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.
You are the problem. It’s time to face it. If you have a bunch of credit card debt and you’re drowning in it, don’t blame the credit cards. They didn’t cause you to buy things you couldn’t afford. They were in your wallet and you made the decision to take the easy way out and […] More
Credit card rewards are one of the single biggest factors associated with the application process, and many people make it a habit to check the reward programs prior to anything else when applying for a new card. However, it’s not the only factor that goes into the process. What’s important to understand, however, is that […] More
“Getting a credit card is going to ruin your life,” “Credit cards are the devil,” “Credit cards are the root of all evil.” Does anyone else see the irony in all of the above statements that people love to make on a regular basis (noses wrinkled and in the air with a touch of disdain […] More
Credit card fraud is among the most common methods of thievery out there right now. It happens all the time, and most of us have no idea it’s happening. It’s not just the man who takes your card out of your wallet after stealing it, or the person who takes your card number in a […] More
Most people make it a habit to hide their credit cards and try not to use them throughout the month. Wise people, however, use them for their everyday purchases on a regular basis. Those people, you’re thinking, are not wise; they’re in debt up to their eyeballs and they’re in such a state of financial […] More
Why are credit cards important? Believe it or not, you don’t have to have one. However, life is far easier with a credit card than without. The make it easier to rent a car, book a hotel room, plan trips, earn rewards and actually get paid for your shopping. Credit cards have developed a bad […] More
I know you love the idea of free money that you can spend anywhere you want doing anything you want, and I don’t blame you. I love it when someone tells me I can use a cash back credit card all year long and make money with every purchase so that I can eventually turn […] More
One of the most common misconceptions about life is that you cannot possibly save for retirement when you don’t make that much money to begin with. It’s not easy to live on a small income, but many people do it. There are those of us who cannot imagine saving for retirement and living on less […] More
It’s not uncommon to hear someone muse that their credit score is not where it needs to be. Perhaps you have a rough year with work and you were forced to use your card to pay your expenses and ran up your debt significantly. Perhaps you missed a few payments, made some late payments or […] More
Whether you are a new homeowner or you’ve lived in your house for 20 years, I bet there are a few things you haven’t done that you need to do to save money. You already know how to do the basics, such as keeping the thermostat up during the day when you’re not home and […] More
Whoever said money can’t buy happiness obviously never wore a pair of Christian Louboutin stilettos (really, I’m almost not even kidding about this one). Money can’t buy happiness. Money buys material possessions, which are nice, but they don’t create happiness. Money does however, do a great job a buying peace of mind. Who doesn’t feel […] More
What Are Hard And Soft Inquiries? By now you know that your credit score is the most important number in your life. However, you might not know all there is to know about credit inquiries. You know that some of them might drop your score a bit, others don’t and some are unknown. In fact, […] More