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5 Ways You Might Be Sabotaging Your Budget!

Ruthy Siemens

Dec 21, 20214 min read

5 Ways You Might Be Sabotaging Your Budget!

5 Ways you might be Sabotaging your Budget and how to course correct for the future!

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

COVID I hate you! Encountering Hard Times...

Ruthy Siemens

Nov 10, 20215 min read

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...

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...

20 Random Facts About Living Onboard the Africa Mercy Ship

Ruthy Siemens

Oct 20, 20214 min read

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...

Ruthy Siemens

Aug 27, 20215 min read

The Final Countdown

The last week of preparing to leave was definitely emotionally taxing. Probably one of the most difficult mixture of emotions between...

First Time Canadian Homebuyers Part 3: Options for Affordable Homebuying

Ruthy Siemens

Jun 28, 20212 min read

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...

First Time Canadian Homebuyers Part 2: What is the Mortgage Stress Test?

Ruthy Siemens

Jun 23, 20213 min read

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...

Ruthy Siemens

Jun 14, 20213 min read

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...

Ruthy Siemens

Jun 9, 20215 min read

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...

How I earned over 300K in Aeroplan points in One Year!

Ruthy Siemens

May 11, 20216 min read

How I earned over 300K in Aeroplan points in One Year!

So I started playing around with my credit card rewards points and soon realized that the travel redemption could be worth more value than t

Ruthy Siemens

Mar 30, 20215 min read

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

Siemens take to the Sea...Aboard Mercy Ships!

Ruthy Siemens

Mar 15, 20214 min read

Siemens take to the Sea...Aboard Mercy Ships!

Finally! after 20 years of dreaming about going aboard Mercy Ships, my family is leaving on this 2 year journey in just under 90 days!

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

Feb 8, 20212 min read

How to Invest Your TFSA & RRSP

Don't make the same mistake that I did of having an RRSP for years that I was diligently adding money to, but it was never invested in anyth