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Clever Dude Personal Finance & Money

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.

Banking

Adjustable Rate Mortgages are Not Evil

May 6, 2013
By Brock Kernin
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I pulled the familiar looking envelope out of the mailbox knowing exactly what it was. Would it contain good news, or bad? Nine years ago this month we moved into our home.  It was at the peak of the housing boom, and mortgage lenders used … [Read more...] about Adjustable Rate Mortgages are Not Evil

Finances & Money

My Son Didn’t Want To Pay His Bills

April 29, 2013
By Brock Kernin
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“You said you would pay for it,” said my son in an agitated tone of voice, “as a Christmas or birthday present.” The above quote was from  a conversation over the weekend regarding his Xbox Live subscription which he uses to play video … [Read more...] about My Son Didn’t Want To Pay His Bills

Kids And Finances

Is Overspending Worth It To Help My Son Fit In?

April 24, 2013
By Brock Kernin
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Have you ever have an experience that reminds you instantly of something that happened years ago? My son and I went shopping for new baseball cleats at a sporting goods store that was having a 20% off sale. Looking down the isle of baseball shoes, … [Read more...] about Is Overspending Worth It To Help My Son Fit In?

Frugality • Spending

Restaurant Specials That Rocked My Weekend

April 22, 2013
By Brock Kernin
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I'm not a big fan of dining out. I'm a pretty good cook, so to me dining out usually means over paying for food that I could make better and cheaper myself. When we do go out to eat, it usually happens for one of three reasons: Convenience: Life … [Read more...] about Restaurant Specials That Rocked My Weekend

Frugality • General

Would You Pay $122 For A Bottle Of Lotion?

April 17, 2013
By Brock Kernin
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We see overpriced items every day, but I came across one recently that was so ridiculous that I just had to tell you about it. My wife was experiencing a little bit of  seasonal affective disorder (SAD) from the long and gloomy winter, and thought … [Read more...] about Would You Pay $122 For A Bottle Of Lotion?

Cook At Home • Frugality

A Little Known Cut of Steak That Will Rock Your Face

April 15, 2013
By Brock Kernin
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I love a great steak. Unfortunately, a steak dinner at a quality steakhouse will cost quite a bit. To be honest with you, I hardly ever order a steak when dining out anymore simply because I know I can make it better myself. I'm going to tell … [Read more...] about A Little Known Cut of Steak That Will Rock Your Face

Finances & Money • Frugality

Too Cheap To Give a Wedding Gift?

April 10, 2013
By Brock Kernin
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(Image courtesy of digitalart / FreeDigitalPhotos.net) “Did you grab the card,” asked my wife as we got out of the car. The look on my face told her that I had not. I promised that we would give it to the wedding couple later, or even mail it. … [Read more...] about Too Cheap To Give a Wedding Gift?

Finances & Money • Kids And Finances

What The XBox Taught My Son About Personal Finance

April 8, 2013
By Brock Kernin
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A little over a year ago, my son decided that getting an Xbox was the most important thing in the world to him. My wife and I decided it was a great opportunity for him to learn the value of patience. and saving up for something. I told him that if … [Read more...] about What The XBox Taught My Son About Personal Finance

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