top of page


Search


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

Ruthy Siemens
Nov 16, 20219 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...

Ruthy Siemens
Nov 10, 20215 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
Oct 28, 20217 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
Oct 20, 20214 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...

Ruthy Siemens
Jun 28, 20212 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
May 11, 20216 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

Ruthy Siemens
Mar 30, 20215 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

Ruthy Siemens
Feb 8, 20212 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
Jan 28, 20216 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
Nov 16, 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 14, 20206 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.

Ruthy Siemens
Aug 3, 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

Ruthy Siemens
Jul 28, 202010 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

Ruthy Siemens
Jun 30, 20208 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
Jun 2, 20205 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.

Ruthy Siemens
May 2, 20203 min read
bottom of page