Relationships and Finances

May 29, 20236 min read

How Far Does MyDoh Go?

**This blogpost is not sponsored by RBC or MyDoh. This is my personal opinion and review of the fintech app.** I would have started...

10 Ways to have a Satisfyingly Fantastically Frugal Vacation!

Ruthy Siemens

May 5, 20226 min read

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...

Ruthy Siemens

Mar 1, 20226 min read

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...

How to Pay Less Taxes and Get a Bigger Tax Refund

Ruthy Siemens

Feb 21, 20227 min read

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...

What You Need to Know about Your Canadian Defined Benefit Pension!

Ruthy Siemens

Dec 15, 20215 min read

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...

High Interest Savings Accounts vs Traditional Savings accounts

Ruthy Siemens

Dec 8, 20213 min read

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...

What is a Sinking Fund and Why Do I need One?

Ruthy Siemens

Nov 25, 20212 min read

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,...

What is Financial Infidelity? and How Can You Get on the Same Page with your Spouse?

Ruthy Siemens

Nov 16, 20219 min read

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

For Such a Time as This...Mercy Ships Onboarding Class

Ruthy Siemens

Oct 28, 20217 min read

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...

Ruthy Siemens

Mar 9, 20214 min read

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?...

Why I'm breaking up with my Financial Advisor

Ruthy Siemens

Feb 22, 20212 min read

Why I'm breaking up with my Financial Advisor

(warning: this was meant to be in jest and not mean-spirited). Dear Financial Advisor It's a scary step. It's not me, it's you! I know...

Ruthy Siemens

Sep 14, 20206 min read

7 Steps to Prevent Student Loans

Today I'm proposing something different. What if we didn’t have to deal with student loan debt because we avoided it like the plague or lik

Part 2: Ready, Set, GO! Practical Ways to Get Ready for the School Year!

Ruthy Siemens

Aug 18, 20207 min read

Part 2: Ready, Set, GO! Practical Ways to Get Ready for the School Year!

We all know that less stress = a happier family but how can we make that happen? Expectations are a large part of that stress. When everyo

How to Turn Your Family From Frantic to Intentional!

Ruthy Siemens

Aug 11, 20206 min read

How to Turn Your Family From Frantic to Intentional!

In light of the recent school announcement about children in grades 4-12 wearing masks when necessary in schools and on buses starting this

How You Can Transform Your Life in 4 Areas by Budgeting

Ruthy Siemens

Jul 7, 20206 min read

How You Can Transform Your Life in 4 Areas by Budgeting

think that Budgets are misunderstood. Budgets unlock the gateway to behavioural success with your finances! Once you master your budget, y

Financial Mistakes that I have made over the years: my seven deadly financial sins

Ruthy Siemens

Jun 30, 20208 min read

Financial Mistakes that I have made over the years: my seven deadly financial sins

It seems easier and less acutely painful to learn vicariously through someone else's mistakes. My hope, is that you can learn from some of

How to Merge Two Incomes and Two Dreams Together to Become ONE:

Ruthy Siemens

Jun 9, 20205 min read

How to Merge Two Incomes and Two Dreams Together to Become ONE:

I often tell people that when my husband and I went to premarital counselling, we were instructed to independently fill out a questionnaire

How WE got MY Husband prepared to go to University without any student loan debt

Ruthy Siemens

Jun 2, 20205 min read

How WE got MY Husband prepared to go to University without any student loan debt

Anyway, that’s our story of how we made it through university from 2015-2017 and saved and prepared for that great adventure!

Ruthy Siemens

May 2, 20203 min read

Why I Became a Financial Coach

I love to see people winning at life and being successful. I have discovered that money impacts every area of our lives.