Smart Summer
Spending: Travel
and Projects
Without the
Budget Blowout

Summer is a time to enjoy life—whether that means taking a well-earned vacation or finally tackling that home project. But before the spending heats up, here are some ways to keep your budget cool:

Planning a getaway?

Book midweek for better deals: Flights and accommodations are often cheaper on Tuesdays or Wednesdays.
Use points and cashback: Check if your credit card rewards can offset travel costs—or even cover them entirely.
Set a daily spend limit: It’s easy to overspend while away. Give yourself a cap for meals, outings, and extras.

Eyeing a home refresh?

Stick to one space: Instead of renovating multiple areas, focus on one high-impact zone (like an entryway or backyard patio).
Compare material costs early: Prices for lumber, paint, and fixtures can vary widely. A little research can save a lot.
DIY where it makes sense: Painting, landscaping, or decluttering can go a long way without professional help.

A few more tips to keep in mind:

Build in a buffer: Add 10-15% to your estimated budget—unexpected costs almost always pop up.
Set savings goals, even in summer: A short break from saving can turn into a long delay. Automating contributions keeps you on track.
Talk to us: Whether you’re planning to use credit, dip into savings, or consider your home equity, we can help you make a plan that fits.

Summer spending doesn’t have to mean financial stress. A little planning now can help you enjoy the season—and avoid surprises later.

Halfway Through the Year—How’s Your Financial Health?

With summer in full swing, now’s a great time to check in on your financial goals—especially if you’ve taken on big expenses this year, like home improvements or travel. A mid-year review doesn’t have to be complicated, but it can help you stay on track and avoid surprises later. Here are six quick questions to ask yourself:

Are you keeping up with your payments? If your income or expenses have changed, take a moment to review your loan schedule. Staying on track helps protect your credit and your long-term peace of mind.

Could you be paying down more? Got a little extra room in your summer budget? Even a small top-up can reduce what you pay in interest over time.

Have you checked your credit lately? Mid-year is a good time to review your credit score. It gives you a clear picture of your financial health and may help flag any errors or activity you didn’t expect.

Are there other debts weighing you down? Seeing all your balances in one place can help you make smarter decisions about what to pay down first.

Are your goals still the same? Your financial priorities can shift quickly. Whether you’re saving, renovating, or just staying afloat, knowing where you stand helps you plan your next step.

Do you have a plan for the rest of the year? Setting a few small, realistic goals—like reducing debt, building savings, or creating a buffer—can help you finish the year stronger and with less stress.

Red and White on Your Plate: Easy Canada
Day-Inspired Recipes

Simple, festive, and proudly Canadian—these red-and-white treats are easy to make, fresh, and perfect for a hot July day!

Strawberries and Cream (the easy way)
Skip the fuss and slice fresh strawberries over a bowl of Greek yogurt or whipped cream. Add a drizzle of maple syrup for a little Canadian flair.

Tomato and Bocconcini Skewers
Thread cherry tomatoes, mini bocconcini, and fresh basil onto small skewers. Drizzle with olive oil and balsamic glaze. These mini caprese bites are colourful, healthy, and no-cook.

Watermelon and Feta Salad
Dice watermelon and toss with crumbled feta, mint, and a splash of lime juice. It’s refreshing, salty-sweet, and ideal for a crowd.

Frozen Raspberry Yogurt Bark
Spread plain or vanilla yogurt on a baking sheet lined with parchment. Sprinkle with fresh raspberries and freeze for a few hours. Break into chunks for a cool treat that feels like dessert, but with fewer regrets.

Maple Berry Sparkler
For a non-alcoholic option, mix soda water with muddled raspberries, a dash of lemon juice, and a spoonful of maple syrup. Serve over ice with a few whole berries for garnish.

What People Say About Us

We love what we do, and we hope you do too.
Over the years, Capital Direct Lending has helped thousands of Canadians just like you to realize their dreams. But don't take our word for it.

“We got a deal that made sense.”

“ Our mortgage planner was helpful and understood our needs. Also, we had a quick offer and close - thank you Stephanie! Thanks again to Capital Direct team for giving us a deal that works. ”

Susan M. Victoria, BC

The equity in your home is something that you've worked hard to build. 'Let your house lend a hand' © Contact a Capital Direct mortgage specialist to discover your options.

July Sudoku

5
	1


	4
	7	9

	7
2
	3

4	3	8
	5
		7

	6
7		3
	8

7
	8
5	1	3

	4
		6
	8

9	2
		1


	9
		2

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.

Smart Summer Spending: Travel and Projects Without the Budget Blowout

Halfway Through the Year—How’s Your Financial Health?

What People Say About Us

July Sudoku

Request our new booklet: Borrowing for Success

Smart Summer
Spending: Travel
and Projects
Without the
Budget Blowout