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

    Three Phone Calls That Will Save Big Money Each Month

    It’s 2016, and if you are still willing to accept things at face value without a little negotiation, you need to get with the program. Additionally, if you care what people think of you, you need to get over it. It’s 2016; the world is a different place. Everyone is offended by something that has […] More

  • in Deals and Promotions

    How to Get Up to 60% off at Pottery Barn in January

    Pottery Barn Kids might as well move into my house and take up residence in the bedrooms of our four kids. I have an obsession with their kid’s collection, and it’s everywhere in my house. From our kid’s back packs and lunch boxes to their beds and bedding to their lighting and their furniture; we […] More

  • in How to Save Money

    10 Great Ways to Save Money Each Month

    “I have to find a second job or a freelance or something, because I need to start saving for a trip to Italy and I just don’t have any room in my budget for that,” is the conversation the woman in line in front of me at Starbucks is engaged in with her friend/coworker. Insert […] More

  • in Rewards Credit Cards

    What are the Best Ways to Redeem Points for Merchandise?

    The simple truth is that redeeming points for merchandise is never the most profitable or beneficial way to redeem your miles or rewards points. You’ve worked hard to earn those, and you typically get about half a cent per point on your return. However, sometimes it’s not a question of whether or not you want […] More

  • in Budgeting

    How One Entire Family Budgets on a $25,000 Salary

    Living on one income is often a difficult prospect for many families, especially when that one income is just above federal poverty guidelines for the average American family. A $25,000 per year income is not much. It’s not a livable wage for most people, but there are some who can make it work. In fact, […] More

  • in Travel

    When Will My Airline Elite Status Expire?

    Achieving airline elite status is a big deal; you’re the best of the best and you get a few perks and rewards that only those within the same level of elite status are eligible to receive. Unfortunately, the best things do not last forever. This means your airline elite status will eventually go away, bring […] More

  • in Travel

    Five Great Travel Apps to Keep Track of Miles and Points

    Keeping track of miles and rewards is a tedious and kind of obsessive job if you have numerous rewards and miles accounts. While not everyone does, there are many of us who have rewards accounts with just about anyone we’ve ever used to travel. I have rewards accounts with JetBlue, Delta, American Airlines, Spirit Airlines, […] More

  • in Personal Finance

    The Best Personal-Finance Products and Services of 2015

    When it comes to personal finance services, there are always those better than others and those that simply do not make it onto the list of beneficial services at all. However, the great people over at Kiplinger have given us a list of great financial services that were their top picks for 2015. If you […] More

  • in Personal Finance

    Five Auto Financing Options You Should Consider

    No one loves shopping for a new vehicle. I despise it, myself. I dislike the pushy sales people, the sales talk, the sitting, the driving, the looking at different vehicles that look exactly the same to me. The last time I purchased a vehicle was last year, and it was stressful. I put it off […] More

  • in Stocks

    Five Index Funds You Can Buy and Hold for a Lifetime

    If you want to invest and diversify your portfolio, you should consider investing in index funds you can buy and hold forever. It might sound a little counterintuitive since you typically don’t invest in the same thing and keep that investment forever. That doesn’t sound like much of a risk. Actually, investing in index funds […] More

  • in Banking

    Checking and Savings Accounts That Give You 5% Back

    Checking and savings accounts that give you 5% back do not exist, right? I mean, I’m a woman married to her high school sweetheart, who also happens to be a banker. I should know everything about banking and about checking and savings accounts that give you 5% back, and that is not something my husband’s […] More

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