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Mulching any time of year can attract termites, so there’s no added risk in the fall. The important thing to remember is that termites are attracted to rotting wood, so you need to lay a thin enough layer that won’t trap too much moisture and lead to rotting. A layer between 1 and 4 inches thick should provide all the benefits you’re looking for without attracting termites.

Stump grindings are usually safe to use in soil, but in some cases, it’s not recommended. Wood chips in particular can bind nitrogen in the soil, which will make it difficult for grass to grow. That’s why it’s important to remove most wood chips and use healthy garden soil if you want to cover the stump spot with grass. Large wood chips may attract beetles and could encourage the growth of fungi when they decay, so you may want to remove them when using the grindings.

When you purchase mulch for delivery, it’s usually by the cubic yard, so you’ll want to convert your space to cubic yards to get the right amount. First, determine the square footage of the area you want to cover, and then determine how deep the bed of mulch will be—a good rule of thumb is around three inches. Multiply your square footage in feet by the depth in inches and divide by 324. You may want to add a ½ to one additional cubic yard to ensure you have enough.

The most important thing to put under a rock garden is the appropriate soil. The specific soil needed will depend on the type of plants you’re growing as well as the environment you live in. You can also put non-woven or woven fabric under the rocks to add to the garden's structural stability.