Put a set amount into your vacation fund each week or month and make extra contributions from tax refunds, bonuses, or raises. (rismedia.com)
If so, the rules let you carry forward the missed contribution indefinitely as extra contribution room for future years. (castlemarkwealth.com)
If she has worked for her employer since prior to 1996, there may be special «eligible retiring allowance» rules that allow extra contributions to her RRSP beyond her regular RRSP room. (moneysense.ca)