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

How Can You and Your Family Get in on USDA Loans?

Ask yourself what you know about the USDA home loan process? You think that it’s for those that want to own farms and live in rural communities and do things like that, right? Well, we all thought that at one time or another. However, that is not what these loans are all about. Sure, you […] More
in How to Make Money

10 Out of the Box Ways for Moms to Earn an Extra $500 a Month from Home

We’ve all heard of direct sales and ways that men and women are making a little extra cash around the house, but we don’t all have what it takes or the desire to be a Beachbody coach or a Jamberry representative (nor do we all even understand that stuff to begin with). But that’s all […] More
in How to Make Money

Real Life Strategies That Worked to Make $1 Million the Quickest

Some people believe that saving and saving and saving is the best way to become a millionaire. I believe that winning the lottery is the best way to become a millionaire for most people, but since we have to be in it to win it and we have to have some seriously good luck, it’s […] More
in How to Make Money

Did you Know You Can Make Money Flying Drones? Here’s How

The concept of flying drones might seem a bit out of this world (see what I did there?) but it’s not all that crazy. In fact, there is rumor (I saw it on the news so it must be true, right?) that with the introduction of Amazon’s drone flying service comes the idea that it […] More
in How to Save Money

How You Don’t Ever Have to Spend Money on Magazines Again

Do you subscribe to any magazines? It occurred to me a few months ago when a subscription to Cosmopolitan showed up in my mailbox that I don’t spend much time reading magazines. In fact, I don’t spend any time reading magazines. I had no idea where it came from, who paid for it and whether […] More
in How to Make Money

10 Ways to Earn Money from the Bank that are Better Than Interest

Bank interest rates are notoriously low, especially right now. Few people actually become rich based solely on the interest they earn through their bank account. That’s not to say that earning less than 1% on your savings is not going to make you a lot of money, but you kind of already have to be […] More
in Hotel Credit Cards

The Top Credit Cards to Earn You Free Hotel Stays in the United States

Free nights in hotels are often the best reward anyone can receive. Sure, a nice cash back bonus is nice, but a free hotel stay is nicer. Why? Because not every night in a hotel is inexpensive, and that goes for places you frequent, too. For example, my husband and I have a favorite hotel […] More
in How to Make Money

You’d Be Surprised at How You Can Make Money Predicting the Future

If you had some sort of psychic ability that allowed you to see what would happen in the future, you’d find a way to make that work for you, correct? We all would, I like to think. I mean, let’s be honest, if I could see tomorrow’s winning lottery numbers, I’d use them. And then […] More
in How to Save Money

Creative Ways to Save Money When You Launch a Business

Starting your own business is exciting and it’s scary. It’s scary when someone else is funding it for you, and it’s scary when it’s something you are funding on your own. No matter where your funding comes from, however, it is always a good idea to save money when possible when launching your own business. […] More
in Lifestyle

Five Free Ways to Legally Download Your Favorite Songs

“Honey, seriously? You need to have an iTunes intervention,” is how my husband began a conversation with me a few weeks ago. He mentioned this after realizing that there was something like $60 worth of iTunes charges coming out of our bank account. He thought there was some sort of hacking situation going on, asked […] More
in Credit Cards

Which Rewards Cards Have the Lowest Minimum Spending Requirements?

Rewards credit cards are my favorite because I love free things, and I love free cash. When a credit card says, “Hey you…yeah, you. How about $500 free cash when you sign up for our card?” and you think, “Um, yeah!” with hesitation, life seems pretty good. Of course, that’s before you read the fine […] More
in Parenting

I Don’t Want My Kids Getting Participation Trophies Either

I love sports. I live in the south (okay, Florida, but same thing) and sports are a part of life down here. I grew up participating in cheerleading, gymnastics, softball, volleyball and several other sports, and I love all sports in general. My husband played baseball and he loves football, so our kids will be […] More

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