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To avoid over spending and accumulating debt over Christmas, stop using credit cards and stick to cash. Start by saving for Christmas gifts throughout the year. When your gift fund runs out, your shopping is done.

I got a 90-percent home equity loan, which was exactly what I needed. The payments are low enough that I have no problem making the payments. If I ever need another loan, I know where to turn!
David G., Calgary, Alberta

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© 2025 Capital Direct Lending Corp. (Capital Direct.ca) - Let Your House Lend a Hand. Capital Direct Lending (Capital Direct.ca) home equity loans, mortgage purchase financing, mortgage refinancing, first and second mortgage options for Canadians. Apply online for a home equity loan or mortgage at [email protected] or contact a Capital Direct Lending (Capital Direct.ca) mortgage specialist across Canada (Vancouver, Calgary, Edmonton, Toronto (Mississauga) and Halifax), and discover the equity value of your home. The information contained in this website is directed only at persons resident and located in Canada.

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