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How to Apply for a Student Loan and Grant in Canada
When : before the start of your schooling. Ideally apply 60 days before the start of classes! So July 2025 or earlier! Give yourself...

Ruthy Siemens
Jun 34 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...

Ruthy Siemens
Feb 21, 20243 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...

Ruthy Siemens
Feb 21, 20244 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
Feb 21, 20243 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...

Ruthy Siemens
Feb 21, 20245 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
Jul 3, 20234 min read


How Far Does MyDoh Go?
Free Financial Tech App which provides Financial Literacy for parents and kids.

Ruthy Siemens
May 29, 20237 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
Apr 1, 20233 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...

Ruthy Siemens
Aug 2, 20224 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
May 5, 20226 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
Apr 6, 20225 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...

Ruthy Siemens
Mar 1, 20226 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 21, 20227 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, 20226 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
Feb 1, 20224 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 17, 20225 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!

Ruthy Siemens
Dec 21, 20214 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...

Ruthy Siemens
Dec 15, 20215 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...

Ruthy Siemens
Dec 8, 20213 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,...

Ruthy Siemens
Nov 25, 20212 min read
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