The It Girl’s Guide to Financial Wellness
Master your money with ATB’s It Girl’s Guide to Financial Wellness featuring Alyssa Davies. Get expert tips, trackers, and blueprints to level up your finances!
Get the guideHave you ever wondered how you can become that girl when it comes to your money? Look no further than ATB’s It Girl’s Guide to Financial Wellness 💅
We all know the vibe: on paper you have everything together. In reality, things might be more chaotic. But the ultimate boss move? Having your money work as hard as you do.
Whether you’re saving for your first place, planning a getaway, or just trying to figure out which savings account matches your energy, these blueprints, trackers and tools will help you make it happen.
The best part: Financial Guru, Alyssa Davies joins you along the way to share her perspective on money, because the answer isn’t always simple.
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In this guide, you will find:
This is your foundation for financial flexibility. A healthy credit score acts as a "VIP pass" for lower interest rates on future big-ticket items like a home or car.
- Credit Breakdown: An explanation of how your credit score is calculated and how to improve it.
- Debt Repayment Strategy: Debt repayment strategies (use the Avalanche Method (paying high-interest debt first to save money)) or the Snowball Method (paying smallest balances first for quick psychological wins) and a tracker for creating a repayment plan.
Once your foundation is set, this guide helps your money grow faster than inflation.
- Registered Accounts: Prioritize tax-advantaged accounts like TFSAs, RRSPs, or FHSA (First Home Savings Account) to shelter your gains from taxes.
- Automation (PACs): Set up Pre-Authorized Contributions to make investing effortless and consistent.
- Diversification: Ensure your "eggs" aren't all in one basket by spreading investments across different sectors (tech, financials, etc.) and asset types (stocks, bonds, real estate).
Life happens, and this kit ensures a "rainy day" doesn't become a "storm".
- Emergency Fund: Aim to save three to six months of essential living expenses in a high-yield savings account.
- Sinking Fund: how they differ from an emergency fund
- Insurance Review: Annually audit your life, health, and disability coverage to ensure your family is protected as your lifestyle evolves.
- The "Legacy" Plan: Even if you're young, having a basic will and updated beneficiary designations on your accounts ensures your assets go exactly where you want them.
You can't manage what you don't track. This is the "pulse" of your toolkit. Different options depending on how you plan
- The 50/30/20 Rule: A simple framework and how you can adjust it based on your lifestyle.
- Budgeting spreadsheet: Spreadsheet to track your spending
- Micro-goals worksheet: A spreadsheet to make short-term goals and track your progress.
- Calling all students: adjusting based on your path.
- Subscription Audit: Use our spreadsheet to identify "vampire" subscriptions you no longer use and cancel them immediately.
- Girl Math calculator: a calculator that provides balance on enjoying today but saving for tomorrow.
- Spending tracker: a tracker you can load onto your phone.
- Savings roadmap: Creating an actionable plan based on your saving goals.