Last week we started talking about food waste and how to prevent it.  Of course it starts in the planning stage, before you even buy your food; if you can get that right, you'll be half way there.  Once food is in the home it must be stored correctly then served when it's at its peak - both in flavour and nutrition.  Storing food will be our subject tomorrow, today we're focusing on stopping the waste.

When you buy anything you are responsible for it and if you're living frugally you want to get the full value of it.  If you buy a dog you must make sure it stays healthy and doesn't bark day and night upsetting the neighbours, your car needs to be kept in good mechanical condition and only those licensed to drive can operate it.  Everything you buy comes with its own set of responsibilities - food is no exception.  When you bring it home you must store it so that it doesn't deteriorate before you have a chance to eat it, and if there is food that will not be eaten by the family, it should be disposed of in an environmentally friendly way - that is your responsibility.  Throwing food in the bin to be taken to the rubbish tip or putting it in the garbage disposal system isn't a solution.  You're passing your responsibility on to someone else.  If you believe that living more simply involves personal responsibility and independence, this is an area that you'll need to focus on.

We deal with food scraps and waste according to the value it returns to us.  On the top of that hierarchy are the chickens - they turn scraps into food again so they're at the top of the chain.  The chooks get plate leftovers, day old bread (I bake almost every day because we like fresh bread), leftover salad, tops of tomatoes, fruit and vegetables peels.  Along with the fresh greens they're fed from the garden and the grain we buy for them, they use that food to lay eggs for us and therefore we get the most value from food waste by giving it to the chickens.

We love our dog so even though there is no returned value except for the look on her face, Alice gets left over pieces of cake, soft biscuits and all the pieces of meaty fat or gristle I trim off meat before cooking.

The worms are the next level in the hierarchy.  They get whatever food no one else wants.  I put it through the food processor so it's in tiny pieces.  They don't need much feeding so their leftover feasts are an occasional thing, definitely not daily.

Potato and onion peels are put in the closed compost bin to slowly decompose.  If left in the open compost, they take too long.  Egg shells are left to dry, then pulverised and added to the chook food as a calcium supplement.  Tea leaves or tea bags go into the general compost, coffee grounds around acid loving plants, like blueberries.  Pineapple tops can be planted - in a semi-tropical or tropical climate they'll fruit in their second year.  Everything else goes into the general compost.

Of course all this is dependant on having those systems and animals in your backyard.  I wonder how people dispose of food waste when they live in an apartment  or flat.  What do you do if you live in a house with no backyard, or a backyard but no chickens, dogs or worms?  Of course there is the Bokashi compost system, but I'd be very interested in knowing other means of efficient and environmentally friendly food waste disposal.  Please leave a comment if you're doing something clever or different.

I promised the dog food recipe today and I think it fits in nicely here because it can help you get good use from those vegetables that are going a bit soft.  It also cuts down on all those tins too.

This is taken from my post on dog food here.

When it's cold, place into portion sized plastic containers and freeze until you need them.We make this once a week. It feeds our two dogs for seven days. The dogs love it and it's got no preservatives or artifical flavourings in it. It costs around $7 a week.

They also have a scoop of Omega 3 dog biscuits in the morning.  Alice weighs around 22 kgs and she gets two cups of this food per day.

I never heard of other things to wash the dishes with, before coming to your blog, so I used sponges... Since I now need to learn how to knit them, I made some "sponges" out of the old blanket and wash up with these, and have to say I'm pretty happy with them. (but still need to learn how to knit, I'm just too curious.)
There's the rice cooker, that's always there (I married a man from the reunion island and he needs his rice every day...being dutch myself I love potatoes and pasta more).

 

Please don't forget to comment.  A comment is like payment for the time taken to post, and in this case in sending in the photos.  Many of us were enthusiastic about this series, so make sure all the photos get a good number of comments.  I don't want any of the ladies sending in photos to regret joining in.  Thank you friends.    

