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Debt Free Living Ideas

December 21, 2021 by Alice 6 Comments

Debt Free Living Ideas

Debt free living and the promise of financial freedom has never been more attractive but never more challenging with so many of us struggling financially.

But caught up in the chaos of our over busy lives it's easy to miss the simple changes we can make that will help us live debt free either by paying off debt or by not getting into debt in these difficult times.

Now obviously there's all sorts of debt free living advice already out there on how to become debt free using debt pay off techniques such as Dave Ramsey's debt snowball method. But the key to all of these debt free living techniques is cutting spending creatively in ways we never imagined possible.

So what I've got for you here are a whole bunch of practical ideas on how you can massively cut spending to enjoy financial freedom and escape the overwhelming stress of debt.

These simple debt free living ideas really can slash your spending by tens of thousands so you can pay off debt or stop it building up.

I do hope these ideas give you some inspiration for immediate practical steps to help you become debt free. For more ideas do follow me on Pinterest and check out my posts on thriving frugally.

30 Debt Free Living Ideas

Sell Anything You Don't Love

Reclaim your home and make money by selling any clutter you don't love or use.

You can actually sell lots of low value clutter like lego, books, DVDs etc quickly and easily to increase debt repayments fast.

Learn Frugal Life Skills

Learn these frugal life skills so you stop paying other people to do what you could easily enjoy doing yourself.

Slash Energy Use

Reduce your energy bills and help the planet whilst you're at it.

Energy Saving Tips

Stop Wasting Silly Money

Stop wasting money on crazy services you don't need. Use this big list to cancel services quickly and cut waste.

Easy Ways To Save Money

Go Zero Waste-ish

Going a bit more zero waste smartly is a brilliant way to stop chucking money away on single use products.

Invest A Little In Reusable Products

Some supposedly zero waste products are a big old con but investing in a few genuinely reusable products can quickly save us serious money.

Grow Your Own Greens

You don't need homestead or huge vegetable garden to grow spinach or collards or salad leaves. A few pots on a patio or balcony will keep you super healthy, money saving fresh greens every day.

Growing Collard Greens From Scraps And Stems

Pick Your Own

Pick your own immune boosting summer berries, apples & autumn fruit. Pick your own are typically a quarter of the price of store bought.

Change Tiny Habits

Change the little daily habits that are costing you a fortune and become more eco friendly whilst going debt free.

Upcycle Lovely DIY Gifts

Make your own simple gifts cheaply even if you're not remotely crafty.

Cheap DIY Christmas Gifts

Regrow Veggies From Scraps

Grow your own veg from scraps. This is an unbelievably quick and simple way to start growing vegetables even if you've never gardened before.

Do A No Spend Challenge

Do a no spend challenge for a month. It will save you money to pay off debt but also break your addictive spending habits.

Write A Leftovers Plan

Have a leftover plan so you eat everything and stop wasting money on food.

Borrow Before You Buy

Always borrow before you buy - don't fork out for new gadgets, toys or equipment if you can borrow them. Only buy when you actually need regularly.

Invest in Great Second Hand Stuff

Invest in really good quality second hand products - especially for babies & toddlers - that keep their value so you actually make money selling them on

Cut Out Crazy Cleaning Products

Embrace zero waste cleaning - we don't need or use most of the cleaning products we buy. Cutting back to basics and using reusable products can save thousands a year.

Slash Laundry Costs

You wouldn't think it but most of us spend far, far more than we realise on laundry Doing laundry differently can slash laundry costs and easily save hundreds every year by doing the laundry differently.

Foraging Free Fruit In Fall

Every year we fill our freezer with wild fruit that we don't pay a penny for!!

And foraging free fruit in fall makes a great day out as a family and the blackberries, damsons, sloes, elderberries, crab apples and more keep us in healthy smoothies and puddings all winter long.

Stop Pretending To Meal Plan

Master 10 very basic, cheap recipes as a family and simply loop through them!!

