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 How to Save Money

5 Tips for Never Paying Full Price for a New Car from a Former Car Salesman

Shopping for a new vehicle is no one’s favorite pastime. In fact, I despise it so much I put it off so long before my twins were born that I thought for a moment we might actually have to figure out how to get the twins and our two oldest girls home from the hospital […] More
in Personal Finance

Three Questions to Ask Before You Take Out a Loan

It’s that time of year again when everyone is making new purchases; new cars, new homes and new everywhere. Whether you are looking to remodel your existing home now that the holidays are over and you have more time, you are looking to buy a new home or you are looking to even just buy […] More
in Credit Cards

American Express is Rolling Out the SimplyCash Plus Business Credit Card in 2016

When a credit card company makes a new offer for some great products, the world immediately seems like a much better place. American Express is good about that; enhancing their offers to ensure that their customers are always satisfied. This week, the credit card company announced that they plan on offering their customers something very […] More
in How to Save Money

How One Man Negotiated Half the Typical San Francisco Rent

When it comes to saving money, it seems that everyone has a great story of their own. However, I’m pretty positive that no one has a better story than Davis Nguyen. In a city where the average rental payment is approximately $3,500 per month (higher than the national average), he managed to score a $2,500 […] More
in How to Save Money

Want to Vacation? Here Are Five Painless Ways to Save $1,000 Before Summer

It’s finally winter here in Florida. It’s 60 degrees today, and we are cold. I’ll be back in the 70s before long, but it’s time for us to start planning our summer vacations and our getaways. This week of cold air gets to us – though we love it – and everyone is ready to […] More
in How to Make Money

Making an App in 7 Easy Steps And For Less Than $200

There’s an app for that; actually, there is not an app for this. Does this mean we’ve found the one thing that there is not an app for? Should we write this down somewhere on a calendar to mark the day we broke app history? Or should we make an app for that? I digress […] More
in Airline Credit Cards

Five Incredible Travel Rewards Credit Card Offers for January 2016

January is always a great time to apply for a new credit card, since travel rewards credit card offers are usually pretty impressive this time of year. Following the holidays and the start of a new year, travel rewards credit card offers become more lucrative than ever. Card companies know people have renewed their vacation […] More
in Personal Finance

Personal Finance Books You Can Get for Less Than $1 on Amazon

If there is one thing that’s always worth purchasing used, it’s a book. After all, it’s always the same; yet a used book is so much better. There is nothing more comforting or refreshing than the feel of gently used pages and a book that’s been loved. Its pages are softer, more pliable, and it’s […] More
in Rewards Credit Cards

Do Hotel Points Plus Cash Awards Create Good Value?

Points plus cash is one of my favorite ways to use my rewards to pay for a hotel room. I stumbled upon this concept by accident when I went to use points I’d accumulated for a reward night last year, and I’ve been using it as often as possible ever since. Before we get a […] More
in Rewards Credit Cards

Which is Better For Lounge Access? Amex Platinum or Citi Prestige?

When it comes to a credit card with an annual fee, many people are happy to look the other direction. No one wants to pay more money than they have to, and that’s a pity. Both the American Express Platinum and the Citi Prestige card are marked as high annual fee cards – both carry […] More
in Travel

Hyatt Makes Diamond and Platinum Status Match Official

Hyatt’s new status match program launched a little more than two months ago with virtually no fanfare. The program was talked about very little, and it wasn’t until last week that the hotel brand decided to go public with information that would change the way Hyatt guests enjoy their stays. Now the company is offering […] More
in Personal Finance

10 Smart Ways to Invest or Spend $10,000

The winning powerball numbers were announced, and it wasn’t us (I didn’t play, so I admit I had no chance to begin with). So we are not all $1.5 billion richer, and that’s too bad. I had a few nice ideas in mind to use $1.5 billion for – because I was miraculously going to […] More

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