I handle my HELOCs the same way I do my credit cards, by playing musical chairs with them.

You don't want them to pay with a credit card and then two weeks later reverse the charge.

It will be higher because I am paying down credit cards. 

People do that frequently - the property is listed well below market value, the buyer snatch it up over asking, and both parties see it as a win-win. 

However, it becomes that many more accounts to balance at the end of the month, usually another ledger set for that account, another debit card, another set of checkbooks (good luck keeping them straight)Another way to look at it, which is where people get confused, is to be organized you don't need more bank accounts.

I believe the numbers say the most effective method is to pay off the highest interest first (same theory as a credit card).

The best thing is that you learned by doing and if you are willing to share your final financial results, if it was positive, consider that a win win as you made money while you learned!

There have been other cases that were wins and some losses.

The only way to win is to smile, use a lot of yes ma'am/sir and get out with a big check at the end

I also made a goal to pay off my credit card with close to a 10k balance as part of the boot camp , currently have 2700 left to pay off.