Where to Splurge
for a Thriving Yard

Eager to refresh your gardens as the weather warms up? With so many tools, plants, and products available, where’s the best place to invest? Here’s where a little splurging can go a long way.

1. Quality soil and mulch

Healthy plants start with healthy soil. Investing in nutrient-rich soil or compost gives your plants the best foundation, while a good mulch helps retain moisture and suppress weeds.

2. Perennials over annuals

If you’re looking for lasting beauty, perennials are worth the investment. While annuals bloom for a single season, perennials return year after year, making them a cost-effective way to build a lush garden.

3. Durable garden tools

Cheap tools often break or rust quickly. A sturdy trowel, ergonomic pruners, and a high-quality hose can last for years, making gardening easier and more enjoyable.

4. Native and drought-resistant plants

Choosing plants suited to your climate saves money on water and maintenance. Native species and drought-resistant varieties thrive with less effort, meaning a healthier garden with lower costs.

5. Automated irrigation systems

A drip irrigation system or a programmable sprinkler ensures your garden gets the right amount of water without waste. This not only conserves water but also saves time and effort.

So what’s not worth the splurge?

Fancy gardening gadgets, expensive decorative planters, and exotic plants that struggle in your climate often lead to more frustration than results. Stick to quality essentials, and your garden will thrive without unnecessary expenses.

Tax Time Tips for Homeowners

Tax season can feel overwhelming, but a little preparation goes a long way.
As a homeowner, there are a few key things to keep in mind when filing this year.

1. Home office expenses
If you work from home, you may be eligible to claim certain home office expenses. As a salaried employee, deductible expenses can include utilities, rent, maintenance, and minor repair costs. However, mortgage interest and property taxes are generally not deductible for employees. To qualify, your workspace must be used primarily for work, and you need a completed and signed Form T2200 from your employer.

2. Rental property deductions
If you rent out a portion of your home, you can deduct expenses related to that rental income. This includes the interest charged on money borrowed to buy or improve your rental property. However, you must prorate these expenses based on the rental area’s proportion of your home.

3. Energy-efficient home upgrades
Did you make any eco-friendly upgrades last year? Programs like the Canada Greener Homes Grant offer rebates and incentives for energy-efficient improvements, such as heat pumps, insulation, or new windows. While these grants are not tax deductions, they can reduce the overall cost of your renovations.

4. Capital gains considerations
If you sold your home last year, remember to report it on your tax return—even if it was your primary residence and no tax is owed. The Canada Revenue Agency requires this disclosure, and missing it could lead to penalties.

Use Food Colours To Balance Your Diet

Ever wonder why nutritionists talk about “eating the rainbow”? The colours on your plate aren’t just for show—they’re a clue to the nutrients you’re getting. A great way to ensure a balanced meal is to check your plate before you eat. If you see mostly beige (like pasta, bread, or potatoes), try adding a pop of color. Not only will your meals look more appealing, but they’ll also be packed with a variety of essential nutrients!

Here’s how different colours can help you build a well-balanced meal:

RED

Tomatoes, strawberries, and red peppers contain lycopene, an antioxidant linked to heart health and sun protection for your skin.

ORANGE & YELLOW

Carrots, sweet potatoes, and mangoes are rich in beta-carotene, which supports eye health and boosts your immune system.

GREEN

Leafy greens, broccoli, and avocado are packed with folate, vitamin K, and fiber, essential for digestion, bone health, and brain function.

BLUE & PURPLE

Blueberries, eggplant, and purple cabbage contain anthocyanins, which have anti-inflammatory properties and support cognitive health.

WHITE & BROWN

Garlic, onions, mushrooms, and nuts may not be as vibrant, but they’re full of antioxidants, fiber, and heart-healthy compounds.

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.

“Great interest rates and easy application.”

“ “I researched on the Internet and BBB, and Capital Direct came up as the best We paid off high interest debts and increased cash flow.” ”

Jeffrey R. Hamilton, ON

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.

April Sudoku

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How to Borrow What You Need to Succeed Guide

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Where to Splurge for a Thriving Yard

Tax Time Tips for Homeowners

What People Say About Us

April Sudoku

Request our new booklet: Borrowing for Success

Where to Splurge
for a Thriving Yard