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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.

Man holding dumbbells in a home gym

Finances & Money • Health

Home Gym: Strength Training For $76

March 23, 2020
By Brock Kernin
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I wanted to add dumbbells to my home gym because their versatility would allow me to work every muscle group in the comfort of my own home. Many products exist that would fill my need, but the cost of different solutions vary greatly. Requirement I … [Read more...] about Home Gym: Strength Training For $76

Smoke rising from industrial smokestacks

Health

Ways to Improve Your Indoor Air Quality

March 17, 2020
By Brock Kernin
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Your health is your most important asset, and what goes into your lungs when in the comfort of your own home has a significant impact on your health. Poor air quality can affect your mood as well as your physical health. Pollutants in your home can … [Read more...] about Ways to Improve Your Indoor Air Quality

Wasting Money

Behavior

Coronavirus Hysteria: Stop Wasting Money on Products You Don’t Need

March 9, 2020
By Brock Kernin
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Every day the news hammers us with the latest on the Coronavirus. The financial markets are losing ground like no other time in history and people across the United States are shaken almost to the point of mass hysteria. Events are being canceled, … [Read more...] about Coronavirus Hysteria: Stop Wasting Money on Products You Don’t Need

Speeding Ticket in NC

Insurance

The Shocking True Cost of a Speeding Ticket in NC

March 2, 2020
By Brock Kernin
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  Many of us have experienced the feeling of despair after a passing police officer turns around in your rearview mirror. The squad car's lights start flashing, and you know exactly why you're being stopped. You were going too fast, and … [Read more...] about The Shocking True Cost of a Speeding Ticket in NC

Person counting cash bills at a table

budgeting

A Spending Plan Reduced My Weekly Spending 60%!

February 24, 2020
By Brock Kernin
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It's well known budgeting and a spending plan are two activities useful in keeping your finances on track. But, even the best of us fall off the wagon from time to time. Such has been the case with my wife and I over the last few months. It didn't … [Read more...] about A Spending Plan Reduced My Weekly Spending 60%!

Sunglasses resting on beach sand

Travel tips

What’s The Best Way To Pay For A Vacation?

February 18, 2020
By Brock Kernin
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Whether it's a sight seeing tour through Europe, backpacking through a jungle, or sitting on a beach listening to the crashing ocean waves while wearing your costa del mar sunglasses, everyone has their idea of the perfect vacation. Just as people's … [Read more...] about What’s The Best Way To Pay For A Vacation?

Small oak aging barrel on a wooden stand

Saving Money

Can Cheap Bourbon Be Made Better Using a Mini Oak Aging Barrel?

February 10, 2020
By Brock Kernin
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I occasionally check out the high priced bourbon selection at the liquor store, just for fun. I look at bottles that cost hundreds of dollars, wondering just how much better they taste. There may actually be a way for every day people to get a taste … [Read more...] about Can Cheap Bourbon Be Made Better Using a Mini Oak Aging Barrel?

Graduates tossing their caps in front of a university building

College

How to Afford out of State Tuition

February 3, 2020
By Brock Kernin
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Paying for a college education is a huge financial undertaking. That undertaking can become even larger by attending a college in a different state. Tuition at an of an out of state university can be double or even triple a comparable in state … [Read more...] about How to Afford out of State Tuition

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