Today's photos show a very different kind of kitchen.  It's Caitlin's kitchen and she is living in China. 

"So here is a photo of my kitchen sink.  I am currently a Peace Corps volunteer teaching English in a small town in the north west of China.  The name of my city is Qingyang and it is in Gansu Province.  I am about a 3 hour drive from Xi'an and the Terricotta soldiers.  I have lived here for about 18 months now and feel like I am at home and a very large part of me never wants to leave. 

So, the sink.  Well, it is just this small box of a sink that doesnt fit much, nor does it drain well.  It is also about 3 feet high and I am almost 6 feet tall, so back pains come with doing the dishes, which I avoid doing daily.  There is no hot water in my apartment here, so when it is cold my hands freeze while doing the dishes.  I would boil some water to do the dishes with, but my gas stove has proven dangerous and I try to use it as little as possible.  I do have a small electric hot plate that I cook with, but it only works with the wok that it came with and takes a life time to boil an entire wok of water.  The only hot water that I have access to comes from my shower heater which takes two hours to heat up and provides about 5 minutes worth of hot water.  However, I try not to plug it in too often because the electric wiring in my bathroom has started smoking recently.  The socket even exploded on me the other day with a loud POP and sparks flying everywhere.  I had a man come and fix it, but now I am terrified of it and wear gloves and wrap my hand in numerous towels when plugging it in for my twice-a-week shower. 

My kitchen has, as most kitchens in China, just a cement floor.  I am on the sixth floor and top floor of my apartment building and when it rains all the water comes in through the windows, onto my counter and then flood the floor--which I then mop with.  As well as the windows leaking, so does my ceiling, which is now cracking and falling down around me. 

But even with all of the obstacles, I have managed to keep up with cooking, a hobbie I love.  Some friends and I even produced an incredible Thanksgiving meal last month (minus the turkey--as there are no turkeys in China, nor ovens large enough to cook them).

I still love it here, though.  It has only made me more flexible and now I know that I can live just about anywhere and repair or simply live with just about anything.

谢谢和再见

(thank you and goodbye)"

Tomorrow's kitchen is in France.

I am often asked what areas people should simplify first.  That question really has a lot of answers, depending on the person asking.  The general answer is that if you focus first on the things that help you stay alive - like food and shelter, you can't go far wrong.  So today we'll continue with the food theme and discuss food waste and using your leftovers.

I don't want to look up the food waste statistics.  Last time I did that I was shocked they were so high. It seemed like such a bleak and dark story of our lack of care. I do know, because I read it in a newspaper article, that currently 15 percent of food in American households is wasted every week.  That means that if your food budget is $100 per week, you'd be wasting, on average, $15 a week.  That's throwing $15 every week, or $780 every year, in the rubbish bin.  I would expect the figures in Australia, Canada and Europe to be similar to those in America.  We shame ourselves with statistics like that.  There should be no, or very little, food waste in your bin at the end of the week.  This is something we can all work on - I know I am guilty of leaving food too long in the fridge.

Of course the best way is to plan well so there is no wastage.  Planning needs to be done at the buying stage, assisted by meal plans, freezer and stockpile lists.  Often the food doesn't even get to the cooking or left over stage.  It sits neglected in the fridge for weeks and is then thrown in the bin.  (Insert my shamed face here.)

Meal plans are a bit like budgets.  They help you look at your resources in a way that helps cut down or eliminate waste and use what you have to get the best value for your dollar/pound.  If you haven't tried meal planning yet, give it a go. It may well save you lots of time, effort and money.  Don't forget to include snacks, fruit and baked goods in your plans and stick the plan on the fridge so everyone knows well in advance what's for dinner and how to help you prepare it.

Once the meal is finished, how often do you have leftovers?  If it's quite often, maybe you need to cook less.  I do know many cooks make too much on purpose so they have leftovers for lunch the following day.  I tend to make leftovers into the main meal the following night  Here is a recipe I made up last week from the leftovers of roast pork.  You could make the same thing with beef, lamb, goat, venison or chicken.  Just make sure you make too much gravy on the first night so that you have about a cup of gravy left over.

