The Right Foot

Getting off on the right foot is a worthwhile endeavor — especially after the year we’ve all just come through. Maybe you've already started to lay plans for the new year? Or maybe you’ve been thinking about it? No matter what stage you might be at, here’s some useful tips to help you with the process.

It’s not set in stone
It’s critical to keep in mind that plans will undoubtedly change throughout the year — they’re not set in stone.

Define your priorities
Start with one area that you’d like to focus on. Obvious examples of this are health & fitness, or finances. List your priorities with pen and paper and rank them in order of importance. This helps to establish what’s most important to you right now.

Schedule, schedule, schedule
Get it in the calendar. This is key to getting off on the right foot. Consider what essential commitments you’ve already made. It’s also important to factor in holidays, birthdays, and other events — like pro-d days.

Once you have your schedule “pencilled in” you’ll have a better idea of what kinds of projects and goals for the year will be realistic.

This step can be considered optional, but finding the “Why” behind your goals can be powerful. The “Why” will help you determine what is actually a priority. If it is a priority, the “Why” will help you stay focused, and motivated.

Be realistic
Audacious goals can lead to frustration more often than not. If they’re too small, then you might have a hard time developing sincere passion to actually pursue them. A good goal is one that feels like it just might be out of reach, but not unrealistic to achieve.

Don’t forget that you need to set some check-ins. At the very least, at the mid-year point, or even better, quarterly. Is there anything you need to change? Check-ins help to make sure you’re on track.

Exercise grace
Being too hard on yourself can ultimately lead to you abandoning the whole plan. All kinds of stuff is going to happen this year. Some of it will be completely unforeseen — just look at where you were a year ago.

Planning for 2021 is a smart decision and it will help you get closer to achieving your goals.

We hope that this year will be a remarkable year for you!

Simply Delicious

Here’s hoping you had a wonderful holiday season filled with family, food and memorable fun! As we kick-off into a new year we’d like to share a delicious New Year Detox smoothie.

Smoothies have to taste delicious, and with this recipe we kick it up a notch so that it's a super healthy smoothie as well.


1/4 cup frozen blueberries
1 banana
2 kiwis
1/2 green apple
2 cups fresh spinach or kale
1/4 avocado
1 teaspoon ground cinnamon
1 teaspoon ground ginger
1 cup coconut water
Optional: ¼ cup plain Greek yogurt, peanut butter


Add all ingredients to a blender and puree until smooth and well combined.

Tip: To make the smoothie thicker, add the optional 1/4 cup Greek yogurt

What Our Customers
Have To Say

Service was perfect.
Jessica was professional and
answered all questions.
Michelle S., Scarborough, ON

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.

January Sudoku

For many people the first month of the year symbolizes new beginnings and a fresh start. Did you know the name for January comes from the Roman god, Janus. The god is always depicted with two heads. One head looking back on the year before, and the other head looking forward to the New Year!

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

Click here to view the solution

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 [email protected] 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.