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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.

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?

budgeting

Government Shutdown: Congress Fails Americans, Embarrasses Itself

October 2, 2013
By Brock Kernin
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Yesterday, the Government of the United States of America began the process of shutting down all nonessential operations. The sticking point between Republicans and Democrats is the Affordable Health Care Act (Obamacare). The House of … [Read more...] about Government Shutdown: Congress Fails Americans, Embarrasses Itself

Bags of sour cream and onion chips and Baked Ruffles

Frugality

Marketing Tricks: Smaller Packaging Will Cost You More!

September 30, 2013
By Brock Kernin
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    I was walking through the grocery store, checking items off the list as they were found and put in the cart. It was a rather uneventful grocery shopping trip, until I went down the chip isle. I picked up a bag of store brand … [Read more...] about Marketing Tricks: Smaller Packaging Will Cost You More!

Hand pumping gas into a car

budgeting

Budgeting Tip: Pay No Attention to the Price of Gasoline

September 25, 2013
By Brock Kernin
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  “What are you doing with all that extra money we're not spending on gas?” This was the question posted on Facebook by my local television station referencing the recent decline in gasoline prices. My response would have been, … [Read more...] about Budgeting Tip: Pay No Attention to the Price of Gasoline

Smartphone showing a Like button

Frugality

Save Money By Sharing a Mobile Plan

September 23, 2013
By Brock Kernin
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  My mother-in-law was trying to make a call with her cell phone, but it froze up. She wanted to turn it off and on to try to bring it back to life, but since the power button was broken she had to remove the battery to power her phone … [Read more...] about Save Money By Sharing a Mobile Plan

Cheap Entertainment • Frugality

Cheap Entertainment: Poker Night

September 18, 2013
By Brock Kernin
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  I looked at my cards, and confidently pushed a small stack of chips to the middle of the table. My opponent flipped his cards and smiled. His full house beat my two pairs. I'm not in Las Vegas, or even in a local casino. It's poker … [Read more...] about Cheap Entertainment: Poker Night

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