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.
One of the biggest questions we get around here is how do you even make a cash back credit card worth it? No one is particularly keen on running up their debt and/or buying things they don’t need to make a few bucks in the process, so how do you make it work? What do […] More
IRS Scams It seems that scam artists and criminals have a plan for almost every situation, including tax time. It’s happening more and more frequently every year, and tax payers have to be vigilant about their income taxes, their personal information and your finances. It did happen that the IRS was hacked and the damages […] More
No one is looking forward to the loathed tax day. However, it’s that time of year again and we cannot avoid it even if we try (who wants to pay those penalties?). If you, like so many others, have procrastinated long enough and it’s time to file, you might be rushing. Since rushing doesn’t do […] More
As the date to file your income taxes draws nearer, we find ourselves working against the clock to get our taxes filed and that part of our year behind is. This time, though, does not come without a certain amount of stress and worry. Did I do everything correctly? Did I remember to include everything? […] More
Tax refund time is the most exciting time of the year for many people – not those of us who pay taxes into the IRS, though. It means a big check in the bank within a few weeks of filing your tax return, and that means you have money to spend. While it’s always nice […] More
With interest rates low at the moment, many homeowners are making the decision to refinance their homes in hopes that they can save a few dollars here and there. There is nothing wrong, after all, with saving money on your mortgage. The good news about refinancing is that it is designed to help people save […] More
We probably all have a savings account and a checking account, probably some investment accounts and maybe even our kids have some accounts of their own for their own savings needs. That’s great; we love that everyone is working toward the common goal of financial freedom and success. However, did you know that your savings […] More
So many interesting financial questions have been presented to my husband and me in the past few weeks. I mentioned recently that he’s been with his current company for 15 years, working his way from the bottom to as far up the ladder of success as was possible, and now he’s been purchased by another […] More
Any morning people here? My hand is up in the air. I am a huge morning person, not that this means I get excited when the alarm rings at 5 am. I still hate it, wish it would shut up and die and want to stay in bed forever; but I don’t. I jump up […] More
It’s the most magical place on earth for very good reason. Walt Disney World is a land of magic, adventure, imagination and giddy excitement. It doesn’t matter how old you are, how mature, how sophisticated; the feeling of magic and childlike excitement that fills your body the moment you walk through the gates and onto […] More
Teaching kids the importance of money management is the job of parents; though it would be amazing to see schools implement a program in which students are taught the importance of financial responsibility. Learning to balance a checkbook, manage their credit and debit cards, manage their credit report and remain debt free are amazing mathematical […] More
Shopping is always fun for those who enjoy it, and highly stressful for those who do not enjoy shopping. As the former, I really do enjoy a trip to the store so long as I don’t have to take my kids with me. However, it’s a common bit of knowledge that all stores use flashy […] More