Consolidating Debt. Good or Bad?

Recently I was offered a mastercard at 1.9% interest for 6 months on balance transfers. Seeing as I had my debt spread around 2 lines of credit and a visa I thought it might be best to take advantage of this offer. I was approved for a $5000.00 limit and it was just enough to consolidate all those other debts. Now I'm not sure if it was a good or a bad thing that I did this. On one hand I'm saving a tonne in interest payments, but I'm already 3 months in and the balance isn't even below $4000.00 This worries me. I think I'm the type of person that won't do anything until it has to happen and this lower interest rate, although saving me money, is just bumping that debt down the list. I have managed to stay out of the red on both my lines of credit and until recently my visa had a balance of no more than $300.

What kind of person are you? Do you allow yourself to only act out of necessity when it comes to paying down your debt? I guess I'm overwhelmed at the moment. It can be very difficult to think you're ever going to get out of debt when you're spinning your wheels or worse, going backwards. I'm staying focused on the goals that I've set out for myself and I think I will most likely have to get a second job for a while. You've gotta do what you've gotta do. I'm looking forward to the day when I can say I'm completely debt free.

Saving With Loose Change Jars

So...Something that I love to do is to have multiple loose change jars for different purposes. This is how I lay it out-
Coins $.25 or less =Dinner, Drinks, or Movies.
Coins $1-$2 =Clothes or a day trip(gas, entertainment for the day)
Bills $5-$10=Chunk payments on loans or credit cards

At the end of every day when I get home I empty the change out of my pockets and check my wallet for bills. I put everything in the appropriate jar and watch it grow. I never dip into the jars for anything other than their labeled purpose. I also try to wait until each jar is full to the brim before I even think about counting it. When you do count the change up after the jar becomes full I guarantee you will be blown away by how much is in there. And lets face it, what do we always end up spending the loose change in our pockets on? I know I usually spend it on junk food or pop. It's a great feeling when you count a jar for the first time and realize how much money you have managed to save without much effort at all.

Have fun with this tip. It's hard not to!