Frugal Food Ideas On Pinterest

Reuse Everything You Can

Reusing everything we can from paper, envelopes, gift bags, old clothes, plastic bags, newspapers, elastic bands, ribbons, glass jars etc is an easy way to stop paying half so much on stationary, crafts, storage and more.

Buy Vintage Clothes

Buying vintage clothes is the best way to truly follow sustainable fashion and can save us a fortune.

Just Use Less

There are loads of easy ways to use less that save money day in day out. Simply diluting and watering down milk, juice and cans of tomato, fine grating cheese and only using half recommended amounts of household goods e.g. laundry liquid can save hundreds a year.

Get A Second Hand Scooter Or Bike

Get a second hand scooter or bike so you can easily do all journeys under 3 or 4 miles for FREE.

I can easily do 3 miles in 30 minutes on my scooter with very little effort and if like me you live in an expensive city you can be quids in within just a few months and save thousands a year.

Learn To Store Food Properly

Learn to store food properly - we waste enormous amounts of money on food we throw away because it's not stored properly. Learning how to store basics like potatoes and apples properly and freeze and cold store leftovers, foraging hauls and cheap bulk buys can save hundreds and hundreds every year.

Food Storage Tips On Pinterest

Mend Stuff

Clothes, shoes, gadgets and toys can all be mended and there are loads of free videos around showing how. Getting into the habit of mending changes our mindset so we actually start looking after things and end up saving even more money.

Make Do Without

When things break and can't be mended try to go at least a month without replacing so you can see if you truly need or if you can just borrow the odd time you truly need it.

Binge Budget

Learning to budget month in, month out is absolutely key to debt free living but lots of us get into debt at key points in the year or of our lives - e.g. Christmas, holidays, birthdays, weddings, a new baby - when we're particularly vulnerable to binging so laser focus your budgeting energy on these events or any other activities when you're most likely to binge.

Swap Entertainment With Friends

Swap and pass around with friends and neighbours movies, games and books to help you slash all those cable and music subscriptions.

Embrace Minimalism (A Bit)

It can sound dreadfully dull but embracing minimalism and only buying what we will actually use or enjoy lots can actually make us much, much happier ...

Stop Keeping Up With The Jones

... and on the subject of happiness my final debt free living tip is stop keeping up with the Jones as they're drowning in debt and thoroughly miserable about it too!!

So there you go 30 practical debt free living ideas that can massively cut our spending and kick start our debt free journey to financial freedom.

I do hope they give you some inspiration about all the different ways in which we can transform our spending habits and reclaim our lives.

For more ideas follow my Thriving Frugally board on Pinterest.

Original image source : rawpixel.com

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How To Grow Rosemary From Cuttings Indoors & Outdoors

April 9, 2021 by Alice 22 Comments

Flowering rosemary plants
Flowering rosemary plants

Rosemary is easy to grow indoors and outdoors from both clippings and seeds. It flourishes in containers and pots and its flowers make a beautiful addition to a patio or herb garden.

If you've never grown it before or have poorly rosemary plants read on to learn key tips for growing rosemary successfully PLUS key benefits of rosemary for our health and the garden.

This really is a comprehensive rosemary plant care guide so do bookmark or pin for quick reference when needed and use the index for specific questions.

Table of Contents

  • Growing Rosemary From Cuttings
  • Growing Rosemary From Seed
  • Growing Rosemary In Pots
    • How Big A Pot For Rosemary?
    • Best Varieties For Smaller Pots
  • Growing Rosemary Plants Inside
  • Growing Rosemary Outdoors
    • Best Spot To Grow Rosemary
    • Best Soil For Rosemary
  • Herbs To Plant With Rosemary
  • How To Water Rosemary
  • Rosemary Plant Care
  • Pruning & Harvesting Rosemary
    • When To Prune Rosemary
    • How To Prune Rosemary
    • Harvesting Rosemary
  • Common Rosemary Pests
    • Rosemary Beetle Control
    • Getting Rid Of Rosemary Beetles Organically
  • Rosemary Plant Diseases
    • Powdery Mildew
    • Root Rot
  • Health Benefits Of Rosemary
  • Benefits Of Rosemary In Garden
  • Buying Rosemary Plants
    • Rosmarinus Officinalis
    • Arp
    • Tuscan Blue
    • Spice Islands
    • Gorizia
    • Prostratus
    • Blue Boy

