I condensed this into a 7 step process.
Step 1: vacuumed the existing substrate as thoroughly as possible. The substrate was already fairly clean so it only dropped the water level a couple inches. It was just about the right level in the end.
Step 2: Found some styrofoam egg cartons that hold 18 eggs. These are about 12" long and my tank is about 12" wide so it was a decent fit. I severed the bottom of the egg carton from the top and threw out the bottom. I cut the lip or flare off of it and cut the divider out of the center. I then lined the inside of the lid with cellophane
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Step 3: put soil in the lid until it was almost full.
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Step 4: wet the soil until it was completely moistened and I could see water standing in it.
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Step 5: covered the soil with sand. I let it mound up to probably nearly an inch thick or more and made sure the sand was completely wet.
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Step 6: slowly lowered the egg carton lid full of soil and sand into the tank. I piled the gravel substrate and scooped some out as needed.
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Step 7: repeated steps 2-6 until bottom of tank was lined full with egg carton lids, carefully tucking the excess cellophane in between the lids, and then slowly covering and filling all seams, bumps, and crevices with presoaked sand. Finally, I added decorations and plants. Still needs more plants. I collected more today, but they're not in these pictures. Most of these plants came from local ponds.
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I tried to time all my work so that the water had time to clear before my next intrusion. In the end, filling the holes with sand caused the most turbidity, but within an hour of finishing the tank was just as clear as it was before I started. I waited about 20 minutes before turning the light on to give the fish some peace and quiet. When I turned the light on they were acting hungry. The minnows, as always were ravenous and my male longear enjoyed a fat juicy night crawler.
I think I would prefer to do this the normal way with an empty tank, but I believe doing it like this was less stressful for the fish and it did save me time of setting up another temporary living quarters for them.
Steve.