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Tips for Lawn Care and Lawn Fertilizer

Tips for lawn care and lawn fertilization – ecological, cheap, and effective. Remove molehills, mow properly and fertilize correctly: This is how you get your lawn off to a good start in the warm season.

The first really warm rays of spring are appearing. It’s high time to take care of the lawn in the garden, which has been badly damaged by the winter. Proper preparation and care of the lawn in spring guarantees healthy and even growth of the lawn. In order to keep the lawn healthy and strong in the long term, certain things must be observed when mowing, raking, and fertilizing.

Prepare the lawn properly

Before you can start the actual lawn care, you have to free the lawn from remaining leaves, weeds, branches, and moss. So thoroughly rake the entire lawn. Especially under many branches and foliage, damp spots are increasingly forming, which should later be drained when mowing.

Here you could come across moss that interferes with mowing. Remove the moss if possible, otherwise, the moss plants can crowd out the lawn plants over a longer period of time. You may need to use a scarifier to remove the moss plants from the soil. Other (dead) plant parts are also removed. No new moss can then grow at this point.

Remove Molehills

It also happens that you encounter a previously hidden molehill. If it bothers you, first remove the visible part of the mound. Then you can close the entrance with the remaining material. It is best to tread down the loose soil a little afterward, otherwise, it can be washed away quickly in the next downpour.

Lawn mowing and lawn care

All disturbing remnants of autumn and winter removed? Then you can start mowing. The first time between March and April is ideal. If it was a particularly mild winter, you can also mow the grass for the first time before these months. Feel free to mow a few inches (3-6 cm) away from the first layer of grass.

Scarify and prevent weed infestation

Similar to mowing the lawn for the first time, you should start scarifying as early as March. The blades of the scarifier may only penetrate a few millimeters into the ground, otherwise, they destroy the lawn too much and you want to take care of your lawn. At the possibly bare spots, you sow here, and only here for the time being. Remember to give the new lawn a good watering afterward.

So that the entire lawn area remains free of weeds and moss for the next year, we recommend liming the lawn. Lime is basic, while weeds and moss prefer acidic soil. This will prevent a further infestation with weeds and moss. In addition, you regulate the pH value of the soil. Before you start fertilizing, the lawn should rest and aerate for a few days.

The use of lawn fertilizer

Now that the lawn has been adequately cared for and aerated, it is time to fertilize the lawn extensively. The lawn, which has been strained after the winter and mowing, now needs all kinds of nutrients in order to recover. Make sure that the lime has completely seeped into the ground. You can then fertilize the entire lawn. You should spread the lawn fertilizer evenly over the area. If you are experienced, you can spread the fertilizer freely by hand. If you still have trouble distributing the fertilizer pellets evenly, you should use a fertilizer spreader.

Alternatively, you can of course use your own finely ground compost if you don’t want to buy and use industrial fertilizer. You will also find the very best home remedies for plant and flower fertilizers as well as for instructions on how to make potting soil yourself on our website.

The right time to fertilize the lawn

Prefer overcast days when it is already obvious that it will rain soon. When it rains soon, the fertilizer nutrients are transported into the soil and can be quickly absorbed by the lawn. Fertilizing in sunny weather is not recommended.

After fertilization, the lawn should be protected. Another raking, raking, or scarifying immediately afterward will only damage the lawn. Wait 1-2 weeks after fertilizing to rake or scarify the lawn again. Otherwise, it can lead to complications in the growth of the lawn. The fertilizer activates growth hormones and the metabolism of the plant. Disrupting this process is therefore not recommended. If you pay attention to this, you will soon have a perfectly manicured, beautiful lawn again!

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3 Tips for Renovating and Refurbishing the Bathroom

If you want to renovate your bathroom or even renovate your bathroom, you have to consider a few things. The size of the room and your taste in furnishing play an important role. Great bathroom inspiration will help you to ensure that your bathroom renovation and refurbishment are a success.

A bathroom refurbishment or refurbishment requires a lot of work and time. But it can be worth correcting defects in the bathroom and creating a great oasis of well-being. Therefore, we have collected tips that can be helpful for bathroom renovation.

Renovate or refurbish the bathroom?

A bathroom is a place where we spend time every day. And for many a place to relax, where you can take a long, warm full bath after work. But most bathrooms only offer little space and after some time there are defects that need to be fixed. Then it is time to renovate the bathroom or even for a bathroom renovation. The main difference is that a bathroom renovation is far more intensive and defects are repaired. Meanwhile, a bathroom renovation aims at beautifying the bathroom, so more of a superficial renewal. Renovating the bathroom is therefore an option if there are no deeper defects, such as mold or moisture. Tenants should also note that certain cosmetic repairs should be borne by the landlord.

