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Ruthy Siemens
Feb 213 min read
How to Prepare for Maternity/Parental Leave Part 2: Financial Readiness
This is Part 2 of a 4 part series that you can read on your own or attend an Online 1 hour Workshop with similar information. Email...
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Ruthy Siemens
Feb 215 min read
How to Prepare for Maternity/Parental Leave Part 1
It's been a while since I went on maternity leave and things have changed a lot since then. I can honestly tell you that for the most...
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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...
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Ruthy Siemens
Apr 1, 20233 min read
First Home Savings Account for Canadians! Mix of TFSA and RRSP!
Guess what? Buying a house can be expensive in Canada! *Insert Sarcasm here* According to the Canadian Real Estate Association, Canada’s...
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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...
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Ruthy Siemens
Feb 1, 20224 min read
Free Money for Canadian Families
Did you know that there is new free money for families coming in 2022? Yes! What is it? Let's start with the Free Money that we already...
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Ruthy Siemens
Dec 21, 20214 min read
5 Ways You Might Be Sabotaging Your Budget!
5 Ways you might be Sabotaging your Budget and how to course correct for the future!
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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...
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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,...
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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
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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...
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Ruthy Siemens
Jun 23, 20213 min read
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...
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Ruthy Siemens
Jun 14, 20213 min read
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...
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Ruthy Siemens
Sep 22, 20205 min read
How to Save Money on groceries
As Canadians we pay more for our food than our American neighbors because there are less of us and we are spread out over a great distance.
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