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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.

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

Roll of cash locked with a chain and padlock

Kids And Finances

Take Care Of Your Money!

January 8, 2014
By Brock Kernin
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  I hung up the phone and yelled up the stairs to my son, “Hey, did you forget your $20 at the neighbors?” Our next door neighbors had been gone for a week and had enlisted my son to feed their cat and fish each day. He had diligently … [Read more...] about Take Care Of Your Money!

Chef in a white hat and red apron with arms crossed

Frugality

One Simple Secret To Master Leftovers

January 6, 2014
By Brock Kernin
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  My employer has it's own cafeteria, and my office is within walking distance of at least half a dozen fast food restaurants. Around 11am I can hear people start talking and forming small groups to go get lunch, but they know better than … [Read more...] about One Simple Secret To Master Leftovers

Fireworks surrounding the year 2014

Finances & Money • General

Happy New Year!

January 1, 2014
By Brock Kernin
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Image courtesy of satit_srihin / FreeDigitalPhotos.net Happy New Year, clever friends, and welcome to 2014! - The Clever Dude Team - … [Read more...] about Happy New Year!

Yellow binder labeled Mortgage

Mortgages

3 Mortgage Rule Changes For 2014 You NEED To Know

December 30, 2013
By Brock Kernin
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  Mortgage interest rates have been at or near historical lows for years now. Many people have taken advantage of this by purchasing a home, or refinancing their current mortgage. Those that have been contemplating one of these moves may … [Read more...] about 3 Mortgage Rule Changes For 2014 You NEED To Know

Red Christmas ornament on a pine branch with Merry Christmas text

Finances & Money

Merry Christmas! Put Your Finances Away For One Day

December 25, 2013
By Brock Kernin
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Today's post is a short one, reminding you to enjoy your holidays to the fullest. We were discussing vacation plans last week at work. We are at a very critical time for a project we are working on, and we were trying to figure out how we could at … [Read more...] about Merry Christmas! Put Your Finances Away For One Day

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