Great bathroom inspiration

If you have decided on a bathroom renovation, you should plan exactly what, how, and when should be done beforehand. Creative bathroom inspiration from the internet will help you with this. Because even the smallest bathroom can become a beautiful feel-good place where you can relax. For this, you should consider which colors you want to use in the bathroom or even which theme you find appealing. Would you like to keep your bathroom in beige tones? Or do you want to create a jungle atmosphere with shades of green and wood optics? Or do you like something more classic in shades of blue and homemade sea decorations?

Save money on bathroom renovations

After you have been inspired, you can start planning and organizing. Because if you plan well beforehand, you can save a lot of money when renovating the bathroom. As a result, you should consider what you can do on your own and what you leave to professionals. This is particularly important when renovating a bathroom. But even when renovating a bathroom, work can be done that might be better done by craftsmen. The following tips will also help you save money during a bathroom renovation. In addition, also note creative ideas for redesigning the bathroom and the helpful instructions for cleaning the bathroom.

  • Planning is essential, so you can determine what you need and, if necessary, buy bathroom fittings on sale or refresh furniture that you already have.
  • Become a handyman yourself or hire friends who are talented in the arts. This is because high costs can be effectively saved in this way.
  • Compare prices. If you want to refurbish or renovate your bathroom, it is advisable to compare the prices of craftsmen and materials and then choose the best value for money.
  • Think sustainably. This means thinking about functionality for old age and also considering environmental protection in the home and in facilities that you can use to save water and electricity.
  • Choose convenient facilities. That doesn’t mean it can’t be beautiful too. But you should consider what is really necessary and what is not.
  • Claim costs for tax purposes. For this purpose, find out beforehand which costs and to what extent you can claim them. So you can save a few euros when renovating the bathroom.

1) Design vs Functionality

When refurbishing or renovating a bathroom, you should not only pay attention to a beautiful design but also think about the future. Because as we get older, the bathroom must also fulfill a certain functionality. Because when the bones become weaker and the movements hurt, the bathroom still has to be designed in such a way that it can be used alone and without outside help for as long as possible. For this reason, attention should be paid to these points when designing the bathroom. Also, note helpful tips for cleaning the shower cubicle.

  • A (walk-in) shower is preferable to a bath if there is no space for both facilities. Since this is more accessible with age. Overall, the bathroom should be barrier-free.
  • Secure footing on all surfaces. Tiles that are not too smooth should not be chosen for this and space for future brackets should be considered.

  • Choose drawers for the bathroom furniture. Because these are more practical than cupboard doors and can be easily extended. They give you a clear view of the inside.
  • Less is more and this is particularly noticeable when space becomes important in old age, for example, to be able to maneuver in the bathroom with the walker.

2) Renovate and optically enlarge a small bathroom

If you want to renovate your small bathroom and make it look bigger, then there are a few tricks that will help you. On the one hand, daylight can optically enlarge your bathroom. So keep the window as clear as possible. If you don’t have a window in the bathroom, try lighting the room appropriately and hanging a large and clean mirror. You should also use light colors, although colors can also make a small bathroom look very cozy. Likewise, avoid strong contrasts and too much decoration. Because that can quickly become overwhelming. A few large pieces of furniture with lots of storage space are perfect for your bathroom renovation.

3) Tips for a bright bathroom

When renovating the bathroom, you should not only think about daylight and bright colors but also about a glass look for the shower stalls. Because this is also a great bathroom inspiration for small bathrooms. This glass barrier makes the bathroom appear larger by allowing a wide view. To ensure a little more privacy, there is frosted glass or decorated glass. Also, read useful tips for wallpapering and tricks for storing paint rollers after painting.

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6 Tips for Effective Learning with Self-Organization

You never stop learning! Therefore, it is important to learn to study properly. This way you can retain the learning material in the long term and are well-armed against exam stress. Consequently, use the strategy of self-organization and automatism for effective learning.

Self-organization in learning at a glance

But what is the best way to learn? Everyone should ask themselves this question in order to develop individual learning strategies based on their own learning experience. Certain learning aids can be useful here, which ultimately promote success decisively. Your own organization is the most important thing when learning effectively. You should prepare the learning material in a structured way. You can do this as follows:

  • Create an outline for clarity.
  • Reduce the learning material to the essentials in a summary in order to identify the main points.
  • Make checklists so you don’t forget anything important.
  • Write down and define technical terms that are difficult to access on individual index cards so that you can query them yourself.
  • Prepare a graphic preparation of the material so that the logical structure becomes clear again.
  • Go through the subject matter several times; Reps are important.