Coarsely mince up the leftover meat.  I used my food processor to do that.  It will only take 30 seconds or so to do.  I remember though, doing this task for my mum when I was young and using a meat grinder - one of those metal ones that you attach to the kitchen table and grind with the handle.  So, of course, the old-fashioned way is also suitable, or you could just cut it up with your sharp knife.  Make sure you don't over process it - you want to retain the texture of the meat, not have it like paste.

My mother used to call this dish - Hash, so here is my recipe for using leftover roast post - Pork Hash.

Vickie is the proud owner of today's kitchen.  Thanks for taking part in this Vickie.

Vickie writes:

"I'm Vickie from Sand Flat Farm in East Texas. I loved your idea of seeing everyone's kitchens.  I know you're getting swamped with photos, but I still wanted to send mine. This is our 70+ year old farmhouse which we recently redid cottage style. Everything vintage from garage sales, hand-me-downs, estate sales, etc., went into our farmhouse. I do have a stainless sink that was put in several years ago, and we didn't change that. I'd love to have one of those big deep farm sinks someday. 

 The kitchen was DARK knotty pine and we took off the cabinet doors and painted everything a light green and yellow. Over my kitchen window, I took an old crocheted pillowcase from a garage sale and fashioned a little valance. I collect old pitchers, and I have lots of things from my grandmothers. (I did have to get me a new microwave & stove because the others were kaput!)  I LOVE my kitchen and enjoy looking out the window at our farm while I'm cooking or washing up.

 Thanks for looking!"

You can visit Vickie's blog here.

Please don't forget to comment.  A comment is like payment for the time taken to post, and in this case in sending in the photos.  Many of us were enthusiastic about this series, so make sure all the photos get a good number of comments.  I don't want any of the ladies sending in photos to regret joining in.  Thank you friends.  

I guess this is stage three of our series.  You start living more simply by thinking about the changes you would like to make and you make them; then you sort out your financial situation and work on a budget.  Either one of the two first steps will generally make you realise that you need to economise and rid your home and food of as many chemicals as possible and that will lead you on to the practicalities of simple living - getting back to basics.

Back when I was a girl, there were few convenience foods and generally food was fresh. During the 1950s, food started to be overly processed and had preservatives added so that it could be sold in supermarkets instead of at little corner shops.  Instead of eating rolled oats we started eating corn flakes. Freshly squeezed orange juice was replaced by juice made with oranges from foreign lands, with preservative to help it last a long time and colourings to make it look fresh.  Margarine started replacing butter and we spread it on sliced, white, tasteless bread.

There is no doubt about it, the more you do for yourself, the more money you'll save and the more control  you'll have over the preservatives and chemicals you live with.  When I first started living more simply there were so many things I wanted to do, I needed to prioritise my lists.  I decided the best way for me to go would be to concentrate on those things we used a lot of or were a daily need.  Enter breadmaking.

This is a rye loaf I made last week.

I love every aspect of breadmaking, maybe because my father was a baker, but the entire process makes me feel good.  I like selecting my flours, I like decanting large bags of flour into smaller bins, I like reading new recipes, I like making bread - both in the breadmaker and by hand, I like decorating it with oats, seeds and cornmeal, I like the smell of bread baking and I love serving it up for lunch most days.  Every one of those actions reaffirms to me my role of a provider of good food.

I think I make a pretty good loaf now but that wasn't always the case.  Breadmaking is like a mini science experiment that happens in the kitchen every day.  Early on I realised that to be good at it, I had to understand the process, not just enjoy the result.  If you're going to make good bread consistently and not waste too much flour, you have to know what happens, why you use certain flours and the role of gluten, yeast, salt, butter/oil and water.  The place I went to learn these things was Baking 911.  There is a menu at the top of the page that will lead you to all sorts of excellent information.  There are instructions on how to make cakes, biscuits, muffins etc but of you're interested in breadmaking, go to Bread101.  If something goes wrong with your bread, you'll probably find the reason why there.