Growing Rosemary From Cuttings

Rosemary clippings in a jar of water

You can quickly and cheaply grow new rosemary plants from cuttings and clippings in water. All you need do to grow rosemary from cuttings is:

  • Cut 4 or 5 stems of new growth from the rosemary bush of a friendly rosemary growing neighbour when they are pruning in early spring.
  • Take cuttings 15 - 20 cm / 6 to 8 inches long if you can.
  • But most importantly choose cuttings with light green - whitish new growth rather than grey - brown old woody stems.
  • Remove rosemary needles from the bottom of your cuttings.
  • Then simply pop your cuttings in a jar of water.

Put your jar of rosemary cuttings in a sunny spot indoors and within 1-2 weeks roots will appear. Give rosemary cuttings 3-4 weeks in water to establish healthy roots and then transfer cuttings to a pot using the tips below on How To Grow Rosemary In A Pot.

Growing Rosemary From Seed

Rosemary seedlings growing in pots

If you can't get hold of rosemary cuttings and don't want to fork out to buy rosemary plants you can grow rosemary from seed. Key tips are :

  1. Sew seeds indoors 2 months before last frost as they can take up to 4 weeks to germinate.
  2. Sow more rosemary seeds than you will need as they aren't the most reliable germinators.
  3. Sow in well draining soil with a bit of sand and grit mixed in.
  4. Lightly cover seeds with soil.
  5. Water lightly as rosemary does not like damp conditions.
  6. Keep seeds in a warm spot.
  7. Cover rosemary seed pots with plastic to warm up further and encourage quicker germination.
  8. Once seedlings peep through they need plenty of light.

When seedlings are 7-10 cm / 3-4 inches transfer to bigger pots and grow on either indoors or outdoors.

Growing Rosemary In Pots

Rosemary plant growing in small terracotta pot

Rosemary grows well in pots both inside and outdoors, and from my experience there are big benefits from growing rosemary in pots :

  1. You can bring rosemary plants indoors if you have persistently sub-zero winters.
  2. Ensures rosemary is planted in the sandy, gritty soil it loves.
  3. Prevents over watering.
  4. Stops rosemary from taking over your herb garden!!

Any pot or container you use for growing rosemary - and other drought resistant herbs such as oregano or thyme - must have good drainage. You can help drainage by adding in grit, stones or bits of old broken pot at the bottom of the container and by raising your pot or container on some old bricks or something similar.

Rosemary is drought resistant and will grow in poor soil so even grown in pots it needs little watering and feeding but check the tips below on How To Water Rosemary and Rosemary Plant Care.

How Big A Pot For Rosemary?

A large rosemary plant in a terracotta pot

Thriving rosemary plants grow 5 foot high and wide so won't be happy in a tiny pot. But a big reason for growing rosemary in pots is to control size.

A big 24 inch/60cm pot will let your rosemary flourish without taking over the garden. If you will need to bring your rosemary plant inside over winter - because you have persistent sub-zero temperatures - choose a smaller container but not anything less than 12 inch/30cm. Outdoor rosemary won't flourish in anything smaller.

Best Varieties For Smaller Pots

If you don't have space for a big pot, it's worth looking for the low growing rosemary varieties listed under Buying Rosemary Plants. You may not be able to find cuttings for these varieties, in which case buying a plant may be a better option in the long run.

Growing Rosemary Plants Inside

Rosemary plant growing in pot inside on a window sell

Rosemary is very easy to grow indoors in a little kitchen herb garden if you don't have any outdoor space.