Tricks for lifelong learning with success

In addition to the brief overview, we would like to give you more detailed advice on learning correctly and effectively. You should try everything out to see which learning methods are particularly helpful for you. There are also different types of learners since several sense organs are involved in the learning process. It may be the case that a sensory organ is particularly active during the process. But in reality, there are also many mixed forms. As a result, we have an overview of the predominant types of learning.

1) Work with organization and a fixed learning plan

The first step in learning to learn starts with the right organization. In the exam phase, a lot of learning material from different subjects usually comes together. Then it’s time to keep calm and create a learning plan. This way you don’t panic and can work through everything little by little. It is also good to prepare the content during the semester so that you only have to repeat everything during the hot exam phase. Also, read how you can overcome your weaker self.

2) Effective learning with notes and questions

During the first learning round, you should mark important passages in the text. Then go through the marked passages again and formulate questions and answers. You can also record simple hints or comments on index cards. Then go through the cards again from time to time instead of letting them disappear into the drawer. The better you get, the more you can increase your self-confidence.

3) Preparation of the learning material

Depending on what type of learner you are, you can prepare the learning material differently. Then your brain processes the learning material particularly well. So put information in a sketch, create a lesson plan, speak it on your phone, or share what you’ve learned with your family or friends. Pretty much all means are allowed that support your learning type or mixed forms in effective learning. In addition, note tips for more organization in everyday life.

4) Schedule fixed times for proper learning

You should also schedule fixed study times. Studying is very time-consuming and effective learning is quickly put off. But if you study regularly, that can’t happen to you. Thus, make studying a habit and reduce stress at the end of the semester. You may be able to make appointments with your friends.

5) Studying before bed helps

If you review the material before you go to bed, it will be remembered well because two properties of the brain are used in this case. On the one hand, the brain processes most of the learning information directly after learning and, on the other hand, particularly well during sleep at night. Also, note a healthy sleep and tips against sleep problems.

6) Take short breaks more often when studying

The brain cannot continuously store information. Sometimes it needs a short rest phase to be able to save again. Therefore, occasional short breaks during learning are recommended. Likewise, short, regular repetitions of the material are more successful than cramming for hours. Also, note efficient tricks to learn math better.

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Tips for an Insect-Free Household

Clever insect control tips for an insect-free household. Why aren’t insects considered pests? Because they simply have no place in the house. They are not particularly aesthetic, paralyze the workflow in the home office, become very annoying very quickly, and also multiply uncontrollably.

Control and get rid of insects

Depending on which insect it is that is bothering you, it can also transmit pathogens or cause allergic reactions in humans and animals. They also leave their unsightly poop marks on stylish lampshades and blinds, which is at best a hassle and at worst impossible to remove. Having a squished fly stuck to the pristine white roller blind is a decorative element in the living room that you can certainly do without. So what can you do to get rid of the flying and crawling animals and ensure an insect-free household? With the following tips, peace will finally come into your home.

1. Spider to go for an insect-free household

If there are one thing spiders absolutely hate, it’s the smell of mint. With a simple mixture, you can mix a magic potion, which you spray with a spray bottle wherever the eight-legged crawling creatures make their way inside the building. Ideally, you should use fresh mint, which you can either grow in the garden or on the windowsill or buy in the supermarket. Cut the mint leaves into small pieces, add some disinfectant and fill up with a little water. Give it a good shake and start spraying – you’ve never seen eight legs run so fast before. This is due to the essential oils present in mint.

2. Essential oils against mosquitoes

A great, 100% natural solution that’s proving to be extremely sustainable for a bug-free home is a fragrance spiral that you can use with the window open. It consists of pure essential oils and you can put them in a small terracotta bowl, like those used for burning incense. The mixture of lavender, vetiver, lemon, camphor, eucalyptus & Co. smells wonderful and ensures that mosquitoes retreat on their own. An alternative is a scented lamp, to which you can add a natural oil. Lemongrass and cloves are particularly good for this. Scents also help you fight moths.

3. Deprive fruit flies of their natural habitat

Probably the simplest option when it comes to preventing insects from entering is to deprive them of what they need to live and reproduce. Therefore, avoid watering your plants excessively and ensure that no watering can water or other open water sources exist in your household. Eggs for larvae tend to be laid on the undersides of foliage, which can be avoided by watering less. In addition, you should not leave any fruit or other food uncovered, but rather put them in the fridge. Also, read tips on driving fruit flies away.

