing.  They might be a periodic gathering to promote team building, or maybe it's a token of appreciation for a job well done. My department recently had an employer hosted department happy hour, and I just flat out … [Read more...] about Why I Don’t Like Work Happy Hours

Finances & Money

Minimum Guest Parties: Five Steps To Not Get Stuck With the Bill

November 9, 2015
By Brock Kernin
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My wife has been working hard to coordinate a ladies night out event. It started with just a few women, but the original group decided to expand it to a wider group of friends. Eventually the group grew to about 20 people that were interested in … [Read more...] about Minimum Guest Parties: Five Steps To Not Get Stuck With the Bill

Parenting Challenges

Parenting Challenge: Should I Give My Teen Cash For School Lunch?

November 6, 2015
By Brock Kernin
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When my son started his junior year of high school in September, I put him on a lunch budget. The plan was to $35  into his lunch account every two weeks allowing him to purchase the base lunch provided by the school, as well as the occasional extra … [Read more...] about Parenting Challenge: Should I Give My Teen Cash For School Lunch?

Insurance

Save Money By Increasing Your Dental Insurance Coverage

November 4, 2015
By Brock Kernin
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I felt something hard in my mouth as I chewed a Starburst candy left over from Halloween. At first I wondered if something was in the candy, but as I felt the inside of my mouth with my tongue I realized a filling had come out of one of my … [Read more...] about Save Money By Increasing Your Dental Insurance Coverage

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