Creative Christian Mama

God bless all Mothers

Miriam Dunning

How To Pay Off a Bridge Loan

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Homeowners who relocate may find that selling an existing property can become a top priority. If you’re relocating for a job, downsizing or going through probate, a bridge or an estate loan could help you get through a potential liquidity crunch.

Payment arrangements made through residential bridge loan lenders often coincide with the sale of your existing home or inherited property. The timing of the loan’s repayment schedule provides the convenience and flexibility to pay it off when your property transaction occurs. 

Payment plans that match your closing schedule

Because creditors expect borrowers to come into a large sum of cash when an existing property sells, a bridge loan payment plan will typically follow your closing schedule. This offers a great deal of convenience. When your first property is still on the market trying to attract a buyer or waiting for a closing, you may not otherwise have the money to purchase your next home.

To overcome the funding gap, many residential bridge loan lenders create affordable monthly payment plans that include a larger balloon payment that’s due when the sale of your current property is complete.

Short-term payment options

Bridge loans give you the freedom to purchase a new property when you need to do so without committing to a 15- or 30-year stretch of mortgage payments. If you’re leveraging your current house to fund an urgent move, waiting until after your existing property is sold could result in a lost opportunity. A short-term bridge loan, however, provides you with sufficient funding to afford your new home and also maintain your existing property until it’s sold. You can get the payment flexibility you need to make this work. This gives you the freedom to move on your terms while you fulfill other obligations without a need to commit to large mortgage payments.

Bridge loan payments and inherited properties

Obtaining financing through hard money lenders Los Angeles residents can trust in helps when it’s time to overcome a short-term funding predicament. Acquiring property through an inheritance, for example, may come with unexpected expenses that you may not have been prepared for.

For a variety of reasons, heirs may not want to hang on to an inherited property, especially when its upkeep is too close to its current market value. If you decide it makes more sense to sell an inherited property, a hard money lender’s estate loan may help offload it.

Maintaining a house typically requires structural repairs, property taxes and homeowners’ insurance. Unless the deceased included sufficient financial resources to cover these expenses, your monthly budget may become overwhelmed by the inheritance.

It could be to your benefit to look into residential bridge and estate loan programs that offer short-term funding and payment arrangements to help dispose of an unwanted inherited property. You can then pay off the loan after the property is sold.

Flexible payment scheduling

A bridge loan provides the cash needed to move into a new home without worrying about an existing home’s sale. An estate loan offers relief from an unwanted property so that you can purchase a more suitable home or unload an unwanted inheritance. Both hard money bridge and estate loan programs can provide more affordable and flexible payment schedules than traditional long-term mortgages.

Conversations With Your Girlfriend That Will Make You Closer Than Before

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Everyone deserves someone to spend the rest of their life with, and it is always sad to be that guy who is alone and lonely. Getting in a relationship may be easy for many, but staying in one is quite challenging. To have a good relationship with your girlfriend, you are required to work for it. Nothing good comes easy. In a relationship, what tends to determine the kind of relationship you are in is communication. Without constant communication, you might end up not having what you imagined your relationship with your girlfriend would be. You may find the need to talk to your partner but you lack an idea of what to talk about, and this is quite common sometimes and you should not get frustrated by it. Here are the topics you should consider when talking to your girlfriend.

What You Have in Common 

What attracts people in relationships at first are the things that you both have in common. Many may argue that the physical aspects like beauty are what made them attracted to their girlfriend, and though this is right in many cases, common interests tend to enable those involved to know that they are compatible. If you would like her to feel more connected to you, you should talk about what you both have in common and the things you like together. They may include habits, dislikes, or beliefs. Doing so will bring you closer than before.

What You Like About Her

Just like everyone else, your girlfriend likes it when good things are said about her. You should make it a priority to always remind her of the things you enjoy about her, and this will help her feel positive about herself. Do not only talk about the things you first loved about her but also the things you currently like about her. Doing so will make her see that you appreciate her, so she will end up being closer to you. Happymatches and many online sites are playing a significant role in aiding lots of people get their life partners, so it would be best if you try it, too. 

