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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.

budgeting

How Your Cell Phone Can Break Your Grocery Budget

November 6, 2013
By Brock Kernin
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  It was supposed to be a quick trip to Walmart. My son needed some things for his science project, so I threw on my shoes and said I'd be back in a few minutes. “Wait,” said my wife, “I have a list.” Oh boy. I looked on … [Read more...] about How Your Cell Phone Can Break Your Grocery Budget

Xbox 360 console with a controller

Frugality

How I Got A Brand New Xbox For $100

November 4, 2013
By Brock Kernin
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  “Dad, my Xbox doesn't read discs anymore, it just says the tray is empty.” My son had taken his Xbox to a friend's house the night before. I wasn't thrilled that he was taking it out of the house, and unfortunately my concerns … [Read more...] about How I Got A Brand New Xbox For $100

Excited businessman cheering with a laptop

budgeting

I Got a Raise! What Should I Do With It?

October 30, 2013
By Brock Kernin
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Earlier this week, my manager informed me that I have been given a raise!! YEAH!! This is especially good news as I did not receive one last year.  After taxes, I estimate that it will net about $115 per paycheck, or $230 per month. It's not life … [Read more...] about I Got a Raise! What Should I Do With It?

Air compressor for winterizing a sprinkler system

Clever Dudes Are Self Reliant

Save Money By Winterizing Your Own Sprinkler System

October 28, 2013
By Brock Kernin
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Every fall I get the letter in the mail asking if I want a local irrigation company to come and winterize my sprinkler system. I've seen my neighbors get the service. A truck pulling a  huge air compressor on a trailer parks in front of their homes.  … [Read more...] about Save Money By Winterizing Your Own Sprinkler System

Repairman in a hard hat holding a wrench

budgeting

Are Appliance Protection Plans Worth The Cost?

October 23, 2013
By Brock Kernin
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I turned the shower on to let the hot water make it's way through the pipes while I brushed my teeth. By the time I finish cleaning the chompers, my bathroom is usually filled with steam from the heated water. Unfortunately, on a very busy morning … [Read more...] about Are Appliance Protection Plans Worth The Cost?

Hotel bellman with a luggage cart

budgeting • Frugality

4 Unexpected Hotel Expenses That Can Break Your Vacation Budget

October 21, 2013
By Brock Kernin
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One of the men standing by the front door asked if I needed help with my bags as I got out of my car at the hotel. I politely declined and went inside to check in. I grabbed one of the wheeled carts in the lobby on my way back out to my car. Without … [Read more...] about 4 Unexpected Hotel Expenses That Can Break Your Vacation Budget

Woman frowning at paperwork

Financial Head Scrachers • Frugality

Financial Head Scratchers – First Edition

October 14, 2013
By Brock Kernin
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  I experienced a couple of things over the weekend relating to money, finances, and frugality that made me shake my head and I wanted to share them with you. I thought this may actually be a cool thing to do from time to time, as we all … [Read more...] about Financial Head Scratchers – First Edition

budgeting • Finances & Money

What Happens When Couples Disagree About How To Spend Their Money?

October 7, 2013
By Brock Kernin
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My wife and I reviewed our budget before the weekend to get on the same page with bills that were to be paid and how much we had left in discretionary funds. After crunching the numbers I felt great about where we were at. Bills paid, money in … [Read more...] about What Happens When Couples Disagree About How To Spend Their Money?

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