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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.

DieHard car battery

Car Repairs

Car Fixed, But What Should I Do With This Extra Battery?

July 10, 2013
By Brock Kernin
- Leave a Comment

    The needed repair for my broken down car wasn't as bad as I had feared. It wasn't the alternator after all, it just needed a new battery. After a quick stop at my insurance company's office to get reimbursed for the tow, the whole … [Read more...] about Car Fixed, But What Should I Do With This Extra Battery?

Frustrated man sitting by a broken-down car with the hood up

What Would You Do?

What Would You Do? Car Breakdown!

July 8, 2013
By Brock Kernin
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Something was wrong with the car, I could feel it as I was driving down the highway on my way to the gym. The radio would lose power and then come back on, the automatic transmission wouldn't change gears, and finally the battery light came on. … [Read more...] about What Would You Do? Car Breakdown!

Frugality

I’ve Got the (Free) Cure For the Summertime Blues

July 1, 2013
By Brock Kernin
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  A week after school let out, my son emerged from his room just after 11:30am, immediately laid on the living room floor and and claimed complete boredom of summer vacation. That didn't take long. Our teenage son had fallen into a … [Read more...] about I’ve Got the (Free) Cure For the Summertime Blues

Communication • What Would You Do?

What Would You Do: Planning A Party With Family..and NOT Talking about Finances

June 26, 2013
By Brock Kernin
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    Lack of planning and communication about our finances is one of the reasons my wife and I were once headed down the wrong path. I thought we had learned something. Which is why the situation that is unfolding before me is so mind … [Read more...] about What Would You Do: Planning A Party With Family..and NOT Talking about Finances

Boxes of breakfast cereal lined up in a pantry

Frugality • Spending • Use It Up Challenge

Use It Up Challenge: The Breakfast Cereal Smack Down

June 24, 2013
By Brock Kernin
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  I opened the bathroom drawer to put away the new tube of toothpaste requested by my wife since she said she was out. Instead of finding a flat, empty tube as I would have expected, I found a twisted, mangled mess. After I straightened it … [Read more...] about Use It Up Challenge: The Breakfast Cereal Smack Down

Worried woman holding a mug, hand on her forehead

Finances & Money • Spending

Can I Take a Break From Thinking About Money?

June 19, 2013
By Brock Kernin
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  Do you ever get sick of paying attention to your finances? Tired of planning your spending and tracking every dollar? Yeah, me too. Our pre-weekend routine went as usual. I reconciled the the checking account, and paid the bills … [Read more...] about Can I Take a Break From Thinking About Money?

Frugality

Are Your Laundry Habits Making You Stink?

June 10, 2013
By Brock Kernin
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  I separate colors, I know what gets washed in cold or hot, I pre-treat stains, and I'm not afraid of hand washing delicates. I do my share of laundry. It's not something I particularly like doing, but it is a necessary evil. I'm … [Read more...] about Are Your Laundry Habits Making You Stink?

Smiling girl looking at a yearbook

Frugality

Are School Yearbooks a Waste Of Money?

June 5, 2013
By Brock Kernin
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Dad, can I get a yearbook?, asked my son. I thought back to when I was a teenager. Buying yearbook was very little about the pictures that were inside, and more about getting your friends to sign it. It was a kind of status symbol to fill up as … [Read more...] about Are School Yearbooks a Waste Of Money?

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