But today I'll talk about my bread recipe and encourage you to try making your own bread, even if you've never done it before.  The recipe below, my general daily loaf, works with most types of flour - you'll just have to adjust the amount of water you use.  You can use one type of flour or a combination of flours - whole wheat, rye, corn and barley, whatever.  If you're using one of those heavy flours, a good tactic is to add a cup of white flour to the mix. It will make the bread rise more and give you a lighter loaf.  This recipe can be made by hand or in the breadmaker, and if you use the breadmaker, you can cook it in the machine or use the dough setting, remove the dough when it's gone through the cycle and bake the bread in your oven.  If you use fresh ingredients and follow the recipe you should get a good loaf of bread.

RECIPE

Mix the first three ingredients in a tea cup and allow it to froth up.  This is called proving the yeast.  If you do this, you will be certain that the yeast you're using is capable of making the bread rise.

If you use the breadmaker to mix the dough, add the ingredients according to what type of machine you have.  I  usually start with the flour and put everything else on top.  It doesn't seem to matter much what order it goes in, as long as you mix it straight away, but if you're setting your machine to start early in the morning and loading the bucket at night, always do it in the order your machine needs. 

If you dont know how to make bread by hand, read these instructions from an earlier post.

Whether you're making your bread by hand or with a machine, get your clean hands in there and feel the dough.  That is the only way you'll know if you've used enough water.  Learn how to judge a good dough, know when you should add more water, or more flour.  You need your hands in the dough to make those judgements.  Look at the dough and learn during the various stages.

Breadmaking, the ability to make a good loaf of bread every day, it a great skill to have.  Once you've mastered this basic loaf, experiment with toppings and shapes.  Then move on to other types of breads - bread rolls, pizzas and calzone, fruit loaf, cinnamon loaf and rolls, Easter breads and the various delicious ethnic breads.

All these skills will allow you to produce delicious and wholesome food for a fraction of the price you'd pay in the shop, and you'll probably have a better product with no preservatives.  Breadmaking is not difficult but it takes time, patience and observation.  If you let it, bread can teach you to slow down a little.  Bread will not be rushed.

So if you've never made bread before, start with this recipe; if you've tried and failed, let this be a call to you to come back to it.  When you master a good loaf, you'll feel proud of your efforts and your family will love you for giving them this steaming, hot, nutritious treat every day.  If you have any problems, go to my Down to Earth forum, tell me what's happened and I, or one of the other members, will help you get back on track again.  And if  you do make the best loaf ever, take a photo of it and send it to me.  If I get a few, I'll make a bread gallery of all our loaves made during the coming week.  Don't let doubt, indifference or fear of failure stop you, dive in.

While I slept, the counter ticked over past 2 million visitors.  What a milestone!  Thank you for your visits.  It's always a delight for me to get to know you through your comments.  I do not have the time to reply to the comments very much but I read and appreciate every one of them  They show me in a very clear way that Hanno and I are not alone and that many other people strive to live a simple and gentle life.  BTW, together, you've read 3.5 million pages here.

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Yesterday I wrote about one parent staying at home with the children and how that can help save money.  Today I want to write about what often come up when that topic is featured - the lack of support for both SAHMs and working mums, or dads.

When I and my children were much younger, I worked.  I was very fortunate in that I could always work from home as a writer.  Hanno built an office at home and I would work there as a journalist, and alongside another women who I paid, we produced the town's newspaper and did various other writing jobs.  I would start work early, then stop to make Hanno's breakfast and wake the kids for school.  I'd do my housework, then return to work when the kids went off to school.  They walked there, it was in the next street.  I stopped work when they came home for lunch and we'd have lunch together, then worked again.  I know I was a very lucky woman to have that working situation and I know it's not like that for most working women.

