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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.

Medical clinic worker in a white coat holding a clipboard

Family

Fast Care Medical Clinics Live Up To Their Name

January 14, 2015
By Brock Kernin
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The winter cold and flu season has hit my wife hard. Recently, she was down for several days battling the flu. Unfortunately, just as she was getting back on her feet, she caught a cold. She fought her way through a couple of days treating it as a … [Read more...] about Fast Care Medical Clinics Live Up To Their Name

Hands handing over cash

Finances & Money

The Holidays Aren’t Over Until You Pay The Bill

January 12, 2015
By Brock Kernin
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The Christmas season officially ended yesterday. At least it did for me, and for two reasons. First, I finally ventured out to return a few gifts. But most importantly, I paid the bill. With the exception of a few items, I did all of my Christmas … [Read more...] about The Holidays Aren’t Over Until You Pay The Bill

Group of young people dancing at a party

Self Improvement

Sometimes It’s Hard To Have Fun, Even if It’s Free

January 7, 2015
By Brock Kernin
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My first instinct was to say, “Thanks, but no thanks.” A friend of mine had acquired two free tickets to an NHL game. They were sweet tickets, too. Located in a suite, the tickets included free food and drink for the entire game. But here I was … [Read more...] about Sometimes It’s Hard To Have Fun, Even if It’s Free

Colorful Tetris-style blocks fitting together

Kids And Finances

Life Is Just A Game Of Tetris

January 5, 2015
By Brock Kernin
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A friend of mine was taking down his Christmas decorations over the weekend, and shared on Facebook a picture of the very tight storage space that was available to store the many storage bins. I commented on the picture, joking that it looked like he … [Read more...] about Life Is Just A Game Of Tetris

Woman carrying shopping bags in a mall

Spending

Happy Return or Exchange Your Gift Season!

December 31, 2014
By Brock Kernin
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Image courtesy of Stuart Miles at FreeDigitalPhotos.net For weeks, shoppers flooded the malls, retails stores and websites in preparation for not only Christmas morning, but also for the gift exchanges included in family gatherings held preceding … [Read more...] about Happy Return or Exchange Your Gift Season!

Finances & Money

The Three Rules To Borrowing Money To Friends and Family

December 29, 2014
By Brock Kernin
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Image courtesy of Stuart Miles at FreeDigitalPhotos.net The phone rang on the morning of Christmas Eve. It was an in-law that lived several states away, and was in a tough spot financially. He was asking to borrow some money, and promised that he … [Read more...] about The Three Rules To Borrowing Money To Friends and Family

Kids opening Christmas presents with parents watching

Family

The Changing Face Of Family Christmas Traditon

December 24, 2014
By Brock Kernin
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  I feel old saying this, but things were very different when I was a kid. My family and I lived in a small rural town in the Midwest, and drove 13 miles on Christmas Eve so my brother and I could participate in the children’s service. … [Read more...] about The Changing Face Of Family Christmas Traditon

Smiling woman holding a fan of cash

Frugality

The Things We Do To Save Money

December 22, 2014
By Brock Kernin
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People do some crazy things to save money. I've never thought of one of those people. But my perception of myself may have to change after this past weekend. On Friday night I mentioned to my wife that the next morning I was going to brave the … [Read more...] about The Things We Do To Save Money

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