You need a retaining wall. But first I think you should consult with a landscape architect or designer to get a plan going for what your landscape should look like. Then you can execute the plan yourselves or hire it done. Carolyn Albert-Kincl, ASID

And I would be planting trees – real trees not dwarf versions of trees and no more palms (unless you want to have palm tree themed garden – in which case a lot more palms are needed). I am not advocating planting forest giants but there are trees that will provide shade, shelter and a sense of scale that you won't get from yuccas and buxus and mondo grass and succulents alone. But before you start buying those trees you have a few decisions to make and a bit of analysis to do. 1. Orientation – you need to understand the basics of winter sun and summer sun, how much westerly sun you welcome and how much you need to shelter from it; where your prevailing winds blow from and whether this changes with the season also. So, once you've worked out where you want the sun to penetrate and at what time of the year, how to allow for wind, frost, whatever... you need to 2. Decide if you want a predominantly native garden, a range of deciduous trees or a completely eclectic selection (like the best 'English' gardens – which are planted out with plants from all over the world – Indian subcontinent, Asia, Africa, The Americas etc. Even some from Australia!). 3. Now the tricky bit – what do you love, i.e. which trees and plants make your heart really sing – and hopefully for more than two or three weeks of the year? Once you have that list which of those are likely to be happy in your climate, in your soil and with the amount of gardening attention (watering, feeding, pruning etc) that you're likely to enjoy lavishing on them. Your long list will by now be a much shorter (and more manageable list) but trees are what make a house look bedded in and part of a landscape rather than just sitting out in the open in a way that is both self-conscious and a bit awkward. Although, again I guess you could embrace the suburban awkwardness and go all Howard Arkley in which case keep it all small and suburban... But it is your garden and your house – make it look like what you want your house and garden to look and feel like! Good luck!

Where is your house? Low maintenance plants depend on the zone. I wouldn't plant in your rock skirt. Ideally you'd put your rock skirt around the house and then planting beds outside of that. The skirt keeps mud and dirt off the house and let's you spray for bugs etc. since your skirt runs right up to the driveway on that side, I think your options for plants would be some large pots or window boxes. I'd paint your foundation the same color as your grout in the brick to help it blend in.

Thanks for the replies! My wife suggested we talk to a local real estate agent, so i think that is a good idea... just that Im not sure how helpful they are likely to be if we arent selling yet :) As for saving for our dream house, I dont disagree, however if doing this up nicely over the next ~5 years or so while we live here nets us some extra in the eventual sale, then that of course will help us as well. Interesting thing happened today actually. I got a knock on the door and one of the older neighbours asked if he could take some lemons from the tree. I of course said yes. Anyway he was telling me he had lived in the street for 40 years. I asked him if the house had always looked like this, and he said no that ~30 years ago the old old owner did a massive renovation and pulled off the timber and put up the bricks and gutted the inside of the house. Interesting stuff!