If you suffer with harsh winters you will need to grow rosemary indoors over winter as rosemary doesn't tolerate temperatures below -4/25 degrees. An occasional blast as we in get in London is fine, a long hard winter is not.

The most important tips for growing rosemary indoors are:

  1. Make sure pot drains well so your rosemary plant doesn't get soggy.
  2. Only water lightly when soil is dry.
  3. Keep your rosemary plant in a warm, sunny spot.
  4. But try to give it some ventilation as constant humidity in the kitchen can cause mildew.

Rosemary is a more vigorous plant than thyme or oregano so if you grow rosemary indoors you can only really keep a plant going for a few years.

A good way to grow rosemary indoors is to grow new plants from cuttings in water every other year, so you constantly have small vigorous plants with nice young non-woody growth.

If you grow rosemary indoors in winter but grow it outdoors in summer you need to remember to acclimatise it gradually to both transitions :

  • In spring gradually expose rosemary to the cold
  • In autumn slowly reduce outside light your rosemary plant gets.

Growing Rosemary Outdoors

Large rosemary plant growing outdoors

Rosemary is a sunshine loving, drought tolerant herb but it is possible to grow rosemary outdoors successfully in a wide range of climates.

I have been growing rosemary outdoors in London for more than 10 years over many a cold, damp English summer. And I grow my rosemary in soggy London clay. My only problem is actually that my rosemary is too vigorous and given half the chance takes over the garden.

If you don't have a huge garden you can contain vigorous rosemary by growing it in a pot or dedicated bed. You can also buy low growing varieties as listed under Buying Rosemary Plants.

Transition rosemary plants started indoors slowly over a week or so to get them used to the outside temperature.

Best Spot To Grow Rosemary

Rosemary plant growing in sunny spot against a wall

Rosemary grows best in a sunny spot with plenty of light but some shelter so not blasted by cold winds.

Having said that, rosemary is remember vigorous. It can spread to over 1.5m / 5 ft high and wide so you need to plant your rosemary somewhere that can handle a big plant that won't over power everything else.

If you are growing rosemary in a small garden the right place structurally will not necessarily be the sunniest spot. In my experience, that's fine. My current rosemary plant only gets afternoon sun - not the minimum 6 or 7 hours often recommended - and does well.

Best Soil For Rosemary

Flowering rosemary plant growing outdoors

Rosemary - like thyme and oregano - does not need fancy rich soil and will grow happily in nutritionally poor ground including sandy soil.

Rosemary does however need the soil to drain well as it hates to have soggy roots. Rosemary can struggle in soggy, clay-heavy soil but grows in my south London combo of clay and grit. So if you are gardening on clay, adding grit or sand should help.

If you're transferring to a pot rosemary you've grown from cuttings, you may well find the cuttings do better in rough garden soil than potting compost.

Herbs To Plant With Rosemary

Small pot of rosemary growing amongst other pots of herbs

When starting a herb garden, it's easy to imagine we can shove all sorts of herbs in cheek by jowl but we can't.

Some herbs love water whilst others like rosemary can't stand getting soggy. And some herbs are bullies and will grab every last inch of the herb garden for themselves growing over and suffocating smaller and slower herbs.

Rosemary is wonderful but it is the herb garden's biggest bully!

So don't even think about putting rosemary in a pot or small bed with delicate little thyme or oregano without giving them plenty of personal space. Even lavender will suffer - I learned the hard way - from rosemary's bullying ways unless you keep it under sized.

If you're not growing rosemary outdoors in a pot, I would strongly recommend putting it in it's own bed with space to grow to 1.5 metres or you could use it as hedging to help repel cats from your garden.

How To Water Rosemary

Watering can next to pots of rosemary

Rosemary is pretty drought resistant and you're far more likely to harm it by over watering than under watering as it so hates getting soggy roots.

So typically the key rules for watering your rosemary plant are:

  1. Don't water outdoor rosemary plants that are NOT in pots
  2. Lightly water rosemary in pots indoors or outdoors when the surface soil is dry but don't let your rosemary dry out completely.

