top of page
Search
Ruthy Siemens
May 29, 20236 min read
How Far Does MyDoh Go?
**This blogpost is not sponsored by RBC or MyDoh. This is my personal opinion and review of the fintech app.** I would have started...
1370
Ruthy Siemens
May 5, 20226 min read
10 Ways to have a Satisfyingly Fantastically Frugal Vacation!
Vacation anyone? Yes I definitely need one! or want one! As a health care worker during the pandemic and as it continues on within the...
450
Ruthy Siemens
Mar 1, 20226 min read
How Do RESPs Get Paid Out?
Registered Education Savings Plans: What are they? How do they work? First, check out 4 Steps to Start your RESP! Some of the concerns...
510
Ruthy Siemens
Feb 21, 20227 min read
How to Pay Less Taxes and Get a Bigger Tax Refund
Everyone hates taxes. However taxes are the way that our government is able to provide free healthcare, free education and for all the...
8400
Ruthy Siemens
Dec 15, 20215 min read
What You Need to Know about Your Canadian Defined Benefit Pension!
What do you know about your pension? Last November during Financial Literacy month, I set about trying to sit down and finally learn...
1,6990
Ruthy Siemens
Dec 8, 20213 min read
High Interest Savings Accounts vs Traditional Savings accounts
What's the difference between a Savings Account and a High Interest Savings Account? Sounds obvious, right?! A traditional savings...
400
Ruthy Siemens
Nov 25, 20212 min read
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,...
400
Ruthy Siemens
Nov 16, 20219 min read
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
830
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...
1030
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?...
210
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...
570
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
440
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
130
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
350
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
250
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
650
Ruthy Siemens
Jun 9, 20205 min read
How to Merge Two Incomes and Two Dreams Together to Become ONE:
I often tell people that when my husband and I went to premarital counselling, we were instructed to independently fill out a questionnaire
170
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!
910
Ruthy Siemens
May 2, 20203 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.
750
bottom of page