I doubt that I am older or wiser; but, my general philosophy is to avoid debt whenever and wherever possible ... and, take any steps possible to pay off any existing debt.
We all have ongoing EXPENSES; but, if you can eliminate DEBT, that can be liberating.

I am an avid gardener. But, keep in mind that gardening MAY NOT be a money-saving proposition. If you figure your value in time and materials, it may (or may not) cost less to purchase your produce instead of growing it.
However, the benefits of growing your own vegetables [especially if you grow with Organic principles] can be an excellent INVESTMENT in your overall health and vigor.

Best of luck!