sounds like drug addicts.....
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If you are adding real value to the house, like going from single pane windows to triple pane windows, then I can understand using a HELOC but if you are using the money for basic maintenance like painting or carpet, then you are really wasting your money in interest. IMO.
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Not a good idea to tap into your home's equity for everyday bills, but if you're going to carry it on a credit card instead, if the interest rate on the HELOC is lower than your cc plus any rewards you'd get from that card, then it makes sense. But you're playing with fire,
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