MAG, I was listening to my Dirt Doctor organic guru yesterday and he described his home system that is just like my two-step compost system. I'm glad to know my instincts were correct. If I put kitchen waste directly in the compost pile then it is visited by critters, so I have a black plastic tub with a snug lid, and I drop it in there for a few weeks, then I lug it to the front, dig a hole in the top of the compost, and dump it in. By that point it is so wet and gushy it is of no interest to critters, and the breakdown switches from anerobic to aerobic. But I'd still love to get or make one of those tumblers.
Well, today at lunch I did it. I de-cluttered my bank account. Over the past few weeks I have moved debt to one credit card, and today I paid it off from a CD. There is a penalty on the CD, but the benefit is to have all of this out of the way, and the resolve to not let a balance go unpaid at the end of the month. With this out of the way, I can make bigger payments on the mortgage.