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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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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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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
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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
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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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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
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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
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How to Invest Your TFSA & RRSP
Don't make the same mistake that I did of having an RRSP for years that I was diligently adding money to, but it was never invested in anyth

Ruthy Siemens
Feb 8, 20212 min read
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RRSP & TFSA Guidelines and How Nurses Can Reduce their Taxes!
I'm a bit of a weirdo and actually look forward to tax season because I always get a refund which I think is partly due to my RRSP contribut

Ruthy Siemens
Feb 1, 20215 min read
161
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8 Reasons Why Whole Life Insurance may not be what you need
What are the different kinds of Life Insurance available in Canada? Life insurance is kinda sorta boring and confusing but very important...

Ruthy Siemens
Jan 28, 20216 min read
35
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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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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

Ruthy Siemens
Sep 8, 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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