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 Business Credit Cards

Why You Really Should Consider that Business Credit Card

To open a business credit card account or not to open a business credit card account; that is the question many small business owners find themselves asking on a regular basis. Do I or don’t I? Should I or shouldn’t I? It’s a great question, and it’s not a stupid question (my parents always taught […] More
in Life Insurance
, MYD-Insurance

Figuring Out What You Need in A Life Insurance Policy

Life insurance is one of those things no one really wants to talk about. I don’t like to talk about it. It’s not something that makes me feel comfortable or good in any way. In fact, it makes me feel slightly depressed. Life insurance has a way of reminding us of our mortality and the […] More
in Car Insurance
, MYD-Insurance

The Craziest Ways People Save Money on Their Car Insurance

Scratching something into the windows of my car sounds a lot like something my 5-year-old might do. She’s been known, after all, to draw on her bed, her walls, her curtains and her doors when she cannot find paper. She does this by slyly asking us if she can color in her room. We, thinking […] More
in Personal Finance

Why You Do Need A Good Credit Score Even if You Don’t Use Credit

An excellent credit score is important. Perhaps if you have cash to pay for everything in life, it’s not that important. However, it’s important even if you do have the cash for things like that. Even if you never plan on using credit for anything over the course of your entire life, you still need […] More
in Dental Insurance
, MYD-Insurance

Paying For Dental Insurance is Worth it For Many Families

Did you know you should take your children to the dentist as soon as they get their first teeth? I consider myself a good parent, but I’m not going to lie and tell you that we did this with any of our four kids; we did not. I don’t take my kids to the dentist […] More
in Budgeting
, MYD-Budgeting

Budgeting For Dummies As Told By a Budgeting Dummy

I’m not that great with a budget. I’m good at portions of it, such as making sure all our expenses are paid and things of that nature, but after that I don’t see any real point in bothering with a budget. We’re already saving, right? Why keep budgeting once all that is cared for? To […] More
in How to Save Money

How I Bought My Brand New Car and Managed to Get A Dealership to do it All My Way

Not many people love the idea of shopping for a new vehicle. To be completely honest, it’s just not fun. Let’s not even get into the fact that no one loves a car salesman. No one loves to fill out paperwork and provide their phone number and email address to every single vulture on a […] More
in Health

How My 97-Year-Old Grandmother Stays in Killer Shape and For No Money

Sadly, I lost one of my grandmothers last summer. That leaves me with only one; my paternal grandmother. She is 97-years-young, and I do mean young. That woman is remarkable. She lives on a farm in Texas where she has, at last count, something like 19 cats and dogs, she has dozens of chickens for […] More
in How to Save Money

Four Exceptionally Easy Ways to Save $1,000 This Year

The hardest part of anything is the part where you have to actually take action and get started. I promise you that I feel this way every single day. I linger over that first cup of coffee like it’s my business, not in the mood to get up and start getting ready an hour after […] More
in How to Make Money

Maximize Your Yard Sale Profits with These Invaluable Tips

I adore my neighborhood. It’s the place my husband and I dreamed of living from the time we were first dating almost 15 years ago. The houses are big and beautiful, the land is expansive, the community is just perfect all the time. What we love even more about it is that it’s a neighborhood […] More
in How to Save Money

How to Make Any Gift Seem More Expensive Without Spending A Fortune

This coming weekend is a celebratory weekend in our home. It’s our eleventh wedding anniversary; a very big one. Why? Because we think all our wedding anniversaries are big ones since we get to celebrate yet another year together that we get to have fun, do life and just experience all the things that are […] More
in How to Save Money

Style Secrets of the World’s Most Fashionable Women that Complement Any Budget

As someone who is a probable slave to fashion, and always has been, I adore shopping. I know that everyone has a different budget, and that not everyone can or wants to spend the money required to buy designer items. I love a challenge; finding a designer item on sale, finding something that is perfect […] More

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