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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
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...
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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 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...
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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
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...
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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 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
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
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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
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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.
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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
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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
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!
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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.
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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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