4. Insect-free household with a red card for ants

If you have discovered an ant trail in your home, you can interrupt it naturally. You should know that the ant trail carries a scent trail that guides ants to their food source. The confusion here causes an adhesive tape, which you stick across the street. You can also use cinnamon, garlic, or vinegar, or thwart the ants with a piece of chalk or a strip of Vaseline (depending on the floor covering). As a prophylactic, you can spread some coffee grounds where you foresee an ant invasion. The odor is perceived as very strong by ants so that they retreat in an orderly fashion. Also, note our ideas for building ant traps.

5. Rainy day for wasps

Are you currently in the home office and want to concentrate on your work? The buzzing of wasps almost gets on your last nerve. Just simulate a bad weather front and the problem will soon go away on its own. For this, you take a spray bottle, which you fill with tap water. When a wasp attacks, you spray the water. The wasps now assume that it is just beginning to rain. This alone is reason enough for her to head home to her wasp burrow.

6. Live trap for fruit flies

Saying goodbye to fruit flies doesn’t mean you have to kill them. You can either buy a live trap online or make your own live trap. The fruit flies head for their target through a small hole in a funnel or foil, but cannot find their way out of the live trap. A ripe piece of fruit serves as bait, which you should replace every few days. You release the fruit flies on this occasion.

7. Taming large calibers

Whether it’s the bigger flies or the protected hornets, having insects like these in your home is no fun. A fly screen ensures that you can ventilate without regret. If flies tamper with the fine mesh grid, they will not be able to get through to you. It is particularly advantageous that smaller open gaps can also be covered in this way.

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8 Tips for Tidying up and Creating Order

Creating order helps you to feel more comfortable in everyday life. Because you can relax better in a tidy home. So use clever tidying tips and new methods to tidy up and have more free time for yourself.

A tidy home for more well-being

Many people are employed and, in addition to work, children, and leisure time, they also have to manage the annoying household chores. This often creates chaos and you quickly feel drained. But with simple tricks, tidying up doesn’t feel so difficult anymore and you can find the right motivation.

A tidy home in which we feel comfortable is important in order to be able to relax and recharge our energy reserves. Because your own home should be a feel-good place where you like to be and feel safe. But if this is not the case, your own apartment can quickly trigger a feeling of discomfort. It helps to create order so that you feel comfortable in everyday life and in your apartment. Therefore, heed our tips for tidying up:

1) Clean up in small steps

Many people do housework on a given day and leave work until that day. For example, during the annual spring cleaning. But that’s a huge mountain of work. Consequently, it would be better to do the work in small steps and on different days. This keeps you motivated and gives you more time for yourself. So start cleaning up where you can do most of the work quickly and easily. Read also valuable tips for a relaxed spring cleaning.

2) Assign fixed places and clear them away immediately

Things and clothing are often quickly dumped in places where they don’t belong. And excuses are easy to find. Because lack of time is the most common reason here. Therefore, everything in your household should have a fixed place. Very important: everything is put back in this place immediately after use. Without exception! Then creating and keeping order will no longer be a problem for you in the future and save a lot of time. Also, note our tips for cleaning up after parties.

3) Create an order with storage boxes

Storage boxes or similar also help to quickly create order. Many objects find a permanent place here and can quickly disappear from view. So your home will look tidy in no time. And such storage options can be easily designed in everyday life. There are also clever storage space ideas in different colors and shapes. You can also motivate your children to put away their toys properly. You can also buy boxes or footstools with space to store toys. Organizer systems, with which you can sort different things clearly, are also in demand.

4) Write a to-do list

Cleaning according to a plan can be a tremendous help. This way you know what needs to be done and can split the tasks over different days. Here you can set priorities and ticking off the completed tasks provides more motivation. In addition, this results in a sensible order to create order.

5) Find motivation to create order

In addition to a to-do list, you should find other ways to motivate yourself to tidy up in order to be able to overcome your weaker self. Otherwise, you quickly fall into old habits and postpone the unpleasant task of tidying up to another day. So try the following to motivate yourself:

  • Turn up your favorite music and start tidying up in a good mood.
  • Let in fresh air and light. Because that fights fatigue and the weaker self.
  • Take before and after pictures to compare if you like and share them with others.
  • Create a competition. Either with your children or with you alone by giving yourself a fixed time frame and stopping the time.

6) Fixed times for cleaning up

It can also be helpful if you always clean up at fixed times. Because then it will become a habit and regular order will prevent too much clutter from accumulating. As a result, take 10 minutes to tidy up in the morning before you leave your home for work. Or do it for 10 minutes every day after work. You can set an alarm clock to stay focused. You’ll be amazed at how much you can accomplish in just 10 minutes. In addition, note useful tips for tidying up and clearing out the kitchen.

