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When you begin to revamp your yard or garden, there comes a time to decide what exactly you’ll be growing. You’ll want plants that are hearty, beautiful and fragrant to grace your yard.
First, you can begin by planting ground-cover roses. These bountiful, low-growing rose varieties can provide plenty of flowers throughout the year. They tend to be very low maintenance and are drought-tolerant as well. They are great for any garden bed or container garden.
Another hearty favorite is red yucca. This plant can survive in high heat and is incredibly strong-willed. It has a bluish-gray, succulent base with long stalks that shoot up near six fee that bear red-ish, tube-shaped flowers. They are virtually guaranteed to catch the eye of any passerby.
Next, you may want to throw in some vining plants. The classic trumpet vine is as tough as nails and fast-growing. Plant this vine near a trellis, fence or any vertical surface, and let it do its thing. Make sure to prune and maintain regularly; otherwise this beauty can be a bit invasive.
Choose Fragrance & Color
For a fragrant eye-catcher, you may want to turn to a classic English lavender. This plant is good for anything from a walkway border to a rock garden. It flowers throughout the end of spring and into summer and has an enchanting fragrance. There are smaller varieties that are good for container planting, as well as larger varieties that can be a beautiful hedge. When you want to add some great evergreen flavor to your garden, you’ll find purple pixie to be an appropriate addition. Purple pixie is great as a dominant ground cover or as an accent in a tall planter. It has spectacular color year-round.
Blanket flowers are a great choice for perennial color, and they attract butterflies to your garden. They also happen to be an incredibly hearty grower and resist rabbits and deer. They also come in a number of different colors, from bright yellow, gold and red hues. A classic friend to any garden.
With this list of hearty, brilliant and fragrant plants, your garden will be the talk of the town. You’ll have beautiful flowers, enchanting smells and spectacular evergreens all around.
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If you are thinking of buying a home in the near future, there’s one three-digit number that could be oh so important to you. That number is your credit score. Read on to find out how a credit score can affect you and the steps you can take to be sure that your credit is in good standing when you head to apply for a mortgage.
What Is A Credit Score?
Your credit score is checked by lenders of all kinds. Every time you apply for a loan or a credit card, there’s a good chance that your credit score is being pulled to see if you qualify for the loan. Your credit score is calculated based on the information on your credit report. This information includes:
Length of credit history
New credit accounts opened
The areas with the most impact on your score is your payment history and your debt-to-credit ratio. This means that on-time payments are super important. You also don’t want to get anywhere close to maxing out your credit cards or loan amounts to keep your score up.
What’s A Good Score?
If you’re aiming for the perfect credit score, it’s 850. Most consumers won’t reach that state of perfection. That’s, OK because you don’t have to be perfect to buy a house. If your score is 740 and above, know that you’re in great shape to get a mortgage. Even if your score is below 740 but around 700 or above, you’ll be able to get a good interest rate on your mortgage. Most lenders typically look for a score of 620 and above. Keep in mind that the higher your credit score the better your interest rate will be.
What If You Lack Credit History?
Most people should get a credit card around age 20 in order to begin building credit. You can still qualify for a mortgage without a credit history, but it will be considerably harder. Lenders may look at things like your rent payments or car payments. Lenders want to know that you’re a responsible person to lend to.
What If Your Score Needs Help?
It doesn’t mean you’re a hopeless case if you lack good credit. Everything from errors on your credit report to missed payments can be fixed. The most important thing that you can do if you’re buying a home in the near future is to be mindful of your credit. Keep an eye on your credit report and continue to make timely payments. With a bit of focus, you’ll be well on your way to securing a mortgage for the home of your dreams.