Mulch will be much cheaper initialy, but remember if you want the beds to look clean and kept, you will be replacing or I should say adding to the mulch every 8-9 months...and that is the cost of mulch plus labor. In 2-3 years your rock would be paid for with no additonal work required. Also, Mulch, although it does in the eyes of many look the best, the biggest drawback to using mulch is the threat of termites.
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