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What is a Sinking Fund and Why Do I need One?
A sinking fund is a fund that includes all the once a year expenses that we sometimes forget to include in our monthly budget. Quick,...
Ruthy Siemens
Nov 25, 20212 min read
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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
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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
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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
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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
133
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The Final Countdown
The last week of preparing to leave was definitely emotionally taxing. Probably one of the most difficult mixture of emotions between...
Ruthy Siemens
Aug 27, 20215 min read
222
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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
43
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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 23, 20213 min read
33
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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 14, 20213 min read
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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
Jun 9, 20215 min read
30
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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
454
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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
96
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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?...
Ruthy Siemens
Mar 9, 20214 min read
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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
Feb 22, 20212 min read
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To DIY or not to DIY!
Show yourself that you really can learn a new skill! Prove that inner voice wrong!
Ruthy Siemens
Oct 5, 20204 min read
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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
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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
Ruthy Siemens
Aug 11, 20206 min read
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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
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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
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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.
Ruthy Siemens
May 25, 20207 min read
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