My kids and their friends are pretty hard on the lawn so I end up watering and cutting quite often. Prior to having kids, I fertilized the lawn about twice in a five year period and only because the previous owner had let the lawn get pretty bad. Now I fertilize lightly twice a year with the cheapest NPK fertilizer I can find. I've never had to worry about thatch, as long as the clippings are mostly less than 1/2 an inch they can be safely left on the lawn.
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