A Balanced Household

Last issue, we started out the new year with some steps to financial fitness.
We looked at four key questions to evaluate your overall financial health.

The first question was, how much money do you need to support your preferred lifestyle? No matter what that number is here are some general guidelines to help you balance your household budget.

Approximately 30% of your household income should be set aside for housing.

Approximately 20% of your household income should be set aside for transportation. Keep in mind, where you live will factor into this considerably.

Approximately 15% of your household income should be set aside for food. This one can vary on the size of your family and their eating habits.

Show me the money. The first step is to know where the money is going. Keep track of these three areas - housing, transportation, and food. Total each areas up at the end of the month. After a couple of months, do a reality check and see what percentage of your household income was spent on each area.

Food is likely going to be the one area where spending is much higher. It is also one of the areas that households can make some considerable gains in terms of their financial health. In our next issue of balance we’ll introduce some common ways to budget for your monthly food expenses.

Boost Your Day

Smoothies are irresistible. Simple to make - incredibly delicious. A smoothie is a great way to boost your busy morning, and it's super convenient if you take advantage of your favourite frozen fruit. Here's a fantastic recipe that really packs a nutritious punch.

Frozen Fruity Goodness
1 cup of your favourite frozen fruit
1 fresh banana
1/2 cup of plain yogurt
3/4 cup of orange juice
Blend until smooth and enjoy.

What Our Customers
Have To Say


I received great service, and Greg was informative and professional. We contacted other agencies. Capital Direct worked the best for us. The mortgage payment fits our budget and leaves money left to live on. Thank you very much.
Debra S., Langley, BC

The equity in your home is something that you've worked hard to build. Every month, Capital Direct helps Canadians just like you to realize their dreams. What about you? 'Let your house lend a hand' © Contact a Capital Direct mortgage specialist to discover your options.


Valentine’s Day Super Scramble

  • ETBAEDLLEC OOHLACTECS
  • RMTACNIO SEOMP
  • EESWT TFFAECION
  • LBERAODA WHTRAEEEST
  • ITAENATKRHBG BOTUUQE
  • RTCSEE RSVOEL
  • EVLNINETA ECURSBH
  • ACDYN IKSS
  • ERAFBYRU LEVO
  • IPCDU’S WRORA











1. DELECTABLE CHOCOLATES 2. ROMANTIC POEMS 3. SWEET AFFECTION
4. ADORABLE SWEETHEART 5. BREATHTAKING BOUQUET 6. SECRET LOVERS
7. VALENTINE CHERUBS 8. CANDY KISS 9. FEBRUARY LOVE 10. CUPID’S ARROW

Request our new booklet: Borrowing for Success


How to Borrow What You Need to Succeed Guide

Learn how you can use your home equity to your greatest advantage.
To receive your FREE copy of this informative new booklet, email us at yourteam@capitaldirect.ca with the subject line: “New Guide Request”. Please include your full name and postal address, and we'll send you a copy via Canada Post.

Mortgage Broker Licence Numbers: Ontario 10549 / Admin 11408; BC X026311MMB; Alberta MW-9811291; Nova Scotia 10769862.
Capital Direct is a member of CAAMP, MBABC, AMBA, Vancouver Board of Trade, and accredited with the Better Business Bureau.