One of Half’s money wisdoms is that if must, and if option, then spread any debt charges across several cards, and avoid money = mass, as in accumulation, that turns into a tumor. 

Because that’s what big debt – a Gorilla of Foolishness – actually is — a terminal cancer on personal finances. 

Half’s approach is, first – avoid debt.  Half avoids debt so hard that Half borrows from Half before Half borrows from BigBiz … Half saves big chunks, then uses same big chunks as collateral for personal loans to pay off … whatever … and then Half pays Half back what Half borrowed from Half.

Genius.  Apart from that initial mistake of “I do” / ’til death, I suspect Half is actually brilliant.

BUT!  If Half needs to feed Half’s debt monkey – for whatever reason – Half will use five different credit cards and spread the debt all around the Credit Circus … a debt monkey buffet, as it were … and circumvent money = mass, i.e., accumulation.  Also get that psychopop of big spending with a low balance … $10K on 3 cards = $3K+ per card, rather than 1 card with a 5-figure balance, and a low balance is – mentally – more manageable.

Half recently spend $10K+5K+5K for house stuff, spread over four cards, and in two months had already knocked out one with the other three all at different but single-month payroll levels. 

In less than six months, Half will have managed to drop all the balances to under $1K a piece. 

See?  The Tao of Half / Dispersal Approach … an Aerosol of Debt … a Spray of Credit … a Spritz of Monkey … a delicate Eau de Poo … sublime