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 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

  • in Mortgages

    Escrow Accounts: Should You Have One Or Not?

    It was only a few weeks ago when I was reading some mail while I had my mom over for lunch during the week of her spring break from teaching. My big girls were at school (different county than my mom’s school) and my twins were napping. I commented that I must have missed the […] More

  • in Shopping

    How to Save Substantially At the Supermarket Every Month

    Grocery shopping is no joke in our house; not even a little. We have four kids, two adults and we frequently have my aunt and her 3-year-old son over for dinner during the week. She’s an unexpected single mother and a teacher, and she is a horrible cook. To help her out a bit, we […] More

  • in Online Brokerage

    The Simple Reason You Might Want to Reconsider an Online Brokerage

    Online brokerages are a huge rage at the moment, and they’ve been steadily increasing their appeal for a while now. While many investors prefer a traditional brick-and-mortar bank, online brokerages are becoming more and more popular each day. One of the biggest reasons that people are looking for an online brokerage with which to work […] More

  • in Lifestyle

    Graduation Gifts by Age: What to Get the Graduate in Your Life

    My husband and I celebrated a special milestone one evening earlier this week. Our “middle” daughter graduated from VPK. I say middle in quotes because she is our sweet and sassy second born, but we also have twins younger than her, so I feel she’s a middle child even though she’s one of four. She, […] More

  • in Mortgages

    Expenses You’re Paying On Top of Your Mortgage When You Buy A Home

    Realtors and mortgage lenders should be required to hand out a pamphlet to buyers – particularly first-time homebuyers – stating all the things that they need to pay for once they close on their home. I’m not talking about doc stamps and closing costs and down payments and mortgage origination fees or any of that […] More

  • in CDs
    , MYD-Investing

    Choosing the Right CD Account for Your Financial Needs

    Who doesn’t love predictability? I thrive on predictability; to the point that when anything does not go my way, according to my schedule and my timeline and my plan on any given day, I’m suddenly discombobulated and out-of-sorts. Fortunately, it does not happen all that often, and that is saying something for a wife and […] More

  • in Lifestyle

    How to Stay Sane as a Parent During Summer Vacation

    Noon today; my least favorite day of the year. It’s when I will ride through the pick-up line with the twins in the backseat dying for a nap since they do go to bed at noon to pick up my oldest daughter on her last day of second grade. The line will be long. Then […] More

  • in Personal Finance

    The Four Biggest Financial Regrets People Have

    Sunday was a lovely day for me and my husband. We took an hour drive down the coast to our favorite restaurant on the Tampa Bay for brunch (Oystercatchers…if you’ve never been, go) with two of our favorite couples. It was a belated 11th wedding anniversary celebration for us, a birthday celebration for another couple […] More

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