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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.

Toy robot

Finances & Money

Why I Will Never Automate My Finances

October 15, 2014
By Brock Kernin
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Businesses love it when you sign up for automatic payment. You can't forget to send them their money, although you do have to make sure you have enough money in your account. I absolutely hate it, which is why with the exception of my car loan (which … [Read more...] about Why I Will Never Automate My Finances

Woman grimacing while on the phone

Value

Is There A Statute Of Limitations On Complaining?

October 13, 2014
By Brock Kernin
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Image courtesy of Stuart Miles at FreeDigitalPhotos.net My wife hung up the phone and declared, “I am getting my hair colored for free today.” She had that smirky smile on her face that beamed of, “I did it again.” I smiled back, waiting … [Read more...] about Is There A Statute Of Limitations On Complaining?

Kids And Finances

Should My Teenager Get A Debit Card?

October 8, 2014
By Brock Kernin
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While we were lifting weights on Thursday my fifteen year old son surprised me with the following question: “Dad, can I get a debit card?” Image courtesy of stockimages at FreeDigitalPhotos.net He went on to explain his request. He … [Read more...] about Should My Teenager Get A Debit Card?

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Value

Customer Service: A Little Kindness Goes A Long Way

September 29, 2014
By Brock Kernin
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My wife doesn’t accept a bad customer experience. She’s going to get what she paid for, and if she believes she’s been deprived from the value she deserves in any way, shape, or form, somebody is going to hear about it.   This usually results … [Read more...] about Customer Service: A Little Kindness Goes A Long Way

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budgeting

I Need a Teenager Maintenance Fund

September 24, 2014
By Brock Kernin
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With school supplies purchased, lunch account funded, and new clothes purchased and neatly hung up in the closet or put away into dresser drawers, I thought we had passed the hump of extra spending usually associated with the start of a new school … [Read more...] about I Need a Teenager Maintenance Fund

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Saving Money

The Night My Son Discovered Generic Soda

September 22, 2014
By Brock Kernin
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My son is your typical high school sophomore. Social and peer pressure tells him that the brand name of his sports equipment, and where he buys his clothes and other products he uses matters. As an adult I know better, but as a kid I was the same … [Read more...] about The Night My Son Discovered Generic Soda

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Insurance

Do You Understand Your Medical Insurance Explanation Of Benefits Statements?

September 17, 2014
By Brock Kernin
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Image courtesy of Baitong333 at FreeDigitalPhotos.net “We gotta go to the doctor,” my wife said as she hung up the phone. The phone call had been from my sister-in-law, who's family had stayed with us the previous weekend, informing us that … [Read more...] about Do You Understand Your Medical Insurance Explanation Of Benefits Statements?

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Insurance

Are You Protected Against A Lost or Stolen Cell Phone?

September 15, 2014
By Brock Kernin
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I thought I was going to have to drop some serious money last Friday, as I spent most of the morning frantically searching for my lost cell phone. It was frustrating because I know I took it with me to work, and before I noticed I didn’t have it, I … [Read more...] about Are You Protected Against A Lost or Stolen Cell Phone?

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