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 Dental Insurance, MYD-Insurance

Four Smart Ways to Find the Extra Funds to Purchase Dental Insurance

The most genius idea hit me the other day. My older girls had their bi-annual dental appointment last month, and I had a conversation with my oldest daughter’s school secretary about why we feel it’s important to pay for dental insurance. She didn’t get it, didn’t understand why we take our four small kids, and […] More
in Mortgages

Easy Steps to Improve Your Credit Score Before Applying For A Mortgage

Before you apply for a mortgage to buy that dream house you’ve got your eye on, you have to make sure your credit score is up to par. “But, my credit is perfect! I never make late payments, I’ve never had any credit issues and I make plenty of money. I have no need to […] More
in How to Save Money

Little Lies Retailers Tell Consumers To Trick You Into Spending More Money

Stores are dirty liars. We love them, and we seem to be all right with that; but it doesn’t change the fact that they are not entirely honest with the average consumer. Stores want to turn a profit, and that means they’re not usually up to advertising the many ways in which you can save […] More
in Life Insurance, MYD-Insurance

Factors that Might Affect the Cost of Life Insurance in Your Life

Life insurance is a must. If something happens to you, you want your family taken care of. Whether you are the primary source of financial earning for your family or you are a stay-at-home mom who saves the family money by eliminating the need to pay for childcare throughout the day, you need life insurance […] More
in CDs

Why It’s Important to Read the Fine Print Before Opening A CD

When it’s time to choose a place to keep your money, so many Americans are quick to jump on the CD bandwagon. Certificates of Deposit are a great form of savings, but they are not always so easy to understand. Fine print is the worst, and no one likes to read it. I don’t have […] More
in Real Estate

The Least Expensive Ways to Prep Your House For Sale

I have never sold a home in my life. We built our first house during the big boom in 2004. We paid entirely too much for it, we know. However, when we welcomed our twins (babies three and four) into our lives in 2014, we had to buy a bigger home. Since home values still […] More
in Cash Back Credit Cards

Our Favorite Ways to Use the Cash Back Your Credit Card Earns

The best feature of a cash back credit card is the cash back, of course. It doesn’t take a brain surgeon (they are smart, aren’t they) to figure out that receiving cash back for the spending you are doing in the first place is a nice perk to this type of credit card. The best […] More
in Life Insurance, MYD-Insurance

The Benefits of Life Insurance For Those Left Behind

We’ve said it before and we are happy to say it again; life insurance is necessary. It’s a wonderful policy that provides families with a small peace of mind when the worst happens, and it’s something that you cannot deny no matter how you slice it. If something were to happen to someone in your […] More
in Lifestyle

Maximizing Productivity During Summer Vacation

I’m supermom. Maybe you are, too. Or maybe you are one of the moms who doesn’t feel she has her stuff together enough to be supermom. Perhaps you feel discombobulated, out-of-sorts and even as if you are not doing it as well as those other mothers. I’ve got a secret for you; even supermom feels […] More
in Lifestyle

Tips for Getting Back to the Simple Basics At Home

Minimalism does not work for everyone. I, however, am on a personal mission these days to make it more of a priority in my household. I’m not going full minimalist and getting rid of things we love and living off the grid or anything like that. I already have a bad habit of throwing things […] More
in Dental Insurance, MYD-Credit Cards

Is Dental Insurance Really Necessary for Kids?

“Why? Your daughter should spend the last 15 minutes of the day with her class here at school than go to the dentist, don’t you think?” asked one of the women in the office when I checked out my oldest daughter from 2nd grade 15-minutes before the final bell rang. I had to get her […] More
in Mortgages

What Happens If I Can’t Make My Mortgage Payment?

It’s an unfortunate occurrence, but it does happen. I was more than a little shocked recently to listen as a friend of mine told me a family member called her to ask to borrow money. She was a little shocked herself to hear the request and proceeded to ask why this person needed to borrow […] More

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