Embarrassing Moments 

Having the same conversation can be boring, which is not good for any relationship. You should make it a point to spice up the conversations you have with your loved one. Talking about embarrassing moments can be surprisingly fun and end up being what your relationship needs. Talking freely about some embarrassing moments means that you feel comfortable with the person you are talking to. So fellas, if she freely talks about those moments one wishes to have never encountered, you should know that she is feeling closer to you.

Your Future Together

When many hear about the topic ‘future together’ regarding those in a relationship, marriage is the first thing that tends to stand out. Talking about the future does not necessarily mean both of you being married, it can simply mean her plans for the next day. 

Conclusion

Communication is very important for any relationship to work, and knowing the right things to say and talk about may make the difference. It is vital to always listen when she talks to you because girls like the attention.

A Guide to Some of the Best Home Remedies

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The world of home remedies can seem overwhelming to those who aren’t familiar with items and ingredients which work the best for specific ailments. Embracing home remedies can help if you’re looking for more natural solutions, and want to use what you have around the home to avoid over the counter medication or visiting the doctors for illnesses which could be improved on your own time.

Here is some home remedy guidance for general health and any specific issues you may be struggling with.

  • Ginger Extract: To Target an Upset Stomach, Nausea and to Tackle Inflammation

Ginger is a common recommendation if you’re suffering from a cold or the flu, and warm ginger tea is highly encouraged to shift mucus build-up and to ease an upset stomach. You also have the option to use grated ginger in your meal preparation, too.

Ginger’s anti-inflammatory properties also mean you can ingest to target headaches or any pain of the body caused through inflammation, such as joint paint.

  • CBD Oil: For General Use and a Variety of Health Improvements

CBD ingredients have fast become popular for a variety of health improvements, including sleep improvement, anxiety relief, and decreasing inflammation, to name a few. CBD products can easily be incorporated into your lifestyle, and CBD oil is one of the easiest to incorporate, as you can easily add it to your cooking or beverages, for instance. Safe and dependable products found on sites like CopeCBD.com mean safely accessing CBD oil has never been more available.

  • Eucalyptus Oil: Perfect for Tackling Congestion and Aiding Pain Relief

If you’re a fan of vapor rub when you’re suffering from congestion, then you’ll already know that eucalyptus can be your best friend. However, you can avoid the need to seek out store-bought branded vapor rub, and add a few drops of eucalyptus oil to a bowl of steaming water will aid decongestion.

You can also have this essential oil as a fragrance in your home. Just remember to be careful as some essential oils are more harmful to pets than others, and even people can react badly to them.

  • Avocado: Promotes Healthier Bowel Movements and Alleviates the Pain of Constipation

Avocado has become a very on-trend food item in recent years, with avocado on toast becoming a very popular breakfast dish. As well as being a healthy general addition to your diet, avocado can help the natural flow of digestion in your body due to its magnesium properties. These properties act similar to a laxative, which means consuming avocado is a good idea if you’re suffering from bowel pain or discomfort when going to the bathroom.

  • Epsom Salts: For Healthier Skin or to Target Injuries

Epsom salts are a great supplement to your bath if you have a particular physical injury, or if you would like to improve the health of your skin. This is because when dissolved in water, Epsom salts release magnesium and sulfate, and it is believed these particles can then be easily absorbed into your skin.

Soaking in a bath with Epsom salts can also help to alleviate pain associated with muscle injuries.

Visiting USA? Consider These 7 Ways to Stay Healthy

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The USA is an excellent holiday destination; you can experience the sun and sea in Hawaii, or you can explore snowy plains in Alaska. The giant country is diverse and beautiful, so there is definitely something for everyone there – but if you are thinking about visiting the USA, there are a few things you should do before and during your trip to stay healthy.

Here are seven tips to help you stay healthy during your trip to the USA.

Get Travel Insurance Beforehand

Before you travel, you should set up health insurance that will cover international treatment. This means that you can enjoy your trip without worrying about getting sick – and if you do get sick, you will get the treatment you need so that you will be healthy again in no time.

Make Sure Your Vaccinations Are Up To Date

You should also visit your doctor for a general check-up before you go. Make sure that your vaccinations are up to date, and ask your doctor if there are any specific vaccinations that you should get before going to the USA.  You can also contact the Norwegian Institute of Public Health for vaccination advice.

