Back on the Africa Mercy
Back on the Africa Mercy in Senegal! It's been a long time since I did a blogpost about our time on the Africa Mercy. I've been sending...
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Ruthy Siemens
- Aug 2, 2022
- 4 min
4 Tips for Beginner Investors
Whether you are deciding to become a DIY investor or deciding to go with a financial advisor, please do your research first! I'm not...
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Ruthy Siemens
- May 5, 2022
- 6 min
10 Ways to have a Satisfyingly Fantastically Frugal Vacation!
Vacation anyone? Yes I definitely need one! or want one! As a health care worker during the pandemic and as it continues on within the...
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Ruthy Siemens
- Apr 6, 2022
- 5 min
7 Ways Canadians Can Thrive during Rising inflation!
Food, gas, housing and everything else are going up in price, what do we do!? Recent stats calculate that inflation is now up to 5%! A...
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Ruthy Siemens
- Feb 21, 2022
- 7 min
How to Pay Less Taxes and Get a Bigger Tax Refund
Everyone hates taxes. However taxes are the way that our government is able to provide free healthcare, free education and for all the...
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Ruthy Siemens
- Feb 1, 2022
- 6 min
4 Steps to Start Your RESP!
A couple months ago, I was asked, how much I was setting aside per month, towards my kid's post secondary education. This is lead me to...
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Ruthy Siemens
- Feb 1, 2022
- 4 min
Free Money for Canadian Families
Did you know that there is new free money for families coming in 2022? Yes! What is it? Let's start with the Free Money that we already...
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Ruthy Siemens
- Jan 17, 2022
- 3 min
First Impressions of Mercy Ships
It’s been 10 days and I thought I would describe my first impressions with my five senses Taste: The lunch and dinner is provided by a...
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Ruthy Siemens
- Dec 21, 2021
- 4 min
5 Ways You Might Be Sabotaging Your Budget!
5 Ways you might be Sabotaging your Budget and how to course correct for the future!
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Ruthy Siemens
- Dec 15, 2021
- 5 min
What You Need to Know about Your Canadian Defined Benefit Pension!
What do you know about your pension? Last November during Financial Literacy month, I set about trying to sit down and finally learn...
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Ruthy Siemens
- Dec 8, 2021
- 3 min
High Interest Savings Accounts vs Traditional Savings accounts
What's the difference between a Savings Account and a High Interest Savings Account? Sounds obvious, right?! A traditional savings...
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Ruthy Siemens
- Nov 25, 2021
- 2 min
What is a Sinking Fund and Why Do I need One?
A sinking fund is a fund that includes all the once a year expenses that we sometimes forget to include in our monthly budget. Quick,...
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Ruthy Siemens
- Nov 16, 2021
- 9 min
What is Financial Infidelity? and How Can You Get on the Same Page with your Spouse?
"What is Financial Infidelity and am I a victim or a perpetrator of it?"
Financial infidelity is hiding your purchases and debts from your s
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Ruthy Siemens
- Nov 10, 2021
- 5 min
COVID I hate you! Encountering Hard Times...
Oh man, COVID is such a struggle and I'm still not over it and neither is the rest of the world. I never dreamed that we would get COVID...
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Ruthy Siemens
- Oct 28, 2021
- 7 min
For Such a Time as This...Mercy Ships Onboarding Class
We have entered a weird world of transition this past month. One of our On Boarding class leaders called it a “vacation with God!” They...
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Ruthy Siemens
- Oct 20, 2021
- 4 min
20 Random Facts About Living Onboard the Africa Mercy Ship
In honour of the twenty years that I have been waiting to live aboard Mercy Ships, here are twenty random facts. 1. We get to have church...
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Ruthy Siemens
- Aug 27, 2021
- 5 min
The Final Countdown
The last week of preparing to leave was definitely emotionally taxing. Probably one of the most difficult mixture of emotions between...
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Ruthy Siemens
- Jun 23, 2021
- 3 min
First Time Canadian Homebuyers Part 2: What is the Mortgage Stress Test?
Buying your first home can be super overwhelming and confusing with all the rules and regulations, especially surrounding Mortgage Loan...
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Ruthy Siemens
- Jun 9, 2021
- 5 min
Travel Health Insurance for Canadians
Canada is an awesome place to live! Our healthcare system is fan-freakin-tastic! As a nurse, I know full well the many flaws in our...
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Ruthy Siemens
- Mar 30, 2021
- 5 min
Steps to DIY Investing
Well we took the leap of DIY investing mid-January and it's been an interesting journey so far.
Now, I know why my dad always said, "I don't
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