Is it okay that the mulch is touching the stems of my plants?

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Actually no it isn't Fred. ( smile)

Mulch should never touch the stems, so please scrape back that mulch so you have at least several inches free of mulch.

Carolyn

Insects and rodents love mulch touching plants. It gives them shelter. Pull the mulch a few inches away from the plants.

Thanks Carolyn and Yardenman. I appreciate your kind advice. Fred in Maine

Hmmm, I've had lots of success with red mulch right to the stem but you make good points. I think it keeps insects away and keeps it moist.

And dont use my late start to your advantage here. :)