All graphics by Carl Larsson

I am very rarely in groups of women where this subject is talked about but I've seen it featured on TV and it's usually portrayed in a very negative way.  It's SAHMs versus working women, like it's a battle over who has the high ground.  No one has the high ground, most of us are just doing what we have to do to get by.  When I was working from home when I was younger, I had friends who worked and most of the time, they had to work.  I also had friends who were SAHMs who wanted to work but couldn't find a job and friends who were working who wanted to be at home.

You can never be sure of anyone else's circumstances.  What looks black and white, often is not.  None of us should stand in judgement and say what others are doing is wrong.  What I would like to see is a return to the way women supported each other as I was growing up.  In those days we all encouraged each other, we supported our friends and other women in their choices and if we could help them, we did. 

Raising children is not an isolated process, our children grow not only within their family but also within their neighbourhood.   They will come across all manner of people, some will be like us, some won't be, but being tolerant of the beliefs of others, makes the neighbourhood stronger and more resilient. It shows young children that not everyone is the same, or like us, but they're still good people.  That builds confidence and children feel they can rely on the people they are growing up alongside - it makes them feel secure.

Life is not about possessions - it's about living and finding pleasure and goodness in our days.  All of us can do that without demeaning the choices others make.  I hope the next time you have the opportunity to join in a conversation where you could criticise, you'll decide against it.  I hope we all move closer to support and encouragement rather than closer to disapproval and judgment.  I hope that all of us together show our friends that there is no one right way.  We all have to choose what is right for our family situation. Life is tough enough without having people in our family or neighbourhood criticise our choices.  Living a more simple life isn't just about the practicalities of life, it is also about raising a fine family and building a community you feel proud to be a part of.  This is one small step towards that.

Tomorrow we will move on to the practicalities of home.

Getting finances organised and controlled is one of the early actions of most simple lives, even for those who have no need to budget their money. There are many people who strive to live more simply while earning a good living.  They need to practise moderation and reduce the stuff they're surrounded by.  The challenge for these people is to live to their values and, like those of us who do budget, get the money organised so we can concentrate on the important task of living.

While not everyone gets married or lives with a chosen partner, most of us do and that can be an important part of a strategy that supports and assists living on a budget.  It is a common assumption nowadays that it takes two wages to raise a family.  But for many families, where it has been decided that one parent should be at home with the children, they have made it work on one income, even with a number of mouths to feed.  If you are undecided about whether this would work for you, sit for a moment and work it out.

If you have to pay for child care, transport, work clothes, hair cuts, makeup etc, and your job pays a minimal amount, it will probably save you money not to work.  Always do the sums.  Don't just assume that any job will be good for your family.  Make sure it will actually be worthwhile.  If your work related expenses add up to $300 a week and you're making $350 or $400, ask yourself if that is a valuable use of your time and efforts, because there is another way.

If the parent earning the smallest wage stays home, it is then their job to run the home like a small business.  It is their job to make a budget and stick to it, scan the flyers for grocery bargains, stockpile, learn the skills necessary to make healthy bread and nutritious meals from scratch.  On these things alone, the home will function on less money.  If you were going to earn fifty or a hundred dollars from that job you were offered, you should be able to save that amount with prudent shopping and cutting back.

Unless you are super organised, your grocery bill will increase when you work.  You'll buy different foods because you need the convenience of them.  You'll need to streamline your household activities because you won't have as much time to spend on chores and the children. Convenience foods usually make an entrance in those circumstances.

If you're in the position now of trying to decide whether to work, give this a try before you make the decision.  Of course, there will be those who tell you that you should work, but you don't have to listen to them.  If you're young and have always thought of yourself as a worker then being at home with your children will be just the challenge for you. You will be taking control of your family money and it will be your job to buy everything you need to stay happy and healthy on budget, you will pay the bills, on time, now and every month, you will make important choices every day about what your family consumes and it will be your job to stretch every penny until it hurts.

