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.
Makeup is personal. I like mine on my face at all times, and I like it classic. I like a subtle smoky eye throughout the day, light highlighting and contouring, a little blush and mascara and either bold red or bright pink lips – it just depends on what I’m wearing. Essentially, I like my […] More
Have you ever heard of the 50/20/30 budget? I’d not heard of it until very recently, and I have to admit at first I was confused. Now that I’ve read a bit more about it, I think it’s a fascinating concept; one that perhaps we should teach our kids as they are growing up to […] More
The Target REDcard is a great card to have if you’re into savings and rewards (and who isn’t?). What most people don’t realize, however, is that there is more to the REDcard than meets the eye. The biggest misconception so many consumers have is all about what the REDcard really is. Some consider it a […] More
Should you use your credit card to pay your rent or mortgage? This is a very loaded question for just about anyone. It’s not an easy to make decision because you never know just what you’re getting yourself into, but we can help you use your credit card to pay your mortgage without ending up […] More
Math tends to be a very favorite subject of some and a much-hated subject of everyone else. Count me in the “I don’t care much for math,” category and call it a day. Numbers do nothing for me past allowing me to balance my checkbook, being able to make calls or send texts or know […] More
The importance of checking your credit report at least once – preferably twice – each year is lost on so many. Your credit report contains the single most important number in your life; your credit score. This is the number that allows you the freedom you need in your life to do so many things […] More
There is nothing as exciting as buying your first home. My husband and I built our first home over a decade ago when we were planning our wedding, and boy did we learn a lot about the process. Even a year and-a-half ago when we bought our dream home, we learned even more; probably because […] More
Having a high credit score is a good thing for reasons aside from just the obvious. Everyone knows that your credit score is the single most important number in your life, and that’s because this number is so telling. It tells creditors if you’re responsible. It tells lenders they can trust you. It tells so […] More
At this point in your life, you know what a credit score is and that it’s very important. In fact, it might be the most important number in your life. However, like most people, you probably put very little thought into what this number actually is, what it means and how it works for you. […] More
In my house the best toothpaste is used for a variety of different things in addition to brushing teeth and freshening breath. It’s quite the handy product. In fact, our 5-year-old uses it religiously to help her make artwork in the bathroom when she’s finished using the potty and washing her hands. She’s brushed her […] More
Credit cards are not the devil that so many people think that they are; but neither are kids. When you stop and think about it, however, kids and credit cards are a lot more alike than you might think. For instance, I spend just as much time wondering if my credit card is going to […] More
How To Save Money In College? Summer vacation is winding down for almost everyone. If you’re in the South, chances are you or your kids are already back to school and ready to tackle another year. Another year of wild parties and super expensive text books, supplemented by Ramen noodle dinners when cash is tight. […] More