Personal Finance and Lifestyle Guide
Tiffany Raiford is a lifelong Floridian, wife to my high school sweetheart and mother of four littles (two girls and boy/girl twins...no, they are not identical and yes, I'm sure). My kids love to whine, so I love to wine. My loves include nap time, bed time, date night, travel and evenings and weekends when my husband is home because he handles all diaper changes.
It’s the most wonderful time of the year; the holidays (particularly Christmas). To me, the holidays officially begin the first day of September. My birthday is September 30, so the entire month is a holiday to me. Add to that the fact that college football begins at the beginning of the month (Go Gators!) and […] More
You might not think you need any Christmas decorating hacks, but you really do. I read somewhere recently that the average American spends $700 on Christmas. I spend more than that on just Christmas décor; so I’m not sure how accurate that figure really is to most people. It doesn’t even come close to touching […] More
There’s a good reason you should save, and that’s so you’re not short on cash. But you know what? We aren’t all rolling in the dough millionaires with money just lying around to use at our disposal, and life sometimes happens. Trust me; in the past few months my husband and I have spent approximately […] More
Amazon is more than just a website on which you can purchase items you may or may not need; though that’s just one of the biggest perks. Of course we all love Amazon, especially when it pertains to multiple orders every month that make the Prime subscription and the Amazon Mom subscription totally worth it. […] More
We like crazy; we parade it around here in the south and stick it on the front porch with a glass of wine or a bottle of cold beer and let it talk to the neighbors and scare off the solicitors. We also love crazy advice from people who really know what they are talking […] More
Laundry is probably the worst thing that ever happened in life. Why has no one taken the time to invent disposable clothing yet? I mean, seriously; it’s like we have no choice but to wear clothes, wash clothes, dry clothes, fold clothes, hang up clothes and then we start the entire thankless process all over […] More
Ask yourself what your biggest monthly expense might be. I bet your first thought is that it might be your mortgage payment or perhaps your savings. I ask you to sit back and think again. Is there a chance that your grocery budget might be the biggest expense you have each month? I have a […] More
We spend so much time focused on our resumes and what to wear to a job interview that many of us fail to remember some of the most important interview tips around. It’s all right; we all make mistakes and no one is perfect. Most prospective employers are well aware of this, but that doesn’t […] More
With four small kids of my own and the thought of four college tuition payments, four cars, four weddings and four proms – my husband and I try not to think too much about the future. We choose to look as far into the future as “Is there enough wine in this house to get […] More
Mortgages are all the same, right? Wrong; they’re so different just thinking about it gives me a dull ache between my eyes. Mortgages are different in every way, shape and form. I remember when my husband and I were 20 and 21, and we began the process of building our starter home. We were planning […] More
Everyone is talking about cash back credit cards these days. Everyone wants to earn free money for spending money they would have spent otherwise; it’s free! Who doesn’t love free money? The truth of the matter, though, is that cash back credit cards are not usually very useful for the general population. There are some […] More
 I don’t even want to go into detail about the people who owe student loans after graduation. It’s depressing, and I’m having a lovely day I don’t want to affect by looking up depressing information. However, I will tell you that student loan debt statistics are depressing; most people owe them, most people owe […] More