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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.

Travel tips

Three Tips To Prevent Leaving Important Items Behind In A Hotel Room

October 12, 2015
By Brock Kernin
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The first thing I do when I get home from being away from home for a few days is unpack everything. I can't stand unpacked suitcases sitting around. They must be emptied, immediately. Unpacking from a recent weekend away, I was keeping my eye out for … [Read more...] about Three Tips To Prevent Leaving Important Items Behind In A Hotel Room

budgeting

Budget vs Spending Plan and Why I Need Both

October 9, 2015
By Brock Kernin
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  My wife and I agreed to let our son travel with friends ninety minutes to a major metropolitan area to go to his first concert. A few days later, after I found out he had purchased his ticket, I asked if he was setting aside money for … [Read more...] about Budget vs Spending Plan and Why I Need Both

Credit

What Happens When I Don’t Sign My Credit Card Receipt?

October 7, 2015
By Brock Kernin
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  I was going through my receipts from the weekend when I ran across one from a restaurant. It wasn't unusual to see the tip and total amounts filled in as I usually do that to both the copy I leave on the table and the copy I take home. … [Read more...] about What Happens When I Don’t Sign My Credit Card Receipt?

Saving Money

Save Money With Appetizers For Dinner

October 5, 2015
By Brock Kernin
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I'm a big fan of eating at home. Comparatively speaking, cooking for yourself is enormously cheaper. But there are situations where a person doesn't have a choice. Whether you're in a time crunch, running around town, or away on vacation, sometimes … [Read more...] about Save Money With Appetizers For Dinner

Consumer Beware

This Is What A Mystery Shopping Scam Looks Like

October 2, 2015
By Brock Kernin
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Mystery shopping is a great way for a person to earn some extra cash in their spare time. Prospective shoppers sometimes have misconceptions about what the process looks like, having grand illusions of staying in hotels or having a dinner at a fancy … [Read more...] about This Is What A Mystery Shopping Scam Looks Like

budgeting

It’s OK To Say NO To Food Delivery!

September 30, 2015
By Brock Kernin
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I was half asleep when the doorbell rudely dragged me back to full consciousness. At the door was the representative from the food delivery service that stops at our home every two weeks. The items we typically purchase from the service usually fall … [Read more...] about It’s OK To Say NO To Food Delivery!

budgeting

Delayed Spending Gives You Choices!

September 28, 2015
By Brock Kernin
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My wife and I tend to balance each other out, it's why we make a great team. She's a very spontaneous, “Let's just GO FOR IT,” kind of person. I fall more on the, “Let's just wait and see,” conservative side of the fence. If it wasn't for my … [Read more...] about Delayed Spending Gives You Choices!

Spending

Coupons Aren’t Meant To Save You Money

September 25, 2015
By Brock Kernin
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I shut the door after putting several bags of groceries into the back of the van. I commented to my wife that the coupon served exactly its intended purpose. The look on her face signaled I was going to have to explain myself. The night before, my … [Read more...] about Coupons Aren’t Meant To Save You Money

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