Jon - I hear ya about the money. That is also my biggest issue. I'd do it all right now if I had the $$$'s. I am getting close to having the backyard done. I need to put in some gravel paths and a few more raised beds to finish it up. And then I hope to add some garden art and whimsy to add some character to my garden rooms.
I want to do the side and front yard areas too. But that is another entire project. I have a plan already. Just need the money and time to do those after the backyard is finished. I wonder if I will ever finish!