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RRSP & TFSA Guidelines and How Nurses Can Reduce their Taxes!

Feb 1, 20215 min read

RRSP & TFSA Guidelines and How Nurses Can Reduce their Taxes!

I'm a bit of a weirdo and actually look forward to tax season because I always get a refund which I think is partly due to my RRSP contribut

8 Reasons Why Whole Life Insurance may not be what you need

Ruthy Siemens

Jan 28, 20216 min read

8 Reasons Why Whole Life Insurance may not be what you need

What are the different kinds of Life Insurance available in Canada? Life insurance is kinda sorta boring and confusing but very important...

Ruthy Siemens

Dec 23, 20204 min read

What's So Great About Generosity?

How often do we talk about Generosity? We talk about Kindness a lot and kindness and generosity often go together. Can you be Generous...

How compound interest could make you a Millionaire

Ruthy Siemens

Nov 16, 20206 min read

How compound interest could make you a Millionaire

Compound interest is a bit like fire, it can be harmful or helpful for you depending on whether you are paying it or whether you are receivi

Ruthy Siemens

Oct 5, 20204 min read

To DIY or not to DIY!

Show yourself that you really can learn a new skill! Prove that inner voice wrong!

Ruthy Siemens

Sep 22, 20205 min read

How to Save Money on groceries

As Canadians we pay more for our food than our American neighbors because there are less of us and we are spread out over a great distance.

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

Ruthy Siemens

Sep 8, 20206 min read

Credit Score versus Emergency Fund

some might say un-Canadian, but what if you did something radical and didn’t care about your credit score? What if you never needed to use

Ruthy Siemens

Aug 31, 20209 min read

How to Raise a Financially Savy Teen

Hopefully, by teaching your kids that you have to work hard and have a goal to work towards, this provides their "why," for saving and mitig

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

3 Apps that Can Simplify and Organize Your Life

Ruthy Siemens

Aug 3, 202010 min read

3 Apps that Can Simplify and Organize Your Life

Use these 3 apps/tools to help you to intentionally purchase the things you love and value and intentionally live the life that you want.

10 Ways You Can Pay Off Your Mortgage in 10 Years.

Ruthy Siemens

Jul 28, 202010 min read

10 Ways You Can Pay Off Your Mortgage in 10 Years.

Instead of just paying the bank money and not noticing how much it is actually costing you...SIT UP, PAY ATTENTION and DREAM

What Do Running and Budgets Have In Common?

Ruthy Siemens

Jul 21, 20204 min read

What Do Running and Budgets Have In Common?

If you want to be good with budgeting and wise with your money then you will be! You got this! When you desire to be better at something tha

Ruthy Siemens

Jul 13, 20205 min read

How You Can Live Without Car Payments!

paying interest on anything is a PUNISHMENT for borrowing money, obtaining interest payments is a REWARD for investing money.

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

What Are the Seven Financially Wise Baby Steps?

Ruthy Siemens

Jun 22, 20208 min read

What Are the Seven Financially Wise Baby Steps?

Nowadays I’m all about intentionality! In fact I might be intentionally annoying to my children and my clients about these baby steps.

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