Financial Goals | Ruthy Financial

How to Prepare for Maternity/Parental Leave Part 4: CCB & Canadian Childcare Subsidies and Grants

Feb 213 min read

How to Prepare for Maternity/Parental Leave Part 4: CCB & Canadian Childcare Subsidies and Grants

This is the part 4 of a 4 part series that you can read on your own or attend an Online 1 hour Workshop with similar information. Email...

How to Prepare for Maternity/Parental Leave Part 3: RESP Planning

Ruthy Siemens

Feb 214 min read

How to Prepare for Maternity/Parental Leave Part 3: RESP Planning

This is part 3 of a 4 part series that you can read on your own or attend an Online 1 hour Workshop with similar information. Email...

How to Prepare for Maternity/Parental Leave Part 1

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...

Can I work Part time and Retire with a Full Pension

Ruthy Siemens

Jul 3, 20234 min read

Can I work Part time and Retire with a Full Pension

Everyone asks this question! We all want to work part time but collect a full pension. Unfortunately it doesn't work that way! What is...

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...

First Home Savings Account for Canadians! Mix of TFSA and RRSP!

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...

Ruthy Siemens

Aug 2, 20224 min read

4 Tips for Beginner Investors

Whether you are deciding to become a DIY investor or deciding to go with a financial advisor, please do your research first! I'm not...

10 Ways to have a Satisfyingly Fantastically Frugal Vacation!

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...

Ruthy Siemens

Mar 14, 20225 min read

Mercy Ship Miracles Today and Tomorrow

It's still been a hard go of constant battles of transitions, of change fatigue, if you will. Some weeks, we are not sure how we...

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...

How to Pay Less Taxes and Get a Bigger Tax Refund

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...

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...

Ruthy Siemens

Jan 17, 20223 min read

First Impressions of Mercy Ships

It’s been 10 days and I thought I would describe my first impressions with my five senses Taste: The lunch and dinner is provided by a...

Ruthy Siemens

Jan 17, 20225 min read

What are Investment Fees Costing you?

Who loves fees? I think we can all agree that paying fees is right up there with getting a tooth pulled...at least in my opinion. There...

Ruthy Siemens

Jan 4, 20224 min read

Update! What's happening in 2022!

Some of you are probably quite puzzled by what we are currently doing at Mercy Ships right now. Some people think we are currently in...

5 Ways You Might Be Sabotaging Your Budget!

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!

What You Need to Know about Your Canadian Defined Benefit Pension!

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...

High Interest Savings Accounts vs Traditional Savings accounts

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...

What is a Sinking Fund and Why Do I need One?

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,...

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

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