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Harry Campbell

Home Buying, Credit Card, Savings and Retirement Expert

Harry Campbell is an aerospace engineer by day and personal finance blogger by night. He runs his own personal finance blog at Your PF Pro and is a freelance writer. Harry's expertise includes retirement, credit cards, home buying, higher education and side hustles like ridesharing. His work has been featured on Zillow, Credit Karma and Harry currently resides in Newport Beach, CA and enjoys biking and playing beach volleyball in his spare time.

Posts by Harry Campbell:

by Harry Campbell May 20, 2022

Your employer may offer a health savings account (HSA) as a way to keep medical expenses down. Employers generally subsidize a majority of the cost so the premium you pay via payroll deduction isn’t even close to the full amount. While HSAs are attractive in terms of costs and in terms of taxes, they may not be for everyone. Here’s what you need to know about HSAs so you can decide if they are right for you. Also, consider working with a financial advisor to find all the ways possible to cut your healthcare expenses.   Read more

by Harry Campbell Jan 12, 2016

There’s a lot of variability when it comes to planning for retirement. If you’re a 20, 30 or even 40-something plugging away at your day job, you’ve probably entered your information into a retirement calculator once or twice just to see what came up. It’s always fun to think about retirement no matter how far away it might seem. But tools like this are useful for more than just day dreaming. Read more

by Harry Campbell Feb 12, 2020

You’ve probably heard of an emergency fund, but do you have one?  Most of the financially savvy people in this world have gotten good at budgeting for the every day predictable expenses.  But what about the leaky roof that finally caves in and needs to be replaced?  Or the old car that completely dies on you? Read more

by Harry Campbell Dec 19, 2016

Unless you’ve been living under a rock for the past 10-20 years, you know that the cost of college has gone way up. The college inflation rate stands somewhere in-between 6 and 9% while standard… Read more

by Harry Campbell Dec 19, 2016

With all the talk about hurting or helping your credit score these days, there are probably a lot of confused consumers out there.  Most credit monitoring companies try to portray your credit as a… Read more

by Harry Campbell Jul 05, 2017

Life insurance is one of the most under-valued financial assets on the market.  Many people don’t fully understand why they might need life insurance. And they often buy into misconceptions. Here are… Read more

by Harry Campbell Dec 20, 2016

It doesn’t matter whether you’re buying or selling a property these days, house and mortgage closing costs are going to have a huge impact on any real estate transaction. There are a lot of parties… Read more

by Harry Campbell Oct 01, 2022

We’ve all heard that owning a home is the American dream, but boy has that dream gotten expensive.  Real estate is making a furious comeback after the recent housing collapse and prices are up 20-50%… Read more

by Harry Campbell Dec 29, 2013

This time of year can be a stressful and life-changing experience for high school seniors across the country.  The reason behind it all: college applications and acceptance.  Not only is it getting… Read more

by Harry Campbell Jul 16, 2018

When you sign the dotted line on that 30-year mortgage, you’re probably thinking how great it will be to have that house paid off right around the time you retire.  But most people don’t live in the… Read more

by Harry Campbell Jul 10, 2018

Whether you like it or not, credit is important and it’s here to stay.  Most of us know that you need good credit when applying for loans or apartments. But even employers are starting to check… Read more

by Harry Campbell Nov 12, 2017

There are so many credit cards to choose from. It can be overwhelming picking between travel rewards, cash back options, and interest rates. But it’s just confusing to hear that some are free and… Read more

by Harry Campbell Feb 14, 2020

For young professionals and families alike, it’s the age old question: buy vs rent?  We all know that there are lots of hidden expenses that go into buying a home but you’ve probably also heard that… Read more

by Harry Campbell Jun 27, 2017

It’s a simple fact in today’s world: if you want to establish credit, you have to use credit. Not everyone realizes that until it’s too late though. You can probably get by paying for most major… Read more

by Harry Campbell Nov 08, 2017

When most of us hear Black Friday, we think of an epic shopping day. We picture packed malls and mobs of shoppers all hunting for the best deals. It’s a day to flex our shopping muscles and rack up… Read more

by Harry Campbell Jun 26, 2017

In the past few years we’ve seen a resurgence of point-earning credit cards and handsome sign up bonuses. There are a number of ways to earn credit card points and miles. However, redeeming those… Read more

by Harry Campbell Dec 23, 2014

Bills, bills and more bills.  We all have them. But when you’re struggling financially, they can really be a burden on your financial health and well being.  Even though you might not necessarily… Read more

by Harry Campbell May 21, 2018

Although man’s obsession with gold goes back hundreds or even thousands of years, diamonds are a relatively new one.  Like any other gem stone, diamonds are valuable because they are rare and in high… Read more

by Harry Campbell Apr 13, 2018

I was fortunate enough to graduate college with very little debt.  I went to a public university in California and although tuition has skyrocketed lately, the cost wasn’t overly outrageous at the… Read more

by Harry Campbell Jul 05, 2018

These days it seems like you need a good credit score for just about everything.  Whether you want to buy a new car, apply for an apartment or even get a job, they all want to know what your credit… Read more