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 Deals and Promotions

How to Get a $15 Starbucks Gift Card for $10

I’ll have a grande salted caramel mocha frappucino (when it’s hot) or a venti blonde roast with cream (when it’s cold – which is never in Florida – so when it’s early morning); thanks Starbucks. It’s a weakness. I brew the Bright Sky Blend and home every morning in my trusty Keurig, and I make […] More
in Health Insurance

How to Shop for Health Insurance and 2016 Open Enrollment Dates

Open enrollment dates for 2016 health insurance plans are upon us, and that means the country has but a few months to research, plan and find a health insurance plan that works for our families and our lives, as well as our budget. The problem with open enrollment dates is that not everyone is always […] More
in Shopping

Five Things You Should Know about Gift Cards

Gift cards: Free money. That is all you think you need to know about gift cards until you really know all about gift cards. Perhaps you occasionally wonder if giving a gift card during the holidays or on a birthday seems a bit impersonal (please feel free to give me all the gift cards, I […] More
in Deals and Promotions

Create a Target Baby Registry and Get $60 Worth of Free Stuff

The Target Baby Registry is one I made with each of my three pregnancies; it’s one of the better ones. While I knew I wasn’t in need of furniture and other items from Target, I knew that most people have access to a Target, you can get diapers and wipes and other baby essentials such […] More
in Deals and Promotions

Get 50% Off First-Class Thanksgiving Flights on Virgin America

Looking for Thanksgiving Flights on Virgin America just got a lot more entertaining since the company announced that all first class flights from November 19 to the 27 are half price. The airline recognizes that no one loves the stress and rush of traveling during Thanksgiving week, so they’re allowing their customers to book this […] More
in Shopping

Stores That are Closing Their Doors on Thanksgiving and Black Friday 2015

Thanksgiving is only two weeks away, and that means we all have a lot to do. For example, I need to make a list and go shopping since I host this holiday in my home. I also need to finish making my Christmas shopping list of people to buy for since my husband and I […] More
in How to Make Money

How to Make a Full Time Income as a Stay at Home Mom

$125,000 per year; it sounds like a good number for a stay-at-home mom taking care of her kids all day long, running them to a fro, washing their laundry, cooking their meals, cleaning their houses, handling the bills, being an accountant and a personal assistant and even a nurse and doctor all rolled into one […] More
in Shopping

The Five Best Discount Shopping Days of the Year (Other than Black Friday)

With Christmas approximately 7 weeks ago, discount shopping days are a major topic of discussion. It’s the most wonderful time of the year, yet the vast majority of Americans are facing more stress than ever. Perhaps money is tight and you worry that your kids will feel let down that Christmas is not what they […] More
in Retirement

Should You Use Your Roth IRA Money to Buy a Home?

Using your Roth IRA money to buy a home sounds like a spectacular idea, does it not? You can use your Roth IRA money to buy a home so that you don’t have to bother with details such as saving money, and the IRS says it’s all right. Therefore, it must be a wonderful idea. […] More
in Shopping

Veteran’s Day Freebies to Take Advantage of in 2015

For many, Veteran’s Day freebies and time off of work and school are all that matter. We tend to forget that this is a day, November 11, that marks the end of World War I and honors the men and women who have fought for our freedom at the risk of their own lives, their […] More
in Credit Cards

Do You Earn Points by Paying Off One Credit Card with Another?

Is paying off one credit card with another a great way to earn points or miles? It’s a valid question, and one worth looking into. It would make sense to wonder if paying off one credit card with another is going to earn you points. After all, you are spending money, you are using the […] More
in Airline Credit Cards

How to Win 500,000 AAdvantage Miles and a Cruise

A free cruise and 500,000 AAdvantage miles from American Airlines sounds like a nice concept, but it’s clearly an offer that’s too good to be true, right? Wrong; it’s a great offer, and it’s 100% legitimate. American Airlines is offering their customers a chance to win a really nice prize in the form of 500,000 […] More

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