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
- 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...
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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
- 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
- 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
- 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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Ruthy Siemens
- Feb 22, 2021
- 2 min
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...
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Ruthy Siemens
- Sep 14, 2020
- 6 min
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
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Ruthy Siemens
- Aug 18, 2020
- 7 min
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
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Ruthy Siemens
- Aug 11, 2020
- 6 min
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
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Ruthy Siemens
- Jul 7, 2020
- 6 min
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
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Ruthy Siemens
- Jun 30, 2020
- 8 min
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
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Ruthy Siemens
- Jun 9, 2020
- 5 min
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
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Ruthy Siemens
- Jun 2, 2020
- 5 min
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!
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Ruthy Siemens
- May 2, 2020
- 3 min
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.
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