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 Cost of Living Calculators Worth Using

Cost of living calculators are used all the time, and they’ve become a very valuable internet resource. There are those of us that use them for fun – what would happen if I moved from here to there and changed my entire life in an instant – and those of us that use them to […] More
in Personal Finance

Comparing the Parent PLUS Loan to Alternative Student Loans

Parent PLUS Loans are available to any qualifying parent of a dependent college student, but not every parent who applies for one is going to see an approval letter come through the mail. In fact, sometimes a Parent PLUS Loan is more difficult to acquire than college acceptance, and it leaves parents wondering if they […] More
in Budgeting

The Top Five Online Budget Planners

Everything about budgeting is a good idea, which is why there are so many budget planners on the market. Between budget planner apps, websites and books, it’s often difficult for the average Joe to discern which is the best one, which is the most profitable budget planner and which ones are not worth our time. […] More
in Checking Account

Your Guide To Free Business Checking Accounts

Small businesses need all the help they can get to stay within budget, and that’s where free business checking accounts come in handy. Many small business owners forget to take into consideration that every little bit helps. While some might understand the value of free business checking accounts, others might initially think that something this […] More
in Airline Credit Cards

Shebudget’s 10 Best Airline Credit Cards for 2016

Why choose one of the best airline credit cards to use when booking travel? It’s a question many consumers ask, and the answer is quite simple; the rewards are worth it. Unfortunately, not everyone chooses to listen to this advice, and that means that many consumers are missing out significantly on some of the best […] More
in Airline Credit Cards

Why Southwest Rapid Rewards Points Trump Other Airline Credit Cards

Southwest Rapid Rewards are among the best in the airline industry. In fact, we would go as far as saying that they are predominantly more beneficial and lucrative than almost any other airline rewards points currently on the market. For one, no one can argue that Southwest Airlines offers some of the best and friendliest […] More
in Personal Finance

Is a AAA Membership Worth Paying For?

Is a AAA membership worth it? Yes, no and maybe so. Sorry; I know you’re looking for a simple, black and white, cut and dried yes or no, but there really is not a simple answer to this question. If you really want to know if a AAA membership is worth it, you have to […] More
in Bank Credit Cards

The Best Capital One Credit Cards for 2016

Capital One credit cards have been around since the early 1990s, and they are among the most popular credit cards in the world. Capital One is one of the pioneers of the credit card market so much so that it is quickly became a Fortune 500 company, and Capital One credit cards have helped solidify […] More
in Parenting

When My Child Stopped Calling Me Mommy, Part of Me Died

“I love you, mom,” my four-year-old daughter said with a sweet smile and a kiss as my husband and I were tucking her into bed. My own smile froze on my face and I kissed her perfunctorily before walking briskly out of her sweet bedroom. That’s when I began to cry. It might not seem […] More
in Real Estate

What are USDA Loans and How Can I Get One?

If you are willing to forgo city living in favor of suburban living, a USDA loan might be an option for you. What is a USDA loan, you might ask? It might be a term you’ve heard of but never really paid much attention to, but it is worth looking into if you are buying […] More
in Relationships

I Want another Baby but My Husband Doesn’t

“I want another baby, but my husband is not on board,” was the conversation I had with an acquaintance recently at a gathering. She and her husband already have two kids, and she was ready for a third. However, she confided in me that her husband was absolutely against having another baby and that she […] More
in Credit Cards

What’s the Best First Credit Card for a Beginner?

The best first credit card for anyone looking to begin their credit history and build their credit score is one that you will not use and abuse and one that you will pay off in full every single month. Many young men and women ask about the best first credit card for new applicants once […] More

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