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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...
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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...
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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...
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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...
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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...
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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...
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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
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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?...
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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.
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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
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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
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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
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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
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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.
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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
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Ruthy Siemens
May 18, 20204 min read
Part 2: How to make the Goal Your Priority
But when you set goals, there has to be a worthy reason and a true desire to achieve the goal. We’ll call this our “WHY”. Knowing our ‘why
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