This is an interesting and significant job.  You'll re-skill yourself in the kitchen, you'll learn to sew, mend and knit.  Instead of buying new curtains or dishcloths, you'll make them.  Gone are the days when you'd clean with spray and wipe chemicals, in your home that cleaning is done in a gentler way.  You'll be cutting up old sheets for cleaning rags, sewing on buttons, repairing rips and generally making everything last longer.  If you've never taken control of your home before it will be very liberating and exciting.  Despite what your friends say, you won't be bored because your days will be filled with a purpose - to make you home comfortable and warm, to teach yourself life skills and to show your children, by example, how real life is.

If you're trying to decide on whether to go back to work, or if you're already working at home but have stalled a bit because you have no role models and are unsure of your first or next step, I'm here to say that being a homemaker is enriching and life enhancing.  It can help make your family a strong and tight unit,  it can help provide the warmth and security necessary for a growing family and it might be the making of you.  It was for me.

This way of life is not just for those who choose to stay at home.  If you're newly married or in a relationship with no children and you're both working, try living off one wage and using the other to pay off debt. I know Little Jenny Wren and her family have always lived this way, even when she was working outside the home.  I think those of you who read her blog would agree, she has built a beautiful and joy-filled life.   This is not just a great budgeting strategy, it is a good way of moving towards the life you want to live.

So if you're at this point of your life, dive in.  It will not be easy - you'll work more - but it will be satisfying, enriching and life enhancing work.  You'll be stepping away from what is expected of you, but that will give you the unique opportunity to build the life you want, instead of trying to fit into the one size fits all life that is on offer in every shop, on every main street, in every Western country.  Don't listen to the naysayers - building a life at home is an active and positive step towards a way of life that gives more than it takes.  Dive in.

Today's kitchen is in southwestern Oklahoma in the United States and it is where Cat cooks for her family of six.

Cat writes:

"I hesitated to send mine as it's not the cute "homey" style of the others.  But then thought, "why not", as many different types of people can have the goal of a simpler life.  We had a water leak within a few months of purchasing this home (built in the 1960's) in 2007, necessitating a complete overhaul.  It's not complete yet as in the past two years since beginning, we've had a new baby and my husband had a 15-month overseas military deployment.  And now have another baby due in March.  But it's very functional for the large amount of cooking I do for our family of six, soon to be seven."

Please don't send anymore photos until I call for them.  I still have a number to go in this batch.  I'll let you know when you can send them again.  Thank you.

Please don't forget to comment.  A comment is like payment for the time taken to post, and in this case in sending in the photos.  Many of us were enthusiastic about this series, so make sure all the photos get a good number of comments.  I don't want any of the ladies sending in photos to regret joining in.  Thank you friends. 

Today's beautiful kitchen comes from New South Wales, which is the state I was born in.  Thanks for sharing your kitchen Melissa.

Melissa writes:

"The photo of my kitchen sink has a vintage dish draining rack that my mother gave me plus 2 wooden scrubbing brushes that I love to use. In the other 2 photo's I love to collect vintage china. I have also inherited quite a few pieces from my grandparents & my husbands grandparents. The christmas stockings that are hanging on the dresser I made a few years back. It's funny you mentioned about kitchens as I recently wrote a post on my blog about my kitchen which has more photo's.  Thanks for allowing me to show you my kitchen."

My blog is

http://vintagerose-at-plumthorpe.blogspot.com

 Check out Melissa's blog.  The photos of her daughter are very charming.

Please don't forget to comment.  A comment is like payment for the time taken to post, and in this case in sending in the photos.  Many of us were enthusiastic about this series, so make sure all the photos get a good number of comments.  I don't want any of the ladies sending in photos to regret joining in.  Thank you friends. 

It wasn't until late yesterday afternoon that I realised it was actually Thursday.  Thursday is our kitchen sink day, so although it's one day late, here is Serena's kitchen sink.  Serena blogs at serenassecretgardens.  Thanks for sending your photos, Serena.

