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.
No one can afford not to have life insurance. It’s too valuable, too helpful and too important to go without. What we hear a lot is that people have so many different – misinformed – opinions regarding life insurance. Some people assume they don’t need it because they don’t work. Some people assume they don’t […] More
When it comes to business credit cards, many people automatically assume that American Express is the company with the best cards. It might be true for many, but not every business has the same credit card needs. It’s all about perspective and where you stand in terms of the cards you need. Do you want […] More
Every so often I’m reminded that my sweet babies are growing up, and I have such a love/hate relationship with that. While I’m so looking forward to the day I never have to buy another diaper or wipe another snotty nose, I’m going to miss these days so much. Our oldest will be 8 next […] More
How’s this for a Tuesday shocker; there are only 28 weeks left until Christmas morning. That’s right; just over half the year to go until we wake up in the morning to tear into our gifts with our loved ones, and it’s not that much time. Sure, it’s June. But wake up, people; June is […] More
The debate whether or not to pay off your mortgage early is not a new one. People talk about it all the time, and everyone seems to have a different opinion. He says yes, pay it off early. She says no, don’t worry about it. Someone else doesn’t care either way as long as it […] More
Opening an online brokerage account is a great concept for a number of people. It is often more profitable and less expensive than opening up an account with a traditional broker since traditional brokers opt to have their investors pay a fee for each trade. With online brokerages, the fees are much lower than with […] More
The next two weeks cannot possibly pass quickly enough for my taste. In two weeks, my husband and I leave with our two favorite couples on a tropical paradise vacation – sans kiddos. That’s right; no kids allowed. We do it a few times a year, but usually just for a night or two and […] More
There are so many different options associated with saving that we cannot even begin to understand them all. However, we can try. We can try to explain to you what it means to have a certain type of savings for your retirement or just as a form of savings in general. One of the questions […] More
I suffer from many bad habits. I know you don’t think I’m perfect, by any means, so this should not come as a surprise. I am not perfect, and my bad habits are numerous. One of my worst bad habits is my addiction to routine. I am so thrown and crazed when things do not […] More
The amazing thing about a Certificate of Deposit is that you can do anything you want with it. You can have it for a long time, you can have it for a short period of time. You can have it in this bank or that bank. You can cash it out at the end of […] More
Ambivalence is my personal feeling about summer. Don’t get me wrong; I enjoy it. It’s just that I love fall to the point that it’s almost unhealthy. I’ve lived my entire 32 years in Florida. It’s always summer here; most all the time. We don’t have spring. We don’t have winter. We have this random […] More
How can I make life a little more affordable? It’s the question people ask more often than any other question imaginable, with the exception of why do I only want Chick-Fil-A on Sundays? The cost of living is high, and it’s often a wonder to me that people can live at all these days. I […] More