Financial Literacy 2/2

20 Random Facts About Living Onboard the Africa Mercy Ship

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...

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...

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

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

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

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

How WE got MY Husband prepared to go to University without any student loan debt

Ruthy Siemens

Jun 2, 20205 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!

Part 3: The ‘why’ to the ‘how’ Tools for planning

Ruthy Siemens

May 25, 20207 min read

Part 3: The ‘why’ to the ‘how’ Tools for planning

When you decide to start this journey towards your goal, please remember that it is a marathon and not a sprint.

Part 2: How to make the Goal Your Priority

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