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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.

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Finances & Money

An Easy Way To Protect Yourself Against False Vacation Rental Charges

April 9, 2014
By Brock Kernin
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“What are you doing?” asked my wife as she noticed me walking around the rental house snapping pictures, “I want to get going!” It was 6am, and we were trying to get on the road to make the twenty hour drive back home from … [Read more...] about An Easy Way To Protect Yourself Against False Vacation Rental Charges

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What Would You Do?

What Would You Do: Is the Customer Always Right?

April 7, 2014
By Brock Kernin
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“The customer is always right,” the saying goes. But is that always true? Consider the following two scenarios, both of which I witnessed while on vacation last week: A customer ordered an appetizer of crab dip which came with a side of large … [Read more...] about What Would You Do: Is the Customer Always Right?

Kids And Finances

How Much Should Kids Worry About Your Finances?

April 2, 2014
By Brock Kernin
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My fifteen year old son said something unexpected to me recently. My family and I are currently on vacation in Florida, and we were walking along a boardwalk, checking out stores and hunting for new adventures. We came upon a zip line that stretched … [Read more...] about How Much Should Kids Worry About Your Finances?

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Frugality

Is a Phone/Tablet Protection Plan Worth The Cost?

March 31, 2014
By Brock Kernin
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Have you ever agreed with someone, only to realize later that the suggestion was completely ridiculous? Yeah, that happened to me at an AT&T retailer last week. My wife has been wanting an iPad for quite some time. I suggested time and time … [Read more...] about Is a Phone/Tablet Protection Plan Worth The Cost?

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Family or Marriage

The Cost Of High School Sports When You Don’t Make the Team

March 24, 2014
By Brock Kernin
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“Didn’t make it, don’t care,” was the text message I got from my son. As a high school freshman, he was trying out for high school baseball for the first time.  Twenty one kids tried out for the “C” team, the coach indicating that about … [Read more...] about The Cost Of High School Sports When You Don’t Make the Team

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Self Improvement

Are You Trying To Impress People Who Simply Don’t Care?

March 19, 2014
By Brock Kernin
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We all crave acceptance from our friends, our family, and our peers. We perceive the easiest way to gain that acceptance is to be like them. Wear what they wear, drive what they drive, do what they do, live like they live. Image courtesy of … [Read more...] about Are You Trying To Impress People Who Simply Don’t Care?

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Frugality

Forgot Your Coupon? No Problem!

March 17, 2014
By Brock Kernin
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SHOOT! exclaimed my wife as she slammed her hand down on the dashboard of our van. We were on our way to shop for new athletic shorts and a swimsuit for our son, and she had forgotten the flyer for Shopko on the kitchen table that contained a coupon … [Read more...] about Forgot Your Coupon? No Problem!

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Spending

When The Story is Better Than The Experience

March 12, 2014
By Brock Kernin
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Image courtesy of digitalart / FreeDigitalPhotos.net Some friends and I were discussing our favorite vacations recently.  I was recounting the trip my wife and I took to Hawaii, and how we rented a black Mustang GT convertible for a single day and … [Read more...] about When The Story is Better Than The Experience

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