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 Shopping

Bad Shopping Habits to Kick Right Now for Your Financial Future

Do you have bad shopping habits? I know that I do. I’m not perfect by any means, and shopping is certainly my addiction (and my cardio, and my passion, and my favorite way to while away the time). At the tender age of 32, I have had to learn the hard way more than once […] More
in Taxes

Tax Breaks for Taxpayers 50 and Older as of 2015

Are you over 50? If you are, you might qualify for a number of tax breaks when you file your 2015 income tax return. Typically, being 65 or older is when you really begin to reap the benefits of age as it applies to tax breaks, but it is not uncommon for those 50 and […] More
in Personal Finance

What Really Increases Your Credit Score the Fastest

Increasing your credit score is a great way to make sure your financial life is on track as often as possible. However, it’s not always easy to know what you should and should not do to raise your score as quickly as possible. We know that making payments on time and that keeping up with […] More
in How to Save Money

Save Money At the Grocery Store by Avoiding These Traps

Earlier this week I ran into the grocery store to pick up blueberries and grapes, a bottle of wine and subs from the Publix sub shop. This entire endeavor should have cost me less than $50, but ended up costing me over $150. Why? Because I cannot go into the store for three things and […] More
in How to Save Money

Hidden Costs Associated With Renting Rather Than Buying

The age old debate over renting or buying never goes away. While we know that it’s always better to buy than it is to rent, many people fail to realize that renting for even a few years in college is a gross waste of money. That’s why so many parents are willing to pay for […] More
in Fashion

Easy Ways to Make Any Outfit Look More Expensive

Do you ever wonder how some women look so effortlessly chic all the time? How do they manage to make everything they wear look so good? Obviously, it’s because they buy all their clothes at high-end department stores and have plenty of money to spend on beautiful clothing, which is what makes it so easy […] More
in Taxes

Is An Extension of Time on your Taxes Right For You?

One of the most commonly asked questions regarding your income taxes is whether or not it’s all right to file an extension of time. Form 4868 is the Application for Automatic Extension of Time to File U.S. Individual Income Tax Return forms, and it is perfectly legal. This is a form for those who might […] More
in How to Save Money

How to Save 10% On Your Favorite Makeup and Beauty Products

My entire adult life I have been obsessed with Sephora. I prefer to purchase my high-end makeup here rather than in department stores because as a Beauty Insider I get free samples with every purchase, as well as reward gifts when I earn enough points. It’s been my go-to site for more than a decade. […] More
in How to Save Money

Life Skills to Learn Now That Save Money and Time

Life is funny sometimes. Just when you think you finally know everything and that you’ve come so far since you were 20 or since you were 18 or even since you were 25, you realize you still don’t know much of anything. I remember growing up thinking that my parents were strict. I realize now […] More
in How to Save Money

Stores That Offer Free Shipping No Matter How Little You Spend

Free shipping gets me every single time; I’ll spend the additional money to meet guidelines for free shipping every single time because it’s a deal, people. Except that sometimes free shipping is not a deal. I’m an educated, intelligent woman. I know that when I’m ordering 4 pair of my daughter’s favorite black leggings from […] More
in Careers

Resume Mistakes Not to Make When Looking For A New Job

For many, finding a new job is a necessity. For others, it’s something they’d like to do but are not in a big rush since they already have gainful employment and a good job. However, submitting a shoddy resume to a new company is a bad move for any hopeful employee; and sometimes the mistakes […] More
in Taxes

What Happens When You Enter Incorrect Bank Accout Information With Your Taxes

No one is perfect; remember that. We all make mistakes, and we all learn from them. I know that when you are expecting a refund from the Internal Revenue Service after filing your 2015 income tax return, nothing feels like as big a mistake as accidentally entering your bank account information for a direct deposit […] More

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