It might sound strange but it's a good idea to start off your debt reduction program by saving for an emergency fund, before you pay off your debt.  Even if you can put aside $500, do it, put it in a separate account where you won't be tempted by it and leave it for unexpected emergencies.  If you can get your fund to $1000 fast, do it, but have at least a $500 cushion before you start reducing your debt.  You emergency fund will be a god-send if your car breaks down, you need new tyres, the dog gets sick or the children need something important that you didn't budget for.  Having that emergency fund will stop you putting those unexpected expenses on your credit card.  This is a way of preparing to reduce your debt.  You will give yourself the best chance of success if you have that cash tucked away somewhere.

If you have only one credit card, find out what the minimum payment is every month and pay that, plus every extra dollar you have spare. It will be difficult at first but as you see the amount reduce every month, it will give you even more incentive to keep paying it off.  You will see the light at the end of the tunnel.  Don't be tempted to go back to spending when you reduce your debt.  Keep going until you've got that final payment, then celebrate your success with the knowledge that you were strong enough to stand up to the banks, the department stores and your old ways, and you won!

If you have more than one credit card you can snowball your payments.  This means you make a list of all your cards with the smallest amount at the top and the highest at the bottom.  Make a list of all the minimum amounts and pay those minimum amounts on all the cards except the one at the top.  On that one you pay at least the minimum, plus as much money as you can spare that month.  Search high and low for a spare five dollars, search pockets and purses, just make sure you pay as much as you possibly can.  When you finish paying off that first credit card, you concentrate of the second one on the list.  On this credit card you will pay the minimum payment, plus the minimum payment you were paying on the first card and anything extra you can manage that month.  This card will be paid off faster than the first card because you're using that extra payment from the first, now retired, card.  And you keep on doing that - paying the minimum on all cards , plus as much as possible on the top card, until they're all paid off.

It sounds simple writing it down like that and I know it's not simple, or easy.  But if you can do this, if you can dig yourself out from this debt, you'll put yourself in a much better position to live the life you want.  Debt strangles you.

I have no doubt that while you're paying off your debt you will get a letter from the bank telling you that as you're such a good customer, they're raising your credit limit and please feel free to use the extra credit facilities they so kindly offer you.  (gag)  Always remember this: it is not in the bank's interest for you to pay off your debt quickly or completely.  When you do that, they stop getting your money.  They will tempt you, YOU will tempt you, you say you've been so good you deserve a reward.  And yes, you do deserve a reward.  But the reward you really deserve is to be debt-free.  Never stray from that thought.  Having no debt will set you free.  I'm not saying you'll never spend money on what you fancy again. But when you get rid of your debt burden you will look at spending in a different light.  You will know how difficult it is to pay back and you won't want to go back there again.  So, when you get that letter from the bank extending your credit, write back and tell them to decrease your limit.  If you used to have $5000, reduce it to $3000, when you pay off more, reduce it again.  It will reduce your temptation in this period of debt reduction and as you're such a good customer you'll be given the credit you desire when you finish paying everything off, if you do decide to keep just one credit card.

Another way to save for debt reduction is to have a change jar.  It can be anything like a jar or tin or old vase.  Leave it in your bedroom and every time you come home, put your loose change into the jar.  If you have any spare small notes, put them in too.  It will quickly build up if you do it every time you come home.  Don't raid the jar!  It's not for spending, it's your savings and part of this debt reduction program.  Every so often, or when you have to make a credit card payment - or a mortgage payment, take the jar with you to be counted and added to your payments.

If you have a lot of debt it will take a lot of will power to get yourself out of that hole. But it's not impossible.  Starting is difficult - making those decisions to change always are, staying on target is difficult too but if you're reading this you're probably at the stage when you're ready to do it.  Remember what I wrote about sacrifices yesterday.  We all have to make them at some point.  So if you're at the beginning of your debt reduction, or half way through it, I wish you the very best and hope you achieve what you set out to do.