7) Clean out old things

Many things accumulate over the course of the year. Many of them are no longer needed and only waste space unnecessarily. Therefore, you should throw away anything that you have not used in a while. The rule of thumb here is 1 year. Even if it may be difficult for you, this is the only way you can keep order permanently. You can also turn discarded items into cash or have a lot of fun with a clothes party and get rid of your clothes in a sensible way.

8) Try different methods of cleaning up

If you have dealt a little with the topic of tidying up and decluttering, you have certainly already got to know one or the other promising method. And indeed, these methods are not bad and well thought out. It is therefore worth trying them out. So you can clean up like Marie Kondo or try the Complete the Cycle method.

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Disability Insurance Tips

Disability Insurance – How do you find the right provider? Helpful information on disability insurance for women. Since disability can affect anyone, you should take reasonable precautionary measures.

Disability insurance as a precaution

There are countless important insurances. With regard to disability insurance, there are a few things to consider, especially for women. If you define yourself as a housewife and therefore do not have a “real job” for most people, it gets a little more complicated. Luckily, a lot has changed in recent years, so housewives and househusbands can also benefit from insurance in the event of disability. This ensures that you receive a monthly pension even after you become unable to work. Then the performance is based on the previous job. But what do you need to look out for when you graduate? And are there some helpful tips on how you can save the cost and still get good service?

Does disability insurance make sense?

In any case, occupational disability insurance is worthwhile for employed persons, the self-employed, and young professionals. Unfortunately, many people do not see that even a person who works in the household has to be replaced at great expense in the event of an accident or illness. But the work that needs to be done needs to be done. That’s why disability insurance can make sense, even if you ‘only’ work in the household and want to protect yourself with regard to the future. This not only includes suitable insurance, but also regular preventative health checks. Ultimately, you have to check individually whether you can and want to pay for private provision in this form. However, it is usually better than state protection, which is not always sufficient.

Disability insurance costs

Unfortunately, an accident can happen quickly, leaving you absent for a certain period of time or even your whole life. To replace your “power” now, you have to dig deep into your pocket. The disadvantage is that there are only a few providers who really specialize in housewives and househusbands. You also need to factor in monthly expenses. As a rule, the contributions are between 40 and 70 euros.

If there is a loss, there is a disability pension of around 1,000 euros per month. This is not the world, but sufficient for simple work. Compared to the conventional costs, however, you will notice that you have to pay quite a lot. It is all the more important that you compare disability insurance. This is the only way to find an insurance company that offers good benefits and low prices. Accident insurance for housewives might be an option for you.

The design is important

Although many insurance companies already recognize “housewife” as a profession, the structure then looks different again. This means that not every illness is directly regarded as an occupational disability. For example, disability occurs more quickly in a household with small children, which the woman has to take care of for the most part alone, than in a woman who only performs representational duties.

As a rule, the responsible insurance company checks exactly which illnesses or limitations exist before an occupational disability is declared. Not only do medical examinations take place, but the customers also have to fill out an extensive questionnaire. For other professional groups, it is easier to find the right provider with disability insurance. Also, note useful tips on liability insurance.

From work to everyday life as a housewife

Insurance companies treat people who have taken out insurance while working and then work as a housewife differently than people who are permanently employed or have always worked as a housewife. You should pay particular attention to this aspect if you intend to become a housewife or mother in the next few years. This is particularly important when it comes to tax returns. Because depending on your professional field, you will have to face other costs and expenses.

But in addition to the tax return, you also have to pay attention to the respective providers. Because with some, you will be categorized as a housewife after the end of the maternity leave period. For others, the profession continues for up to five years after leaving. Why is this important? Depending on your occupation, you pay more or less money into the disability fund. Sometimes even cancellation is necessary. In addition, note clever tips for household insurance.

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Tips for Planting and Caring for Roses

The rose is one of the most popular and beautiful flowers. And the great thing about roses is that they thrive in almost every garden and there are many different varieties. Planting and caring for roses is not particularly difficult, provided you calm down a few rules.

Proper care for roses

If you want to have magnificent rose blossoms in the garden, it depends on the right care of these flowers. The rose belongs to the rose family and comes in many varieties. Above all, their different colors are magical and attract numerous rose lovers. A bouquet of roses has always served not only in the garden but also as a particularly romantic gift. So that you too can plant perfect roses, we have the most important tips for growing and caring for them.

1) Plant roses properly

The rose loves it sunny, you should take that to heart when planting roses. But it also thrives well in partial shade. Before planting, you should water the rose root sufficiently, for example by placing the whole pot or the root ball in a bucket of water for a few hours.

