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Christine Ibbotson

Christine Ibbotson

St. Catharines Standard

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ASK THE MONEY LADY: Should you buy now and pay later?

ASK THE MONEY LADY: Should you buy now and pay later?

Have you been offered a BN-PL option at a store self-checkout?

12.12.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Accessing disability benefits

ASK THE MONEY LADY: Accessing disability benefits
05.12.2025 1

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Planning for the cold weather to come

As we approach the winter months many of you may have gas fireplaces you are starting to enjoy again and some of you may even be lucky enough to have...

13.11.2025 9

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Using a Registered Disability Savings Plan

07.11.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: When it’s time to pivot

24.10.2025 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Making your money last in retirement

Let’s make your money last as long as you do.

22.10.2025 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Deduct, defer and divide

Dear Money Lady, I know it’s not tax season, but have you got any tips on how to reduce the amount of taxes I pay every year? Carol. Unfortunately,...

22.10.2025 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Deduct, defer and divide

Dear Money Lady, I know it’s not tax season, but have you got any tips on how to reduce the amount of taxes I pay every year? Carol. Unfortunately,...

17.10.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Making your money last in retirement

Let’s make your money last as long as you do.

10.10.2025 7

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Reverse mortgages have their pros and cons

18.09.2025 7

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Tips for returning to the office this fall

20.08.2025 6

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Becoming an entrepreneur

15.08.2025 5

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Planning for your pets

08.08.2025 8

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Taxation on your RRIF

Dear Money Lady, I have two questions – I am turning 71 at the end of this year and I want to know if there is any way I can reduce the taxation on...

31.07.2025 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Taxation on your RRIF

25.07.2025 10

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Getting past the honeymoon phase of retirement

18.07.2025 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Surround yourself with people who support you

There are two kinds of people in business today and in your personal life too.

10.07.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Do your children have affluenza?

20.06.2025 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Afraid you’ll be laid off? Here’s what to do

05.06.2025 10

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Expect the best, but have a contingency plan

If you read my columns regularly, you know I am a big advocate for planning.

23.05.2025 5

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Buying exchange traded funds or mutual funds

Dear Money Lady: I am a new investor, and I wanted to know if I should buy mutual funds or ETFs (exchange traded funds) or should I get...

15.05.2025 10

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Now is the time for women to invest

Dear Money Lady, I am a single mom and wondering how to get started investing. The market right now is really scary with all the U.S. Tariffs and...

07.05.2025 7

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Follow these habits to make it past 85

15.04.2025 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Past recessions tell us markets will recover

11.04.2025 7

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: This downturn will pass

03.04.2025 10

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Retiring during bull and bear markets

I want to ask, for those of you in your 50s or 60s, what’s your plan for retirement?

13.03.2025 6

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Do you have enough for retirement?

Dear Money Lady, I am now finally retiring at 66 after working all my life in retail, since I was 15 years old. I am looking forward to not working,...

05.03.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Adjusting to changes

Dear Money Lady: Are we going into a recession now that U.S. President Donald Trump is planning to enforce all his tariffs and make us become part of...

26.02.2025 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: How the big banks use B lenders

Dear Money Lady: I went to my RBC Bank to get approved for a mortgage on our new home purchase but was really surprised when they ended up giving me a...

20.02.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Handling the ups and downs of the market

I was speaking at a Toronto event a few months ago to about 600-plus seniors and was chatting with a lovely lady after the event who was telling me...

13.02.2025 9

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: What to do if the tariffs move ahead

06.02.2025 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Think of each day as a new start

23.01.2025 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Some people should declare bankruptcy

Dear Money Lady: I am embarrassed to admit this, but I don’t know what to do. I have about $63,000 in credit card debt that I have been trying...

14.01.2025 10

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: The wealthy’s common traits

I have been asked many times how the wealthy save and make money. So, today, let’s share some secrets from those high-net-worth Canadians –...

07.01.2025 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Topping up TFSA in December or January

Dear Money Lady: I have not topped up my TFSA, should I do it now in December or wait until January? Ken.   Great question Ken – I think a lot of...

18.12.2024 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Budgeting over the holidays

I always find it difficult over the holidays to keep the costs down. Have you got any tips for making it through Christmas without spending too...

14.12.2024 5

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Let’s turn lemons into lemonade today

One of my closest friends has never owned a home, always lived very poorly and feels that she has never had any luck in her life.   She looks at...

10.12.2024 5

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Retirement strategies for volatile markets

Readers continually ask me to suggest ways to help them deal with stock market swings.   While we have had somewhat of a difficult year, it is...

03.12.2024 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Tips to start investing

Dear Money Lady: I have just started trading in the stock market on my own (I don’t have that much saved yet) and I wondered if you could give me...

13.11.2024 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Taking over your finances

Dear Money Lady: We currently have an advisor who in the last few years has become more reactive than proactive/transactional – here’s an example:...

06.11.2024 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: The presidential election’s impact on the stock market

Editor’s note: This column was written ahead of the 2024 election day in the U.S.   Dear Money Lady: The stock market is so crazy right now and I...

30.10.2024 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Starting a new business over 55

Dear Money Lady: I was planning on starting a new business venture just before the coronavirus started – I am glad I didn’t, but should I consider...

22.10.2024 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Being a single woman in retirement

Dear Money Lady: Going into retirement as an older single woman is more daunting then I thought it would be when I got divorced 5 years ago. I...

18.10.2024 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Investing to promote environmental change and social justice

Dear Money Lady: We are just starting to invest and wondered if there were any good investments you could recommend. We want something that makes...

03.10.2024 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Financing adult children

Dear Money Lady: My adult daughter and her husband just moved back home to save money and pay off their debt. I was then blindsided when they told...

25.09.2024 1

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Including structured notes in your portfolio

Dear Christine: My advisor suggested I diversify my portfolio to include structured notes and I wanted to see what you thought of them. Thanks,...

19.09.2024 2

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Investing using a ‘collared strategy’

Dear Money Lady: I am a single, retired women with a good stock portfolio, but I worry about what I am invested in. My advisor says that everything...

11.09.2024 4

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: We all have FOMO feelings

My daughter said to me the other day that she had “FOMO” and I was “dripping” in my outfit.   What? I had no idea what she was talking...

04.09.2024 3

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Picking an executor of a will

Dear Money Lady: I am doing up a new will and want to change my executor because I want someone in my family instead of a friend. I am on my own...

28.08.2024 1

Sarnia Observer

Christine Ibbotson

ASK THE MONEY LADY: Buying a home with kids

Dear Money Lady: I want to buy a house with my children, and we would all be on the mortgage. My lawyer has suggested that we do this purchase as a...

21.08.2024 2

Sarnia Observer

Christine Ibbotson