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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.

Best Before date label on a food package

Saving Money

Would You Buy Expired Food To Save Money?

September 10, 2014
By Brock Kernin
- Leave a Comment

It happens to me frequently. I pull out a loaf of bread, or what's left of a gallon of milk only to find the expiration date has passed. I visually inspect whatever it is I'm holding, then give it a good sniff. If it passes those two tests, what I do … [Read more...] about Would You Buy Expired Food To Save Money?

50% off discount card

Saving Money

Do Fund Raising Discount Cards Really Save You Money?

September 8, 2014
By Brock Kernin
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I grabbed my wallet on the way to answer the door. I knew who it was, and why he was ringing my doorbell. It was the son of a family member who is playing football for the local community college, selling discount cards as a fund raiser for the … [Read more...] about Do Fund Raising Discount Cards Really Save You Money?

Young man in a red apron holding a pizza box

Kids And Finances

Four Things High School Students Should Know About Having a Part-Time Job

September 3, 2014
By Brock Kernin
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I've spent a lot of time and effort teaching my son basic personal finance concepts such as working hard to earn money, saving for the things you want, and getting the most value out of your hard earned money. I discovered recently that he's in need … [Read more...] about Four Things High School Students Should Know About Having a Part-Time Job

Insurance

How Much Does Medication Really Cost?

September 1, 2014
By Brock Kernin
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Prescription drug prices have been a popular subject of discussion in the United States for many years. Actually seeing a doctor is expensive in itself, but the cost or maintaining your health doesn't necessary stop once you leave the doctor's … [Read more...] about How Much Does Medication Really Cost?

Financial Head Scrachers

Financial Head Scratchers: Always Buy More Beer

August 27, 2014
By Brock Kernin
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I was in the liquor store over the weekend picking up some adult beverages when I came across the picture above in the display cooler. On the left is a six pack of 12 ounce cans, and on the right a six pack of 16 ounce cans. The fact that they … [Read more...] about Financial Head Scratchers: Always Buy More Beer

Figure choosing between Chaos and Order buttons

Value

Lack Of Organization Can Cost You Money

August 25, 2014
By Brock Kernin
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I’m usually a very organized person, but every once in a while my skills fail me. This was the case recently, and it just about cost me some money. We recently purchased some things we needed for some home improvement projects at a local … [Read more...] about Lack Of Organization Can Cost You Money

Bottles of Gain and Tide laundry detergent

Saving Money

Cost Comparison: Is Laundry Soap Really Cheaper at a Club Store?

August 20, 2014
By Brock Kernin
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Back in April when I renewed my executive Costco membership, I vowed that I would start buying as many household items there as I could in order to take advantage of the 2% cashback perk. However, it would be foolish to just buy items at Costco for … [Read more...] about Cost Comparison: Is Laundry Soap Really Cheaper at a Club Store?

Girl in a school uniform with a pink backpack

Saving Money

The Back To School Sale That Wasn’t

August 18, 2014
By Brock Kernin
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Business will do almost anything to get you through their door and buying their merchandise. I’ve seen jewelry store commercials boasting 75% off, with the fine print stating that the original price may not have resulted in any actual sales. I may, … [Read more...] about The Back To School Sale That Wasn’t

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