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Annette Harris

Owner, AFC®, FFC® at Harris Financial Coaching and 3 other companies
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Annette Harris is the Founder of Harris Financial Coaching. Annette is an Army veteran and an Accredited Financial Counselor. She also works in the human resources field as Human Resources Director. She is a Certified Senior Professional in Human Resources, SHRM-Certified Professional, and Certified Volunteer Income Tax Assistant with AARP Tax-Aide.

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  • Financial Coach Annette Harris on Mortgage Payoff Before Retirement
    Annette paid off her mortgage at 38 to eliminate debt and increase savings. She advises, "Ensure you have a plan for your finances after the mortgage is paid off." Annette highlights the pros and cons, such as reduced income after her husband retired, and suggests considering investment returns versus mortgage payoff.
  • Expert Tips for Establishing Effective Salary Ranges
    Annette emphasizes evaluating career levels to develop pay grades and revisiting structures biennially to align with inflation. She advises consulting third-party resources like Salary.com for creating salary bands and highlights the importance of transparency. Annette's key advice: "ensure transparency while maintaining confidentiality."
  • The Hidden Dangers of Extreme Frugality: Expert Insights
    Annette warns that extreme frugality can hinder financial growth by avoiding investments and missing life experiences. She advises, "if your bills are paid and you are saving and investing for the future, a portion of your income should be used as a reward for your hard work," ensuring a more fulfilling life.
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  • Consider planning your weekly or monthly meals and incorporate grocery shopping into your routine to eliminate the need to pick up a quick but expensive meal for your family.

  • Having conversations with children at a young age can help parents become more comfortable talking about money as they grow. Starting with small life lessons, such as making grocery shopping decisions, can help children understand the value of money and gain self-confidence to make financial decisions. Teaching through everyday life choices can make it easier for parents to talk about money.

  • Money confidence occurs when you begin envisioning what you want your future life to be. It also comes with acknowledging your past money mistakes and committing to moving forward. Moving forward requires writing down your goals and creating an actionable plan that can help you begin taking action one step at a time.

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