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 Credit Cards

The Easiest Method Imaginable for Lowering Credit Card Interest Rates

Credit cards are a necessary item for most people. It makes it far easier to go ahead and rent a car, book travel and even to know you are protected from fraudulent charges when you are traveling. A credit card is something you should have for things like this, but not everyone has one. Why […] More
in Personal Finance

The Best Basic Financial Habits to Master Now

Bad habits are hard to break and new habits are hard to make. Someone once said it takes approximately 21 days to create a habit, but we don’t know if that’s actually true since experts dispute it. However, we love the idea of creating new habits that are good ones. When you make it a […] More
in Personal Finance

Financial Milestones Every 30-Year-Old Should Have Already Met

Turning 30 is one of the most exciting times in anyone’s life. Some people are hesitant to become excited about this age and then there are people like me; I looked so forward to turning 30. I finally felt that I was an adult. I was also pregnant with babies number 3 and 4, and […] More
in Taxes

When Is it Beneficial For a Married Couple to File Taxes as Married Filing Separately?

There are so many exciting things to look forward to after you get married, but taxes are not one of those things. Unfortunately, they just so happen to be one of the most important financial conversations you’ll have as a married couple. One of the most taxing questions (please, forgive me, I couldn’t help myself) […] More
in TM-Budget Travel, Travel

Tips So Simple For Saving On Airfare You Won’t Even Believe Them

When we went to book 7-round trip flights to Dallas from Tampa to visit my grandmother in October, I was shocked to find that prices were not so bad. They were around $200 per person, and I was ready to book. That’s when a friend suggested that I look into Spirit Airlines. I’d heard of […] More
in Real Estate

Small Changes that Upgrade Your Home Free of Charge

Upgrading your home is expensive. It’s been almost a year and-a-half since my husband and I bought our dream home, and we’ve been slowly fixing it up as we go along. It was move-in-ready, but a few things were not to our taste. For example, the people who built the house did not clear much […] More
in How to Save Money

The Three Most Effective Habits of Successfully Frugal People

Being frugal is something I wish so much I could master and achieve. I don’t have much free time (about 20 minutes at 6 am when I’m drinking my coffee and everyone else is asleep), but during that time I do a lot of reading about being frugal. It’s not the same as cheap; I […] More
in Personal Finance

The Great Babysitter Debate: How Much Do You Pay Your Sitter?

One of the most controversial subjects in the life of any parent is the cost of a babysitter. What do you pay? I’m sure, at some point, you were a teenage babysitter watching your nieces or nephews or the kids of your parents’ friends. What did you charge them? I’m 32, and I remember being […] More
in Taxes

The Truth About Deducting Health Care Premiums and Medical Expenses During Tax Time

Health insurance is something we all need, and it’s no longer something we have a choice to have. Whether we can afford it or not – and most of us no longer find it affordable thanks to the affordable care act – we have to have it. The federal government has decided that they can […] More
in Personal Finance

Five Ways to Fix Your Finances Today

So it’s already March; that doesn’t mean you can’t start a new New Year’s resolution right now. It’s three months into the year, but we like to think that you can start a new resolution to get your finances in order as quickly as possible by doing all the things that you can to improve […] More
in Real Estate

What Do You Really Need to Make to Buy That New House?

There is a certain excitement that comes along with buying a new home, but there is also a bit of fear and anxiety. Can you afford it? Can you make the payments and still enjoy your life? Can you afford a down payment? What is the price of a home in your area? Can you […] More
in Travel

International Travelers Can Save Up to 35% At Hilton Hotels This Spring

Are you planning any international travel at the moment? If you are, you might want to see about traveling at some point between March 11 and July 3. If you are not, you might want to see about traveling at some point between March 11 and July 3. Most all Hilton hotel brands are currently […] More

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