Pack Medication

You should also pack any daily medication you will need (such as insulin or allergy tablets), and you may also want to pack specific medication for the area you are visiting. Some states in America have mosquitos and other insects that can bite you, so you may want to pack insect repellent, and you may also want to pack anti-diarrheal medication and painkillers.

Avoid Drinking Too Much

You should avoid drinking too much alcohol. This is because excessive drinking will make you feel dehydrated and sick, and this can cause serious problems if you are in a very hot area. Sure, you may want to have one or two in the evening; after all, you are on holiday! However, you should try to keep drinking to a minimum if you really want to stay healthy during your trip. And if you do end up drinking too much, it could be worth booking an IV hydration drip from resetiv.com to replace electrolytes and reduce inflammation.

Protect Your Skin

You should also pack SPF to protect your skin from the sun. This may seem like it is only a problem if you are going somewhere really warm (such as Hawaii), but it is also possible to get sunburnt in cold states such as Alaska. So pack an SPF that suits your skin, and wear a hat during the day if you are in a state that is very hot.

Eat Well

You should also try to eat well during your trip. Lots of people mainly east cheap carbs, so they don’t spend too much on food, but it is important to eat nutrients and protein too. This makes it much easier for you to stay healthy during your trip, and it means you will have more energy to explore and have fun.

Stay Clean

It is important to stay clean during your trip. Wash your hands regularly, clean under your nails and pack hand sanitizer and anti-bacterial wipes.

Everything You Need to Know about Preventing Worms in Your Pets

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Worms are a relatively common occurrence in pets, both cats and dogs. They can cause a lot of discomfort and make your animal sick. Fortunately, they can be easily prevented. Here is everything that you need to know.

How often should I de-worm my pets?

You should speak to an experienced vet, such as those from heartandpaw.com, regarding how often you need to be de-worming your pets. However, on average, it is recommended that you de-worm your pets at least three times per year, and preferably every three months. This is especially important if your animals spend a lot of time outdoors, in public parks, and playing with other animals as all of these factors will increase their risk of developing an infestation.

What are the symptoms of worms in pets?

Contrary to popular belief, it is not always possible to see intestinal worms in the animal’s feces with the naked eye. Even if you can see worms in the feces, this is a sign that the infestation has reached a critical level and that veterinary attention is required to resolve the problem urgently. Other earlier symptoms to watch out for include:

  • Reduced appetite and a general lack of interest in food.
  • Sudden and significant weight loss.
  • Frequent bouts of diarrhea, often with specks of blood.
  • Straining to defecate, but often to no avail.
  • Vomiting.
  • A dry, lackluster coat.
  • Fatigue.

If you notice any of these symptoms, it is evident that your dog or cat is unwell even if worms are not the underlying cause. So, either way, be sure to get him or her to the vet for a check-up sooner rather than later.

What are the different types of worms?

Four main types of worms tend to affect cats and dogs. They are:

  • Tapeworms
  • Roundworms
  • Hookworms
  • Whipworms

Only tapeworms and roundworms will be visible to the naked eye.

How dangerous are worms?

Worms are quite severe as they can result in several awful symptoms, and nobody wants to see their beloved pet suffer. Some types of worms can even lead to respiratory problems, and brain, lung, and liver damage. However, they are rarely deadly. Only in very rare cases can worms prove fatal. This may be the case if the infected animal is especially young or old, or if he or she is suffering from another health condition that may weaken his or her immune system.

Can my family be affected by worms?

Yes. If you or another family member come into contact with an infected pet’s feces or saliva. Therefore, it is essential to de-worm every single member of the family at the same time as de-worming the pets at least three times per annum.

How is a worm infestation treated?

If you suspect a worm infestation in one or more of your pets, your first stop should be the vet. He or she will test for the presence of worms and, if detected, follow up with de-worming medication which should sort the problem out quickly.

The bottom line? Prevention is better than cure! De-worm your animals regularly and visit your vet for check-ups every six – 12 months.

How to Help Your Child See Their Sports Dream Come True

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If your child loves sport and, more importantly, is a little superstar, then there is a good chance that they can take their passion to the pro-leagues. It is not an easy career path; in fact, it is one of the most challenging career paths to choose from. You need to give it your all, but in many cases, your all is simply not enough. With that in mind, you will also want to encourage your child to do well academically so that they have options afterward.

