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 Personal Finance

Is OnStar Worth the Price You Pay for Service?

It wasn’t long ago when a friend asked me an honest question as we were driving to a new restaurant and needed directions. I pushed the button on my dash for OnStar to provide an address and have turn-by-turn directions sent to my SUV. She asked if the price I pay every month is really […] More
in Parenting

Work From Home Moms and Kids in Daycare: Worth It Or A Waste?

Don’t you love a hot-button controversial subject? I cannot tell you how many times someone asks me what I do for a living, which is fine. I write; and I work from home. I am exceptionally busy throughout the day with my deadlines, and I have four kids. My husband works outside the home; and […] More
in Personal Finance

Healthy Habits That Improve Your Life and Your Finances

Part of what we love to do here is help you with your financial life; whether it’s saving money on amazing deals, budgeting or just providing you with simple, informative financial advice. We tell you about new credit cards, about deals, about special savings and we tell you how you can save money doing everyday […] More
in Personal Finance

The Best Financial Advice from Successful People

I am a huge sucker for quotes and for advice that’s being offered. I love them. As a businesswoman working on building my empire and my brand every single day of my life, I like to see if I’m in the right frame of mind. Do I have the same qualities and traits as the […] More
in Lifestyle

Can Focusing On Positivity Change Your Life for the Better?

While I am not much of a complainer in a very serious manner (I prefer to joke about my problems), my life is filled with just as much stress and negativity as anyone else’s. Often criticized for being “perfect” or “Perky” or “blessed without issues,” I have to stop you there if that is your […] More
in Taxes

Tax Tip: Get Free Dessert at Tony Roma’s On Tax Day

Do you love free dessert? Do you love Tony Roma’s? Do you love tax day? Okay, two for three really isn’t bad. Tax day is quickly approaching, and no one is happy about it. Well, I no longer care since I already finished my income taxes for 2015 and sent in my check, but many […] More
in Taxes

Three Ways Student Loans Might Benefit You At Tax Time

Tax time is the worst. Unless, of course, you have student loans. Then graduation and repayment is the worst. I cannot tell you how often I read and hear people say that if they only knew the true cost of student loans before they used them to get through college, they never would have applied […] More
in Credit Cards

Four Tips to Help You Build Your Credit Faster and More Efficiently

Repairing credit and maintaining good credit are topics we often discuss. What we don’t talk about nearly as often is building your credit. On my part, it’s easy to assume that everyone is around my own age and that you’ve already had years to build your credit and that it’s already where it needs to […] More
in Lifestyle

Real Life Habits That Cost More Than We Think

We talk a lot about saving money, and how you can do it. We offer standard savings tips, credit card advice, savings advice and so much more. But sometimes it takes a real-life moment for me to remember that sometimes it is our daily habits that can cost us more than we might imagine. I […] More
in Bath & Beauty

The Three Best Ways to Save Money On Your Beauty Routine

To be quite honest, I am vain. I know that I am, and I have no problem with that. It’s not a narcissistic kind of vain in that I believe I am the absolute most amazing, however. I’m vain in that my mood is legitimately affected by my outward appearance. I have to do my […] More
in How to Save Money

Simple Ways to Save A Little Money During Spring

Spring is here, and it’s beautiful. I say that now that the weather has finally cooled off a bit here in Florida and the high today is only 81 instead of 95 (it’s spring for a week!). It’s the time of year in which most people are comfortable with the weather; cool evenings and mornings […] More
in Personal Finance

What Is The No-Spend Challenge?

Have you heard of the no-spend challenge? I keep seeing it pop up on social media posts on Facebook and Instagram, and I will admit that I am intrigued. I don’t want to call myself a shopaholic or anything quite so extreme, but I don’t think I could do it. I’m of the “tell me […] More

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