2) Spring pruning for roses

When the forsythia bushes bloom bright yellow, it’s time to dare to cut the roses. Bedding and hybrid tea roses in particular should be cut back every spring. As a result, you can stimulate them to bloom lushly, because the flowers only form on the fresh branches of these varieties. Those who orient themselves to the forsythia blossom are guaranteed to get the right time and risk no damage to the roses. Also, note tips for planting tomatoes.

3) Caring for roses with the right rose cut

There is a lot to consider when it comes to pruning roses. The most important thing is to remove the old and dead parts during spring pruning. Otherwise, you can also remove thinner branches generously, especially if the rose has not bloomed in the past year. A cut always runs just above a branch pointing outwards. Especially when pruning in spring, you can prune the rose vigorously.

4) Use a suitable tool for cutting

The right tools and great gadgets for gardening should not be missing. In order not to damage the rose, the scissors should be very sharp. Then the branches will not be crushed. Also, make sure that the edge is rather slanted when cutting. As a result, no rainwater will remain on the injured area and the edge will close cleanly. In addition, the surface of the cut edge should be as small as possible.

5) Water roses moderately

Watering tips should always be followed. Roses aren’t too thirsty, so don’t overdo it with the water. Watering them once or twice a week is often enough. If it rains, of course, there is no watering. It is more important to water the rose directly at the roots. In addition, the greatest dangers are lice and fungal diseases. But you can prevent them with moderate moisture and proper watering.

6) Nutrients for a lush rose bloom

Especially in spring, from the first cut, you should supply the rose with nutrients. A special rose fertilizer gives the roses everything they need. You can also use horse manure and compost for fertilizing. Horn shavings can also be used as fertilizer. You can then fertilize twice more in the course of the year – ideally also after the first flowering. It is very important not to fertilize too late. Fertilization can still be done in late summer. If you fertilize too late, the branches will not lignify enough and they could suffer frost damage.

7) Stimulate flowering

In order to enjoy the rose for a long time, you should regularly cut off faded flowers. After the first bloom ends, you can cut back a bit. The cut runs over the strongest bud. You should also water regularly and sufficiently in summer when it is hot to stimulate flowering.

8) Keep roses weed-free

To keep the soil weed-free, it is a good idea to combine the roses with other plants. Accordingly, a well-established neighbor is a beautiful lavender, as it goes perfectly with the roses. You should also regularly rake the soil around the rose, being careful not to damage the roots.

9) Winter protection for roses

Suitable winter protection for plants is essential for many plants. Although bed roses usually survive the winter without any problems, it can be helpful to take special care of roses in winter. Therefore, protect the root area from too much cold. To do this, pile leaves or brushwood about 30 cm high in the lower area. But be careful not to make the pile too dense.

10) Potted roses for the home

If you don’t want to do without beautiful roses at home, then choose potted roses. They should be as cool and bright as possible. Nevertheless, the roses usually suffer from a lack of light after a while. After flowering, it is often best to cut back the rose and place it outside or plant it directly in the bed. Then the rose can bloom again in the same year, provided you planted it in time.

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Tips on Building Savings and Building Financing

Helpful tips for financing your own home. Because for the dream of your own house you can fall back on various financing options. Here we explain the difference between building savings and mortgage lending. We also give tips that you should definitely consider.

Finance your home

Owning your own home is the dream of many families. Because it is usually much nicer to live on your own four walls. But the topic of “house building” becomes more complicated when only one person in the household earns money. So that it still works to finance your own home, we have collected the most important tips for building savings and building financing for you.

How does building savings work?

A home loan and savings contract usually accompanies you throughout your life and can be concluded simply by visiting the bank branch. The phases of the contract, on the other hand, are staggered into different stages: the conclusion of the contract, the savings phase, the rest phase, and then the loan phase. This means that at the beginning you conclude a contract for a certain building savings sum. For example, 100,000 euros.

Depending on the contract, you must now save a certain minimum amount over a certain period of time in monthly installments or voluntary special payments during the savings phase. If you have reached the minimum savings amount and have waited a certain period of time, the savings will be paid out. In addition, the difference in the savings amount is paid as a loan. Consequently, this means for you that you save 50,000 euros, for example. You will then receive the remaining 50,000 euros as a loan. Finally, the loan is paid off in monthly installments over the following years.

Difference between home savings and mortgage lending

While building savings is a longer process, building finance is possible in different ways. You can either finance your own home with equity, your own contribution, or borrowed capital. In the latter case, a loan is usually taken out from the bank. A contract is then concluded in which the term, interest, and land charge are usually stipulated. After the loan approval, you get the money to finance your home relatively quickly. The loan amount is quite high and the term is also quite long. The loan is paid off monthly.