In short, there is a lot of stress and pressure right from the beginning. That is why you need to use the guidance of companies like ASM Scholarships to help guide your child’s efforts and provide the necessary connections so that they can go beyond high school and into the collegiate levels, and then into the pro leagues.

It will take a lot of love and support, and in some cases, it might not feel like you have a lot of power, but with this guide, you can help your child see their sports dreams come true:

· Encourage a Variety of Hobbies

Though your child loves their sport and shows real, unadulterated promise, you cannot push that one hobby above all others. One of the biggest reasons why talented athletes don’t make it through to their dreams is because they become burnt out. Children need to explore and test their boundaries to learn what they like. So, while you will want to help your kid become better at their sport while they are young so they can be top of their league when they become teenagers, you should never limit them.

Instead, encourage a variety of hobbies. You can even make it a bonding opportunity. Go take a short community course together where you learn to cook or repair a bike. There are many advantages to this:

  • It is something you can do together
  • It is a great way to help your child learn key skills
  • It can help them feel fulfilled in every aspect of their lives

· Know There Will Be Down Periods

There will be times when your child feels like giving up and just scraping all of their efforts. Though you should certainly listen to them and work out ways to improve their routine so that they feel more supported, you should never give into the first instance they say they want to quit. You want to give your child a buffer to help them decide if that is what they really want or to get over that small moment of doubt and rediscover their love for the sport.

· How to Help Them Through an Injury

In any professional sport, injuries are a given. How well players recover from that injury, however, is something that will dictate their entire futures. Even if they heal and get back to 100% (a likelihood in teens and young adults), fear can end careers more effectively than a slightly inflexible elbow. You need to encourage and support your child emotionally so that they can gain confidence in their body and their limitations once again, and never let your own fear project onto them.

7 Tips on Raising a Child in God’s Way

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Parenting in the 21st century can be hard, particularly if you’re wanting to raise your child in a spiritual manner. Teaching your child about God is part of your role as their parent. There are no guarantees that teaching your child will be successful or easy, but here are some tips to help you raise your child in God’s way:

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1. Teach Your Children to Have Confidence

All children are different and it’s important that they know it. We are all individuals with our own opinions and choices to make. Try to avoid comparing children and instead value their differences, including their talents, skills and values.

2. Teach Them to Care About Others and to Value Them

Once you’ve taught your child that they are unique and special in their own way, then you need to teach them to value and respect others irrespective of their opinions or status. Teach your child that it doesn’t matter who you are, everyone is special.

To help your child on their spiritual journey why not consider sending them to a school that will help support and guide them? The Visitation School is the perfect choice for parents of Catholic children. Not only do they help support your child in their faith, they also make sure they grow up knowing that they are special and cared for. This school also works with your child to help them get the best grades possible and the most out of their life as a whole.

3. Teach Them that it’s OK to Say No

All children need to learn that there’s nothing wrong with saying no. You should teach them to be confident in their opinions, which will lead to them becoming better leaders as they grow up. Talk to your children about the importance of being honest.

4. Set Boundaries for Your Children

As your child’s responsibility increases, so should their liberty. Giving your child rewards when they try their best or achieve something new will also encourage them to try harder.

5. Set a Good Example

You need to make sure that you set a good example to your children. Jesus led by example when training the twelve disciples. Try not to force the Bible on your children, instead teach them life lessons by following the teachings yourself. Children are much more likely to learn from your actions than they are from the teachings in a book.

6. Attend Church on a Regular Basis

Encourage your children to attend church with you on a regular basis. Children who are brought up attending church are more likely to carry on attending when they get older than children who don’t. Many churches provide areas for children to learn in a fun way away from the adults. This might be a great way to teach your child about God.

7. Discipline Your Children

It’s important not to react to your child in anger. You also need to try and not make empty threats that you’re unlikely to follow through on. Try and take a balanced approach to discipline; as your child grows, try and reason with them more and punish them less.

Raising your child in God’s way may seem like a challenge, but with the support of your friends, school and community it’s achievable. Follow some of our top tips above and you’ll be well on your way.

