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If you're looking to build the backyard garden of your dreams without emptying your savings, setting a plan and making a budget is an absolute necessity. Not only can your garden be a place to relax and enjoy time outdoors, but, if done properly, it can also be a place that can save you money and give you a fulfilling hobby for years to come.

Self-Funding Veggies

Vegetables grown in your backyard garden pay for themselves. You can save on everyday grocery bills by plucking fresh arugula and Swiss chard from your yard — no need to buy expensive organic produce anymore. Since you control which fertilizers or pest control you use in your garden, you can become your own organic farmer.

You can start growing tomatoes, onions, and cucumbers from seeds in your garage during the winter to prep for spring planting. If you're interested in saving on your grocery bills, considering investing in a veggie calendar. It can help you harvest and enjoy fresh veggies all summer long while avoiding the cost of plants that die from frost or premature plantings.

DIY Raised Beds

Most garden dreams include a raised bed. You can pay a carpenter to build you perfectly, symmetrical boxes or you can try taking it on as a DIY project. This is a great opportunity to get your kids involved as well, visualizing where to put the raised beds and having them measure and stake the area.

Stylish container gardening is also an inexpensive way to go, especially if your backyard garden space is limited. Container use has the added benefit of keeping weeding to a minimum.

The Hard Stuff

Ever imagine yourself reading on a secluded patio, or hosting a neighborhood barbecue on a gorgeous deck? Planning and saving for your hardscape can help cut costs. Putting as little as $50 to $100 a month can pay for a deck or modest patio in practically no time. If your dreams call for more elaborate tiled patios and fire pits, you'll want to account for the additional expenses in your dream garden savings account.

Local Nursery Coaching

Local garden shop owners at your nearby nurseries usually love to chat about veggie gardens. Many nurseries offer seminars where they teach you about what grows best in your climate and how to care for your summer bounty.

Remember to ask about companion planting. Putting the right plants next to your veggies will keep insect intruders away and give your soil the proper nutrients to help promote growth. This will boost your success rate, and even eliminate insecticide costs.

If you have a backyard garden dream, start planning for it now. Start by scheduling an appointment for a financial wellness review to get a better understanding of how you can achieve your financial goals based on your current budget and expenses. Then, with a little help from self-funding veggies, DIY projects, and regular savings, you dream can be a reality.

This information and recommendations contained herein is compiled from sources deemed reliable, but is not represented to be accurate or complete. In providing this information, neither KeyBank nor its affiliates are acting as your agent or is offering any tax, accounting, or legal advice.

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