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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.

Businessman in a suit signing papers at a meeting

Self Improvement

Life Lesson: Leaders Earn More Money

February 10, 2014
By Brock Kernin
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Growing up, I was taught that hard work is valued and rewarded. I learned recently that may not be 100% accurate. Let's back up a few years. As a software engineer, I “own” certain pieces of software that I have written, and continue to … [Read more...] about Life Lesson: Leaders Earn More Money

Knife and fork resting on dollar bills and coins

What Would You Do?

How a Trip to the Bathroom 20 Years Ago Means I Never Pay For Dinner With My Mother-In-Law Again

February 5, 2014
By Brock Kernin
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It started out as a joke almost twenty years ago while my now wife and I were still in college. Her mom would come to the city where we were attending school, and take us both out for lunch or dinner just to catch up on how we were doing. Since we … [Read more...] about How a Trip to the Bathroom 20 Years Ago Means I Never Pay For Dinner With My Mother-In-Law Again

Teenage boy sitting cross-legged holding a cell phone

Parenting

The Frustrating Tale Of a Teenager And His Cell Phone

February 3, 2014
By Brock Kernin
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It went right to voice mail. Again. My wife and I had both texted and called our son, but we had been unable to get any kind of response from him for well over an hour. He was at a friend's house for the afternoon while my wife and I traveled to a … [Read more...] about The Frustrating Tale Of a Teenager And His Cell Phone

Frugality

My Last Overpriced Meal At A Water Park

January 29, 2014
By Brock Kernin
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After a long morning of fun at the water park, we were all famished. The food at the eatery inside the water park eatery looked really good, even though the selection wasn't very big. Small baskets of french fries, mini corn dogs, and chicken strips … [Read more...] about My Last Overpriced Meal At A Water Park

Snow-covered park path during a winter storm

budgeting • What Would You Do?

Stuck In a Snow Storm – What Would You Do?

January 27, 2014
By Brock Kernin
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  Five inches of fresh snow, followed by wind gusts up to 50mph meant we weren't going anywhere. Together with the other families we were on a midwinter vacation with, we shelled out the money for another night's stay at the hotel. When we … [Read more...] about Stuck In a Snow Storm – What Would You Do?

TV projection lamp on a counter

Unexpected expenses

A New TV vs. $325 Lightbulbs, That is the Question

January 22, 2014
By Brock Kernin
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  “DAD! Something blew up,” yelled my son. I ran into the living room to find the TV had turned itself off, and a whiff of burnt electronics in the air. I knew exactly what had happened, the lamp that illuminates the screen of our … [Read more...] about A New TV vs. $325 Lightbulbs, That is the Question

budgeting • Spending

Afternoon Grocery Shopping Can Bust Your Budget

January 15, 2014
By Brock Kernin
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    I knew it was a bad idea even as I backed out of the driveway. I was heading to the grocery store late on a Saturday afternoon to do our usual shopping for the upcoming week. My fears were confirmed as I pulled into a jam packed … [Read more...] about Afternoon Grocery Shopping Can Bust Your Budget

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Kids And Finances

If You Have a Teenager, You Need an Emergency Fund

January 13, 2014
By Brock Kernin
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A water heater thatstops running, a car that needs repair, or a root canal are all unexpected expenses that pop up from time to time during this wonderful thing we call life. But I never thought in my wildest dreams of something like this. On … [Read more...] about If You Have a Teenager, You Need an Emergency Fund

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