However, if its been windy, surface soil can be dry when the rest of the pot still has enough water, so it's worth giving the soil a good poke with a knitting needle or something similar and if it comes up moist leave it.

If you've grown rosemary from cuttings you will need to water a little more when your transfer the cuttings to a pot or bed and keep the soil lightly moist.

Rosemary Plant Care

Rosemary plant in flower

Rosemary doesn't need much plant care as it grows well in poor soil. Some gardeners say feed pot grown plants regularly but I don't reckon rosemary needs it. And if you want to garden organically or on a budget it's good to cut out unnecessary feeds.

I think the most important tips for rosemary plant care are :

  1. Keep on top of pruning.
  2. Control rosemary beetles.
  3. Support rosemary plants.

There are tips on all three below.

Pruning & Harvesting Rosemary

Rosemary plant with secateurs

When To Prune Rosemary

Prune rosemary in late winter or early spring to tidy up all the old growth from last year and keep the size of the plant under control. This will stop the lower parts of the plant from going woody and encourage them to stay productive.

New rosemary plants grown from cuttings will not need pruning until at least the second year after cutting.

How To Prune Rosemary

Typically you can prune a rosemary plant in early spring by a third as long as you are not cutting into any woody unproductive stems as they will not usually provide new growth.

Harvesting Rosemary

Harvesting rosemary once your rosemary plant is established, is straightforward. Just take what you need. Harvesting will help it flourish.

But when you're growing rosemary from cuttings wait until you have at least 8 to 10 inches of growth before harvesting and leave 6 inches of growth intact on each stem.

Common Rosemary Pests

The most common rosemary pest is the rosemary beetle. Rosemary beetles can do lots of damage fast so you need to keep them under control.

Rosemary Beetle Control

The first key step in rosemary beetle control is to recognise both the adult and the larvae which do most damage.

Adult Rosemary Beetle

Adult rosemary beetles are small rather handsome black beetles with iridescent stripes. They are about the size of a ladybird (ladybug to Americans)

Adult rosemary beetle on rosemary cutting

Rosemary Beetle Larvae

Rosemary beetle larvae do not look like the adult beetle. They are the same light grey-green colour as the new young tips on the rosemary plant so can be very well camouflaged.

The larvae appear as soon as it starts warming up in late winter and early spring. As the rosemary puts out new growth, the rosemary beetles devour it. So you must get rid of them early.

Getting Rid Of Rosemary Beetles Organically

Take time after pruning in late winter - spring to look closely for larvae hatched over winter. Remove manually and squidge. Get rid of as many larvae as possible to break the cycle.

Then look out for adult beetles when ever harvesting your rosemary. Shiny adults are easy to spot especially in late summer and early autumn when mating. This is another key time to break the cycle.

I find nimble fingered kids are brilliant at spotting and removing them and can have your problem sorted for half an hour or so's worth of pocket money!

Rosemary Plant Diseases

Rosemary plants are pretty resilient and the only two common diseases they struggle with are a result of dampness and moisture, these being:

  1. Powdery Mildew
  2. Root Rot

Powdery Mildew

Powdery Mildew On Rosemary

Rosemary plants grown indoors - whether from seeds or cuttings - are most vulnerable to powdery mildew. Your plant will look like it is covered in fine white dust and if it is not treated needles and stems may die and drop.

To control and prevent powdery mildew follow these simple tips :

  1. Remove infected stems, don't put in your compost.
  2. Give plant space to breath, prune back if outgrown space.
  3. Keep ventilated if growing indoors.
  4. Spray with solution of 1tsp of baking soda to 1 litre of water.
  5. Spray with cooled chamomile tea.
  6. Don't over water.
  7. Water soil not plant.

Root Rot

Rosemary plant with root rot.

Rosemary can suffer from root rot because the plant just gets too wet either from over watering in summer or too much rain in a wet climate.