Are You A Tech Wiz? These Are The Best Career Paths For You

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It’s everyone’s dream – having a job that’s also aligned with your specific individual interests and strengths. After all, many people go for jobs where it’s just getting a job for the sake of getting a job and it’s not remotely in line with their interests, which breeds contempt and boredom in the workplace. If you’re blessed enough to have the opportunity to seek out a role that’s more in tune with what you like to do, you should definitely go for it. One such career path you can choose to take is to get into technology. Are you a tech wiz? Love how things like software work? Maybe you’re looking for a software development job in San Francisco. If not though, these are some other top careers that you should consider. 

Blockchain Developer

A blockchain developer is what it says on the tin. If you know anything about blockchain technology, you will know that it’s what made BitCoin famous. Essentially blockchains take pieces of information and store them in specific areas called blocks. These blocks are linked through cryptography and use keys – or passwords – to access the information. Using advanced encryption to keep information safe, blockchains are becoming hugely popular for many companies who want to have that extra layer of security when it comes to storing pertinent information. Not only this, but blockchain tech allows everyday people to make money by offering up their storage systems as a part of a wider network of decentralised storage that others can use to keep their data off site, making it safer. That is why blockchain development jobs in San Francisco and other parts of the US will continue to grow as more companies will choose to utilize this technology to safeguard their important data.

AI Engineer

One area of tech development that is only looking to increase ten fold is the area of AI – or artificial intelligence. AI can be used in multiple areas and industries, from working in factories to offices, running errands for business executives or helping make lives easier for everyday people. AI is only just starting to pick up in terms of the uses that it’s being developed for, so it’s a great place to go if you want to explore futuristic possibilities of artificial intelligence. 

SEO Specialist

An SEO specialist plays an important role in getting a business seen by its potential customers. By researching and analysing the keywords that rank highest when dealing with a specific type of business, SEO specialists can help suggest the keywords to use in content on websites and blogs to get the highest amount of potential traffic to a site. They also tend to analyse things like ROI – return on investments – essentially ensuring that any money that is paid by the company to promote its search engine optimisation is returning on the initial investment in the form of customer conversions and sales. An SEO specialist can be an integral part of your team – especially if you’re a newer company looking to increase or start up a customer base. 

There you have a couple of really cool jobs you should consider looking into if you’re a bit of a tech wiz. There’s so many cool jobs out there in the world of technology that can really help bolster both your own career as well as the longevity of a business. Good luck and enjoy all the benefits that a career in technology can bring you.

Home Management: Efficient Ways of Keeping a House Squeaky Clean

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Not too many homeowners are enthusiastic about cleaning their homes, and for a good reason. When you consider cleaning your house in its entirety, it can feel somewhat overwhelming. It is typically the reason why some homeowners prefer to neglect household duties, especially if they happen to spend a lot of time working in an office.

That said, dealing with household cleaning does not have to be a miserable experience! With the right mindset and a bit of preparation, it is more than possible to deal with household cleaning without too much trouble. Here are a few efficient ways of keeping a house squeaky clean!

Start with cleaning supplies

When it comes to keeping a home clean, it is all about being well prepared. For example, even if you might be motivated to work toward cleaning your house, it can take far too much time to accomplish without the necessary supplies. It would be a good idea to stock up on everything you need to ensure that things go smoothly.

You do not have to worry about tackling everything at once. All you have to do is purchase the supplies you need, and you can start working out how you want to handle the task at hand.

Without a plan of attack, cleaning a home can be tedious

If you do not plan how you intend to clean your home, you will end up with a disorganized mess – and you will not know where to start. In such situations, planning out your attack by setting a schedule would be the best way to deal with your house. A particularly good tactic would be to start with where you keep your cleaning supplies. Typically, cleaning supplies are kept in bathrooms, which is an excellent place to get things started.

For those who happen to be too busy to spend a substantial amount of time cleaning, you can set aside some time before bed to deal with your home’s clutter. If you pace yourself, you will accomplish so much more than you think.

What about the junk around the yard?

While cleaning your home and keeping things squeaky clean is all well and good, the heavier junk around your house is a different story entirely. It would not be a good idea to try to remove it on your own, especially if they happen to be junk vehicles. Fortunately, you can call professionals to help get the job done for you. When it comes to getting rid of junk, a professional junk hauling service is often more than enough. If you need help cleaning the interior of your home as well, you can hire professionals to aid you as well.

