Tiffany Raiford

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.

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in Retirement

The Best 401(k) Advice You Can Get

Investing in your 401(k) is a great idea; you know this. It’s a wonderful way to save money and hopefully retire on time and with a nice little nest egg to your name so that you can enjoy the Golden years of your life. It’s not always easy to understand, though. When it comes to […] More
in Insurance, MYD-Insurance

Yes, You Do Need Travel Insurance

I’ll be 33 in two months, and I’ve been traveling often since I was 21; but I have never purchased travel insurance (or trip protection as it is sometimes called). Why not? Well, to be quite honest, I never really thought it was that important. My husband and I traveled for years before we had […] More
in Real Estate

You Are Making The Home Buying Process More Complicated Than It Needs to Be

Your mortgage is probably the biggest payment you have in your monthly budget. It’s not uncommon considering the fact that your home is probably the most expensive item you own. It’s nothing to be ashamed of; buying a home is the American Dream (even if it seems like the American Dream is quickly changing into […] More
in Personal Finance

The One Thing You Didn’t Realize is Killing You Financially

FOMO. It looks like a dirty word, right? It’s not; well, it is but not in the vulgar manner I thought it probably meant when I first saw it. To be quite honest, the first time I saw the abbreviation FOMO, I wasn’t sure what it meant, but I was entirely certain I did not […] More
in How to Save Money

Never Miss Out on Buying Any of These Items at Thrift Stores

I have never purchased anything from a thrift store. There; I said it. I haven’t, and I likely will not ever at this point in time. You might laugh, but I have this running (inappropriate) thought that things in thrift stores are for those who really cannot afford to shop anywhere else. I’d feel guilty […] More
in Lifestyle

The Most Important Investments You Will Ever Make

Investing in your future is always a good idea, but it’s not always boring and retirement-related. Sure, we believe in the power of investments that are financially responsible such as 401(k)s and stocks and bonds and CDs and all that good stuff, but what really makes me feel good is the kind of investment that […] More
in Business Credit Cards

Business Credit Card Review: Capital One Spark Miles for Business

Do you own a small business or even a major business? If you do, you’re going to get to a point when you realize that a business credit card is everything that you need for more than just a few reasons. It’s imperative to have one of your own, and it’s imperative that you find […] More
in Shopping

Tips to Help You Decide What to Spend on a Computer

Deciding what to spend on a computer is a big deal. In fact, it’s a big deal for everyone; not just those on a budget. For some people, it makes a lot of sense to spend more on a computer than it does others. For example, my husband is an IT administrator for a bank […] More
in Credit Cards

Credit Cards That Will Let You See Your FICO Score for Free

Your credit score is the most important number in your life. It’s the number that determines whether or not you can buy a home or a car, get a loan or get a decent interest rate on any borrowed funds. Your credit score is not something you want to treat poorly or forget is important. […] More
in Personal Finance

Financial Priorities You Should Line Up Before Having Kids

Kids are expensive; and there is no way around that. It does not matter what you do; kids are expensive. I tell my husband all the time I think that all these women who are looking to give birth in their bathtubs and with midwives rather than doctors are just looking for a way to […] More
in Personal Finance

Resources That Will Definitely Help With Your Student Loans

It’s probably safe to say that the hot topic of the moment is student loan debt. No matter what else is going on in the world, it seems that there is so much discussion surrounding student loan debt and what it means for those who have it, who cannot pay it and those who are […] More
in Personal Finance

Financial Lessons We Learned Growing Up that Need to Be Taught Today

I really do love my kids; I promise. It’s just that sometimes they make me want to rip my hair out with my bare hands and run screaming into traffic. There are four of them, one of me, and one of my husband. Except that he gets to go to his office from 7 am […] More

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