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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

3 Steps To Get Through Christmas Shopping Crunch Time

December 17, 2014
By Brock Kernin
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With about a couple of days left before Christmas, we have officially entered crunch time for those of us that have not finished our shopping. It's not so much that I haven't executed my gift buying plan for my immediate family to perfection, because … [Read more...] about 3 Steps To Get Through Christmas Shopping Crunch Time

Pair of blue jeans

Kids And Finances

How I’m Using Jeans To Teach My Son About Finances

December 15, 2014
By Brock Kernin
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My son is extremely picky about his jeans. I dread going shopping for new jeans with him, because he will pick out, try on, and approve jeans, but then decide somewhere down the road that he no longer likes them. One year I simply gave up and he wore … [Read more...] about How I’m Using Jeans To Teach My Son About Finances

Smiling man holding a cardboard shipping box

Value

When Paying For Shipping is Worth It

December 10, 2014
By Brock Kernin
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The holiday season is the best time of the year to score free shipping for online orders. Retailers increasingly offer free ship to store and even free shipping to your home. For stores that don't blatantly offer it on their websites, coupon codes … [Read more...] about When Paying For Shipping is Worth It

Cartoon garbage truck driver waving

Frugality

Dear Garbage Company: I’m Moving On

December 3, 2014
By Brock Kernin
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I honestly laughed out loud when I read the letter from my garbage disposal provider. They were writing to me to offer me a deal in which I would commit to continue to use their service for the next year, and in return they would not raise my rates … [Read more...] about Dear Garbage Company: I’m Moving On

Do you want to save money this Christmas? Here's how you can do that by shopping online.

Saving Money

Christmas 2014 Challenge: Can I Do All My Shopping Online?

December 1, 2014
By Brock Kernin
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I dislike crowds. They make me anxious, and uncomfortable. Which is why I prefer sitting on my deck with close friends over going to a bar, why I prefer to go grocery shopping early in the morning or late at night, and why I absolutely dread going to … [Read more...] about Christmas 2014 Challenge: Can I Do All My Shopping Online?

Yellow car with a crumpled door after an accident

Car Repairs

How Knowing My Car Insurance Coverage Saved Me $250

November 26, 2014
By Brock Kernin
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Well, Clever Friends, it’s been quite an expensive couple of days.   Last Saturday I shelled out $330 for two new tires on the family van so that we’d be as safe as possible as we left town Saturday night for a charity event. At 12:15am Sunday … [Read more...] about How Knowing My Car Insurance Coverage Saved Me $250

Car tire

Car Repairs

Rotate Your Tires, Or Pay The Price

November 24, 2014
By Brock Kernin
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The last two weeks have brought lower than normal temperatures, and a handful of light snowfalls. I noticed our van, which we purchased in January, was sliding quite a bit when I slowed at intersections, but just figured it was normal winter driving … [Read more...] about Rotate Your Tires, Or Pay The Price

Behavior

Contemplating the Intricacies of Open Bar Etiquette

November 19, 2014
By Brock Kernin
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While waiting for my wife to put the finishing touches on her makeup, I checked my wallet to make sure I had an ample supply of singles. We were headed to a wedding and I wanted to make sure I had one dollar bills to tip the bartender. As the minutes … [Read more...] about Contemplating the Intricacies of Open Bar Etiquette

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