Food for Thought

This year, we started out by sharing some tips and best practices for getting your finances in shape. In this issue, we'd like to share an effective way for Canadians to save a little more each month - on the grocery bill.


Canadians spend about $200 a month per person on food, according to Statistics Canada. These estimates do vary depending on where you call home, and they don't take into account eating out. If your household budget for food is much more than the average in Canada, here are some helpful tips to start addressing it.

Make a list and stick to it.
This is the most important
tip that you should turn into
a practice: make a grocery
list and stick to it. It's the
best way to do your
grocery shopping.
According to research
from the University of
Pennsylvania, people who
can avoid impulse spending
can save up to 23% on
grocery bills - so plan your
groceries before you leave
home to go shopping.

Pay attention to price breakdowns.
Sometimes it can be difficult to compare prices - particularly when different products come in different sized packages. Many grocery stores now breakdown the cost of a product per 100 grams, or per unit, making price comparisons simple. This allows you to leave your calculator at home and quickly find the best deal. This is a smart way to shop, and can be a real eye-opener when choosing one brand over another.


Cook meals from scratch.
Making meals from scratch is one of the best ways to save money on your food bill. Typically, the more prepared food is, the more it usually costs. Another important benefit of this tactic is that home made food is usually better for you.

Cook enough for tomorrow too.
Try to cook more food than you need and freeze the leftovers or use them for lunch the next day.
An added benefit is that
avoiding buying lunch at
work can literally save
thousands of dollars
per year in a household
of two or more. When
we become aware of
how we're spending our
money, and diligent
to try to find the best
deals we can, saving a
little extra each
month can really
add up over the year.

Healthy Living

Here's a quick and healthy snack that is great to have on hand.
It needs just 5 common ingredients, but you can always substitute as you see fit.
For example, you could use almond butter instead of peanut, or hemp seeds instead of wheat bran.

Peanut Butter Chocolate Balls
1 3/4 cups oats
3/4 cup peanut butter
1/3 cup honey
1/2 cup dark chocolate chips
1/4 cup wheat bran
Mix together well. Scoop out about a teaspoon
at a time and form into small balls. Store in
the refrigerator.

What Our Customers
Have To Say

We highly recommend Capital Direct to our family and friends. We had already dealt with other banks and were not happy. Our mortgage consultant, Macy, has a well oriented knowledge and we were very satisfied and happy.
Ramon D., Vancouver, 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.


March Sudoku



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8   9
  5 1
  2  
     
9    
    3
1    
3 8 2
5    
  9  
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  9  
4    
  9  
    6
7 2 5
    8
7    
    4
     
  1  
6 8  
6   7
     
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