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.
With mortgage rates always in jeopardy of rising, many potential homebuyers want to know when it is the best time to get that application into the lender’s hands. The truth is that there simply is no set in stone right or wrong time to apply for a mortgage, but there are a few different times […] More
My job is to offer you advice; preferably advice regarding things that will make your life easier, more enjoyable and far less expensive. I like to think I’m pretty good at it, and I like to think that I’m good at balancing my own love of the expensive with an additional love of saving money. […] More
Life is filled with problems that we all deal with on the daily, and we should be so fortunate that most of our biggest life problems are very much first world problems. What do I mean? I mean, I complain about the fact that my daughter has competitive cheer practice three nights per week for […] More
Cash back credit cards mean just that; cash back for you to spend on anything you want. Whether it’s saving up for the holidays and cashing in your cash back in time to pay for those Christmas gifts or it’s saving it up to book a fabulous vacation, we love a cash back credit card. […] More
Summer is quickly winding down (thank goodness says this slightly almost crazed mother of four) and back-to-school is right around the corner. That means it’s time for parents to take their kids shopping for the items they need to go back, but it means some parents are looking to pack up their kids and drop […] More
It’s Friday, Friday, Friday…I know that song is just awful; but it really is catchy, isn’t it? I don’t know about you, but by the time Thursday rolls around, I’m done with weekdays and my husband being at work all day long and kids and pants and responsibilities. Of course, I’m a mom so I’m […] More
Confidence is everything. My husband once asked me what I saw in him more than 15 years ago when we were set up on a blind date (kidnapping, really, but that’s a story for another day). He thinks I’m out of his league, but he is oh-so-wrong. He is the most quietly confident person I’ve […] More
My husband and I don’t talk often about retirement. We’re saving for it and being responsible about it, but it’s not really anything we care too much about right now. For one, we’re living a good life right now and enjoying every moment of it. Secondly, we have four small kids so our retirement isn’t […] More
I don’t know how you do it. That’s the sentence I hear most often from people. I’m not even sure they realize precisely what they mean when they say that. How I do what? Live? Survive? Handle raising four kids, working from home and being a good wife and mom? Deep down on the inside, […] More
Health insurance policies give me a headache. As my husband prepares to embark upon a new venture that means switching to a new insurance plan and dealing with all that fun stuff. I mean, didn’t we just go over health insurance plans at the beginning of the year when it was time to renew through […] More
I honestly don’t know why I continue to bring my headphones into the gym with me. The conversations I hear when I’m in there working out alone are enough to make me want to leave my music off and be a nosy neighbor, and I don’t even think I feel that bad about it. This […] More
So many things in life are underrated; some more importantly than others, and some more important to others than to me or you. For one, I think that a firm bedtime and nightly routine is highly underrated for many kids and their parents. It is, simply put, the most important thing we do all day […] More