Saving Money | 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 2: Financial Readiness

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...

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...

7 Ways Canadians Can Thrive during Rising inflation!

Ruthy Siemens

Apr 6, 20225 min read

7 Ways Canadians Can Thrive during Rising inflation!

Food, gas, housing and everything else are going up in price, what do we do!? Recent stats calculate that inflation is now up to 5%! A...

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, 20226 min read

4 Steps to Start Your RESP!

https://www.financialresuscitationwithruthy.com/post/how-do-resps-get-paid-outA couple months ago, I was asked how much was I setting...

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, 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...

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!

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

Ruthy Siemens

Jun 9, 20215 min read

Travel Health Insurance for Canadians

Canada is an awesome place to live! Our healthcare system is fan-freakin-tastic! As a nurse, I know full well the many flaws in our...

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