There is no denying that cleaning your home can be a tedious endeavor, especially if you do not have a set schedule or plan. Even if it might not be particularly fun, the tips above will help you deal with household responsibilities without pulling your hair out!

The 10 Best Fruits And Vegetables To Grow In Your Garden

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If you’re just starting out growing your own fruit and vegetables, congratulations – you’ve made the right decision. Growing your own food is significantly more environmentally friendly than purchasing it. There’s also simply no substitute for sitting down to a home-cooked meal consisting entirely of ingredients you’ve grown yourself. Whatever your reasons may be for growing your own food, it’s a great decision to make.

That said, you’re probably wondering where to get started in this endeavour. What are the best fruits and vegetables you can grow? This, of course, will come down to your personal preferences; do you want easy growth or is versatility more of a priority? Whatever your answer is to this question, this guide should be helpful. We’ve put together a list of the 9 best fruits and vegetables for beginners to grow in their garden.

1. Potatoes

Potatoes are one of the most versatile, useful, and delicious vegetables you can grow in your garden. Thanks to the widespread availability of premium greenhouses in the UK, potatoes are incredibly easy to grow, too. Simply fill a potato sack half-full with compost, then when the shoots start to appear, add more compost. You’ll need to water them too, but this is a seriously easy crop to grow.

2. Strawberries

Perhaps one of the most famous English fruits, strawberries are naturally easy to grow in the UK. They’ll keep coming back year on year, too, so you can expect regular crops if you look after them. You can grow strawberries in tilled soil in your garden, but you can also grow them in hanging baskets, pots, and anywhere else you can situate soil. They make a delicious snack with cream!

3. Garlic

As a member of the onion family, garlic can reasonably be expected to grow in pretty much any conditions. If you want it to grow during the winter, you’re going to need to invest in a high-quality greenhouse, but it’s such a staple of almost every meal that it’s worth having a greenhouse just for garlic. Be sure to expose your garlic to cold weather so that the cloves separate!

4. Onions

We couldn’t create a list like this and not include onions. Just like garlic – with which they share a significant kinship – onions are pretty much a staple food. They’re in everything from pies to curries to stir-fry dishes. Growing onions is relatively simple for beginners and many can be grown in the same plot; they’re more of a leaf crop than a root crop, so think of them that way when you position them.

5. Tomatoes

Whether you’re thinking of making a quiche or a Caribbean-style jerk chicken curry, tomatoes are an essential part of so many meals that not growing them feels like a missed opportunity, even if you’re not cultivating a vegetable (or fruit) garden. Both big and small varieties are simple enough, and they’re hardy, so you won’t need to worry too much about bad weather.

6. Cucumbers

You’ll need a trellis if you want to effectively grow cucumbers. Unlike many of the other fruits and vegetables we’ve included, cucumbers are vining plants, so you’ll either need to grow them in a container or allocate trellis space for them to climb. Once you’ve grown them, though, cucumbers are an incredibly useful crop, great for everything from salads to Mediterranean vegetable medleys.

7. Radishes

Radishes grow to completion within about a month, so you won’t have long to wait before you can harvest them. You’ll need to sow them about four weeks after last frost, so they’re perfect for planting in around February to March. They make an excellent addition to the kinds of salads you can create with cucumbers, so they’re a great all-rounder to include in your garden.

8. Cabbage

If you’re more of an autumn gardener, cabbage is the perfect crop for you. It’s entirely possible to plant cabbage in late summer and still have a usable crop come autumn, which is down to the fact that cabbages love cool weather. Don’t wait until winter; if you do, you’ll need to plant them in your greenhouse. You can use cabbage in everything from a nice stir-fry to a classic Sunday roast dinner.

9. Caneberries

We’re including everything in the caneberry family here: blackberries, raspberries, and so forth. Not only do caneberries make an excellent fruit salad or pie, they’re also wonderful if you’re looking to attract birds and other wildlife to your garden. Blackberry and raspberry bushes do need to be regularly pruned, but if you can spare the effort to do so then you’ll have a rewarding and simple plant to grow.

10. Bell peppers

Did you know that every bell pepper is the same kind of pepper? This blew our minds – green peppers are simply red peppers that haven’t ripened yet. This makes them ideal to grow in your garden; no matter what your particular pepper flavour preference is, you can harvest them whenever you like and add them to your meals for a different effect every time!