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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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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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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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Siemens take to the Sea...Aboard Mercy Ships!
Finally! after 20 years of dreaming about going aboard Mercy Ships, my family is leaving on this 2 year journey in just under 90 days!

Ruthy Siemens
Mar 15, 20214 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
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What's So Great About Generosity?
How often do we talk about Generosity? We talk about Kindness a lot and kindness and generosity often go together. Can you be Generous...

Ruthy Siemens
Dec 23, 20204 min read
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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
Nov 16, 20206 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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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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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.

Ruthy Siemens
May 2, 20203 min read
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