Tips for building savings

Depending on your individual needs and circumstances, either building society savings or mortgage lending may be an option for you. After you have decided, you should heed the following tips to make building savings a success:

1) Compare Bauspar providers

If you want to get a good contract, you should not rashly decide on a provider. Because there are numerous special options, special cases, and little things that can turn your home savings contract upside down. But usually, you only notice this afterward, when it is too late. Therefore, make sure you read the contract properly beforehand. Consequently, carry out a savings compared with a comparison calculator. There you can enter all the conditions you want from your contract. This will give you a good overview and avoid future problems.

2) Plan the savings phase well

You should also think carefully about whether you and your family can pay off the monthly installments. Because it is precisely in the savings phase that you face high costs. Especially if you don’t want to wait too long to build. Conveniently, there are more and more providers who have specialized in families with housewives and therefore non-profitable work. Building savings makes sense here in particular because the installments and interest rates are usually low. In addition, read how you can finance your home furnishings.

3) Choose a fixed interest rate

An important criterion for your home savings contract is a fixed interest rate. This means that the interest sum must not fluctuate over the years, but must always be fixed. Because then you can count on an amount that will not change anymore when planning and building the house later. It is also important that the loan interest rate at the time of conclusion is lower than the interest rates on the open market. And you buy that by receiving less credit interest on the money you save. This means that although you pay less interest, you also receive less in the end. So count on it beforehand. Also, note tips for saving electricity so that you have more money to save on construction.

4) Save taxes with little interest

Although a high-interest rate is tempting, think about the taxes. Because if you only receive a small amount of interest per year, you save on taxes. This is especially the case in the later years since your credit then usually exceeds the annual tax allowance. If you still have a high credit interest rate, this is reflected in increased taxes. Therefore, it is better to forgo high credit interest rates in favor of lower loan interest rates. Also, note tricks for saving taxes in the household.

5) Benefit from government funding

Surely you are wondering why you should sign a home savings contract when you can save an amount yourself every month? Unfortunately, the reality is a little different. Because the money saved shrinks from month to month until you end up saving nothing more. But it is different with a home savings contract. Because this literally forces you to save something, since you are contractually obliged to save a certain amount every month. Of course, you cannot make any deposits for a certain period of time. But then your dream of owning your own home becomes a thing of the past. For this reason, building savings makes sense. Incidentally, you can receive government grants if you are below a certain income limit. And this is mostly the case with housewives.

6) Increase savings goal

If you or your family are earning well, you can increase your savings goal. For example, from 100,000 to 150,000 euros. But be careful, because as soon as you increase the contract, it is blocked for at least one year. Then you cannot cancel it or change anything about it. In addition, note other tips for saving.

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5 Tips for Watering Flowers and Plants

In order for houseplants to live a long time, it needs proper care and avoidance of common mistakes. Consequently, we have the most important tips for watering flowers and plants. This is how the different plants grow and thrive and ensure a more comfortable atmosphere in the apartment.

Observe important information on watering plants

Essentially, you should differentiate between garden plants, potted plants, and indoor plants, because the different plants do not always need the same care. Many garden plants are more robust than some houseplants and not every place is suitable for every plant. Incorrect watering can lead to the decay of the plants.

1) Water flowers as needed

If you water too little, the plant will dry up. On the other hand, you must not water the flowers too much, otherwise, the roots will rot. But when the plants need water is difficult to estimate, since all flowers have different water requirements. You also have to consider the location. Accordingly, you can observe the following points for watering plants. Or find out about the requirements, the best location, and the water requirement when you buy the flowers. Because the care of orchids is different than that of the popular ivy.

  • the appearance of the plant. When the leaves droop and the plant looks thirsty, it’s high time to water.
  • location crucial. Depending on whether your plant is outdoors or indoors, other influences, such as weather conditions, need to be considered.
  • Observe weather conditions. If it’s very hot, the plant may need more water than usual.
  • Use pot size as a guide. The smaller the vessel, the more often you have to water. But also here the weather conditions have to be considered.
  • Watering at intervals can be helpful. Try watering your plants once a week and see how they do.

2) When watering avoid waterlogging

Avoid waterlogging of all plants. It doesn’t matter whether it’s bedding, pot, or house plant. Consequently, use loose potting soil or substrate, if necessary you can loosen the soil with sand. Also, only use tubs or pots with holes so excess water can drain away. You should also empty the pots and saucers regularly. The soil in the flower bed must also be loosened more often, otherwise, the soil will become encrusted and the flower will not get enough oxygen. Therefore, apply a mulch layer, because this way the water does not evaporate as quickly and the soil does not heat up too much.

