The best advice for the novice gardener is to start small; a well prepared small garden will yield plenty of produce or ornamental beauty. As skills and confidence grow, gradually increase the garden's size to fit your time and energy commitments.
To save energy, wash your clothes in cold water using cold-water detergents when-ever possible.
The microorganisms in the compost pile function best when the materials are as damp as a wrung-out sponge and have many air passages. Extremes of sun or rain can adversely affect the balance of air and moisture in your pile. The air in the pile is usually used up faster than the moisture, so the materials must be turned or mixed up occasionallly to add air that will sustain high temperatures and control odor. Materials can be turned with a pitchfork, rake, or other garden tool.
If you're refinancing an FHA loan, try to schedule the closing for as close to the end of the month as possible. Unlike conventional loans, on which lenders typically charge interest only up until the date the loan is repaid, the FHA charges interest through the end of the month, regardless of the payoff date. That means for the period between the time you close and the end of the month, you will be paying interest on your old loan and your new one.