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...
1050
Ruthy Siemens
- Mar 1, 2022
- 6 min
How Do RESPs Get Paid Out?
Registered Education Savings Plans: What are they? How do they work? First, check out 4 Steps to Start your RESP! Some of the concerns...
250
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...
400
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...
2030
Ruthy Siemens
- Jan 17, 2022
- 5 min
What are Investment Fees Costing you?
Who loves fees? I think we can all agree that paying fees is right up there with getting a tooth pulled...at least in my opinion. There...
420
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!
320
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...
270
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,...
370
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
- 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...
1270
Ruthy Siemens
- Jun 28, 2021
- 2 min
First Time Canadian Homebuyers Part 3: Options for Affordable Homebuying
I'll be the first to admit that I had to do quite a bit of research about Canadian Homebuying rules because it's been 16 years since I...
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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...
250
Ruthy Siemens
- Jun 14, 2021
- 3 min
First Time Canadian Homebuyers
I’ll be honest, when we purchased our first home, I knew nothing...absolutely nothing...My husband and I were very naïve. Did you know...
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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...
280
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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Ruthy Siemens
- Mar 9, 2021
- 4 min
Are Women Afraid of Personal Finance?
Why are we as women sometimes afraid to take ownership of our own personal finances? Or at least be equals with our partner or spouse?...
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