Cut my monthly bills in half by rolling loans together—anyone else try this?

I’ve tried both a personal loan and a balance transfer card at different times, and honestly, the personal loan felt less risky for me. The fixed payments made it easier to plan, and I didn’t have to stress about a promo rate expiring. I kept my old cards open but cut them up—out of sight, out of mind. My score actually improved over time, but I had to be super disciplined not to use those cards again. Did anyone else notice their spending habits changed after consolidating, or did it just make things simpler?