Financial Coach Ruthy

Financial Coach Ruthy Now Go and Be Intentional!

September Budget!I continued my second half of my payment for a Personal Health Coach. Hoping to have my Wellness Spendi...
10/07/2026

September Budget!

I continued my second half of my payment for a Personal Health Coach. Hoping to have my Wellness Spending account cover majority of this expense. It has definitely been beneficial.

I have discovered that I am paying for a lot of health related expenses this past year including physiotherapy and an MRI (which was covered by a Health Spending Account).

Decided to pay for my fourth year of Dance class up front instead of monthly this year.

I usually start my savings goals in September instead of January! Have a couple plans for more renovations and trips this year. Plans to continue providing Living Inheritance money as well.

What is your fall budget looking like?
School fees?
Sports fees?
Winter tires?
Christmas budget?
Insurance renewal?

Dividend Returns!I'm combining both August and September together. August was unusually low but I did sell some Index Fu...
10/06/2026

Dividend Returns!

I'm combining both August and September together. August was unusually low but I did sell some Index Funds and purchased other ones so that may have affected my dividends.

If anyone is looking to start DIY investing, I'm still taking clients who want to learn how to do it on their own without the high fees from banks and financial MLMs.

Investing is like any new skill. It takes patience and time spent learning but always pays back many dividends in life!

August Budget Update!I'm a little late I finally got my piano tuned for the first time in a long time!Made a last minute...
10/05/2026

August Budget Update!

I'm a little late

I finally got my piano tuned for the first time in a long time!

Made a last minute decision to sign up for a Personal Fitness Coach.

Used our Sinking funds for a short family trip to Calgary where we went to see a Soccer Game.

What's your budget looking like for the fall?

08/28/2026

What is an MER and why does it cost you so much money!!

It is money paid to the investment company whether you make money or lose money.

08/21/2026

What to do with Some of our free time!!

Can we turn 15-30 minutes each week into intentionally making decisions about our finances!

Can we afford not to??

08/14/2026

Why have there been so many Gambling ads lately? Gambling doesn't build a financial future! It destroys it!

Budget Update!!This month we were able to go on our holiday to Portugal which we have been planning for several years. I...
08/03/2026

Budget Update!!

This month we were able to go on our holiday to Portugal which we have been planning for several years.

It cost approximately $8000 dollars for the two of us to spend 8 full days in Portugal.

We saved approximately $4000 dollars in hotels and flight costs through credit card points.

We spent $1681 in Flight taxes and seat selection
-$2600 in daily Excursions on a w**e tour, boat rides, a walking tour, a food tour and private transport from Lisbon to Porto with three stops along the way, private transport to Pena Palace and Cascais.
-$200/day on food and restaurants
-$896 in transportation between Bolt rides, train, car rental, gas and a tuktuk ride
-$65 for phone/data
-$100 in Souvenirs
-$200 in miscellaneous and airport food.

What is your August budget looking like?

07/31/2026

Just came back from an 8 day trip to Portugal!

Let me know if you are interested in learning how to save for a trip or what the costs involved are!

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Edmonton, AB

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