Financial Freedom | Ruthy Financial 2/2

What is Financial Infidelity? and How Can You Get on the Same Page with your Spouse?

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

COVID I hate you! Encountering Hard Times...

Ruthy Siemens

Nov 10, 20215 min read

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...

For Such a Time as This...Mercy Ships Onboarding Class

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...

20 Random Facts About Living Onboard the Africa Mercy Ship

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...

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...

How I earned over 300K in Aeroplan points in One Year!

Ruthy Siemens

May 11, 20216 min read

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

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

Feb 8, 20212 min read

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

8 Reasons Why Whole Life Insurance may not be what you need

Ruthy Siemens

Jan 28, 20216 min read

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...

How compound interest could make you a Millionaire

Ruthy Siemens

Nov 16, 20206 min read

How compound interest could make you a Millionaire

Compound interest is a bit like fire, it can be harmful or helpful for you depending on whether you are paying it or whether you are receivi

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

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

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!

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.