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

Five Financial Mistakes Never To Make

We are all imperfect when it comes to money and our finances. We make mistakes. We spend too much here, not enough there and we are simply imperfectly perfect. Ask my husband; he will tell you that we are bad about spending entirely too much when we travel. We have no idea what a budget […] More
in Taxes

Filing Your Taxes? You Need Form 1095 to Prove Your Insurance Coverage

One of the biggest questions taxpayers are asking this year is whether or not they have to prove they had health care in 2015. If you haven’t filed your income taxes just yet, you’ll have to understand how the Obamacare tax information works, the form that you have to have and what happens if you […] More
in Deals and Promotions

Fly From NYC To Mexico City for Only $237 Round-Trip

It seems that everyone is looking to get out of the city and into warmer weather these days, which tells me only one thing; it’s almost spring. There seems to be a bit of unhappiness and impatience this time of year for all those who live in colder weather. They want out and they want […] More
in Budgeting

The Biggest Budget Busters and How to Avoid Them

How is it possible that at the end of each month you are still over your budget and things did not go your way? Your savings is not growing, because you cannot figure out how to keep your spending in track. It’s a never-ending cycle when you cannot figure out what the problem is, where […] More
in Personal Finance

Being Frugal Isn’t a Bad Thing And We’ll Tell You Why Not

There is a huge stigma attached to the word “frugal” in the eyes of many; myself included. There is something about it that screams “Cheap” and not ‘conscious,’ and that’s not correct. Being frugal and being cheap are two very different things, and knowing that might make the idea of being frugal a bit less […] More
in Taxes

Are You Paying Taxes On These Taxable Items?

The good news is that taxes are not always a terrible thing for many taxpayers. The bad news is that they are for some; and you still have to file them. They’re not fun to file, they’re not fun to think about, and it’s never fun to receive a letter from the Internal Revenue Service […] More
in Personal Finance

Does Not Using Your Credit Cards Affect Your Score Negatively?

Understanding your credit score is a touchy subject. It’s almost as if everything changes just as you begin to think that you know everything there is to know about it, and you are left wondering if everything has changed and why this happened. For instance, you’re told that you cannot use all your available credit […] More
in How to Make Money

Have An Opinion? Get Paid to Share It

Anytime I go to add something to my cart online that is not a designer or a brand I usually purchase, I always read the reviews. I read the reviews because I need to know a few things. For instance, I ordered a sweater from Nordstrom last week from a designer I don’t typically wear. […] More
in Credit Cards

How Closing A Credit Card Account Affects Your Credit

You don’t use it anymore, it doesn’t have very good rewards and you simply do not want that old card anymore; but don’t cancel it. People cancel their old credit cards all the time, but it’s almost never a good idea. Some do it so that they can prevent themselves from using the card anymore. […] More
in Life Hacks

Important Tips to Help You Avoid Being Scammed Buying a Used Car

Who doesn’t just adore buying a new or used vehicle? Oh, I see that everyone’s hands shot up; that’s because car shopping is the most tedious, most annoying, most irritating, most frustrating thing you will ever do in your life. I mean, it’s not fun. It’s stressful and there are so many reasons why. Since […] More
in Taxes

Tax Deductions Designed to Save You the Most Money in 2016

Tax time is so much fun, said no one ever. No, that’s not true; people who are due a refund love this time of year. In fact, many people due a tax refund know that they can spend that money on anything that they want and have it mentally spent before it even hits the […] More
in Taxes

5 of the Biggest Tax Filing Myths Busted

Filing your income taxes can be a huge headache for many; for everyone, really. While you certainly do not have to be a tax professional to do your own taxes, it is helpful to understand what it is you are being asked for and what it is you are providing to the IRS as far […] More

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