For example,
case 1) (noraml people will do)
Jan 10 pay mortgage $2,000
Jan 17 pay extra $2,000
case 2) (as suggested)
Jan 10 pay mortgage $4,000 (regular + extra)
Jan 17 pay back to HELOC ($2000 + 7 days higher interest)
Obviously, you pay more as result of being taught hand by hand.
case 1) (noraml people will do)
Jan 10 pay mortgage $2,000
Jan 17 pay extra $2,000
case 2) (as suggested)
Jan 10 pay mortgage $4,000 (regular + extra)
Jan 17 pay back to HELOC ($2000 + 7 days higher interest)
Obviously, you pay more as result of being taught hand by hand.