3) Sparing watering is beneficial

The substrate is usually used in flower pots and it must not be soaked under any circumstances. However, the moisture content is easy to measure with small wooden sticks, if soil sticks to it, the soil is still moist enough and does not need water. However, if the soil is dry, then it needs to be watered. But here, too, small amounts are helpful, as water can always be added. Under no circumstances should you water so much that the water runs out of the drain holes. Also, note tips for planting and watering roses.

4) More water in the growth phase

When the plants are in the growth phase and are in bloom, they have an increased water requirement. They also need more water if the planter is heavily rooted. Of course, the temperature also plays a role, in the hot summer months flowers simply need water. The temperature of the irrigation water should be right, so just let the sun warm the water up a bit. Thus, the flowers do not suffer a cold shock. In contrast, learn how to dry and press flowers.

5) The best time to water plants

There is no fixed time for watering the flowers. However, you should water plants in the morning or evening. Accordingly, do not water the leaves during the hours of sunshine, because every drop of water acts as a magnifying glass and would damage the foliage. Of course, you have to water the plants copiously during the growth phase, while the plant can cope with very little water during the winter. If you water too much or too little, the flower will quickly droop its leaves and the bloom will also shrivel up. Therefore, check the moisture content of the soil beforehand. This is the best way to determine if the plant needs water.

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Tips for Creating a Vegetable Bed in the Garden

Before your own garden becomes a place of retreat and relaxation in the first days of spring, some gardening needs to be done. Therefore, you should create a vegetable patch in the spring. But planning the vegetable patch can begin as early as winter.

Create vegetable beds in the garden

A healthy diet includes dishes with vegetables. A small garden also offers the opportunity to grow vegetables. However, the vegetable patch must be properly planned, laid out, and regularly maintained. You can grow different types of vegetables in your own vegetable garden. And then use it for healthy cooking. Every hobby gardener knows how good their own vegetables from the garden taste. So start planning early and make sure you have the right equipment for gardening. Consequently, we have collected the most important tips for creating a vegetable patch.

1) Plan a vegetable patch

So that freshly sown plants do not freeze to death overnight, ground frost must not occur before sowing. So don’t start planting the vegetable patch until spring. However, you can start planning your own vegetable garden in winter. For this purpose, first, create a planting plan. Expertise in vegetable cultivation and mixed cultures is an advantage. However, you can easily find out more about growing vegetables in advance on the Internet or in magazines. You can also order the necessary equipment and clever tools for gardening online.

2) Which vegetables to use for the vegetable patch?

When creating a vegetable bed in your own garden, it is important to pay attention to which vegetables are in season and at what time. In addition, a mixed culture table from the Internet shows you which types of vegetables you can combine well with each other. This is important because you should plant different types of vegetables next to each other in a vegetable patch.

3) Determine the size of the bed

Before creating vegetable beds, the size of the vegetable garden and the individual beds must first be determined. When designing the garden, most hobby gardeners opt for a rectangular or square shape. A vegetable bed is about 80 to 120 centimeters long. However, it is also possible to create narrower vegetable beds so that the marked ground does not have to be walked on when tending. Also, note important tasks in the garden in winter.

4) Choose a suitable location and construct a bed edging

In order for your vegetables to thrive, you should choose a sunny and wind-protected place for your vegetable patch. You can build the bed edging with different materials. You can also use wooden boards, stones, or old slatted frames for this. When using slatted frames as a bed edging, carefully separate the individual slats and place them next to each other as a border for the vegetable bed.

5) Prepare the soil in front of the vegetable patch

But before planting vegetables, you need to prepare the soil. If the soil stores a lot of water and is well aerated, the plants can optimally develop roots. Therefore, dig up the soil spade deep and mix it with vegetable soil or fresh compost. This loosens the soil and you can start sowing. In addition, you should pay attention to sufficient safety when doing any gardening work.

6) Sowing tips for planting

Seed tapes are very helpful when creating a vegetable garden. With these products, the seeds are in a paper band, making it easier for you to sow. The tape will later decompose by itself in the soil. But before sowing, you should level the soil again and water it. Then plant the young vegetable plants directly in the vegetable patch. Depending on the vegetable crop, you can also use seedlings. After planting the plants or seeds, cover them with some soil and water them again. With regular care, you can soon be harvesting healthy vegetables that you have grown yourself. Then you can grill the vegetables or make delicious smoothies yourself.

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