Typical signs of root rot are :

  • Drooping stems.
  • Brown, yellow or black needles.
  • Brittle needles.
  • Dying needles and stems.
  • Failure to put out new growth.

If your rosemary does show signs of root rot don't despair, there are simple things you can do to revive your plants :

  1. Stop watering.
  2. Clear away any moisture holding mulch or leaves from around plant.
  3. Prune away damaged stems.
  4. If in pot, remove from pot, loosen soil and cut away any roots that look black or slimey.
  5. Add stones, broken pot shards or grit to bottom of pot.
  6. Repot with grit and sand mixed into the potting soil.
  7. Only water potted plants when bottom of soil is drying out.

Health Benefits Of Rosemary

A small bundle of rosemary clippings tied with string

Rosemary has wide ranging health benefits and was traditionally used as:

  1. Natural antibiotic
  2. Natural antihistamine
  3. Headache relief
  4. Quick sunburn remedy
  5. General pick me up
  6. Memory booster
  7. Gas, bloating, heartburn & indigestion treatment
  8. Stress relief remedy
  9. Rinse and scalp treatment for dandruff and flakey scalps.

For most of these remedies you just add a few rosemary cuttings to a few cups of boiled water and leave to seep for 5 to 15 minutes.

Benefits Of Rosemary In Garden

Rosemary plant in flower in a garden

Rosemary has lots of benefits to offer in the garden including :

  1. Drought resistance.
  2. Evergreen for year round structure.
  3. Attracts small birds.
  4. Provides late winter, early spring food for pollinating bees & butterflies
  5. It's a natural mosquito repellent
  6. Can be used in a cat repellent border if you're being plagued by neighbourhood cats using your back garden as a bathroom!!

Buying Rosemary Plants

Rosemary plant of Tuscan Blue variety

If you haven't the patience to grow rosemary from cuttings or seeds you can of course buy rosemary plants. The big benefit of buying rosemary plants is that you can pick specific varieties that most meet your kitchen and garden needs . Key varieties to look out for include :

  • Rosmarinus Officinalis
  • Arp
  • Tuscan Blue
  • Spice Islands
  • Gorizia
  • Prostratus
  • Blue Boy

Rosmarinus Officinalis

  • Classic upright form, vigorous growth to ~1–1.2m tall
  • Dense green foliage with strong traditional aroma and light blue flowers
  • Widely available staple for cooking and general garden use

Arp

  • One of the most cold-hardy varieties (survives down to around -10°C to -15°C once established)
  • Upright growth to ~1 - 1.5m with thin, silvery needle-like leaves
  • Ideal for colder climates or marginal zones

Tuscan Blue

  • Tall, strongly upright form (up to 1.8–2m+) with thick stems - excellent for hedges or topiary
  • Very aromatic leaves with lemony-pine notes; dark/vivid blue flowers
  • Favourite for culinary use and bold landscape structure

Spice Islands

  • Upright to ~1–1.5m with silver-green foliage and dark blue flowers
  • Exceptionally aromatic & spicy flavour (hints of clove/nutmeg) - top choice for cooking
  • Intense scent makes it stand out for both kitchen and ornamental appeal

Gorizia

  • Upright, open growth to ~1.2-1.5m with notably larger/thicker leaves than standard types
  • Bold, rich flavour and pale blue flowers
  • Great architectural specimen or accent plant with enhanced visual and taste impact

Prostratus

  • Prostrate creeping variety
  • Low, trailing or cascading habit (10-60cm tall, spreading 1-3m+)
  • Perfect for ground cover, walls, containers, or hanging baskets
  • Evergreen coverage with blue flowers; some bloom longer
  • Huntington Carpet or Santa Barbara are good alternatives.

Blue Boy

  • Compact, slow-growing dwarf form (often under 60cm) with tiny leaves
  • Suited to small pots, borders, or rock gardens
  • Delicate appearance but still edible (though smaller harvest)

And there you go, everything you need to know about growing rosemary successfully. For more tips check out my other Herb Garden posts and follow me on Pinterest.

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