Debt Command Center

Reclaim Your Cash Flow. Restore Your Sovereignty

Features & Options

High-interest debt is the greatest threat to your financial fiefdom. It drains your “War Chest” and delays your ability to acquire real assets.

The Peasant Finance Debt Command Center is not just a calculator—it is a strategic weapon. Whether you need the psychological momentum of the Snowball Method or the mathematical efficiency of the Avalanche Method, we help you visualize the path to zero. Most importantly, we identify where you can leverage your existing assets to crush liabilities instantly.

Snowball vs. Avalanche

Toggle between attacking the smallest balance for quick wins (Snowball) or the highest interest for maximum savings (Avalanche).

Asset Leverage Logic

Our unique algorithm checks if your real estate or assets can be used to swap high interest debt for low-interest consolidated financing.

Interest Destruction

By restructuring scattered debts into one optimized payment, you can often free up hundreds of dollars in monthly cash flow.

The "War Chest" Budget

Input your monthly budget to see exactly how drastically a few extra dollars can shorten your “Time to Freedom.”

Long Term Horizon

Funds must stay in the plan for 10 years after the last grant to avoid “clawbacks”.

Peasant Finance Strategy

We don’t just want you debt-free; we want you ready to buy. We position your exit strategy to qualify for future mortgages.

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Deploy your capital and analyze your exit strategy with the Command Center below

The Strategic Pivot: Turning Consumer Liabilities into Portfolio Leverage

For a property owner or aspiring investor, debt isn’t just a monthly bill—it is a drag on your portfolio’s velocity. Carrying high-interest consumer debt (credit cards, personal loans) while sitting on significant real estate equity is financially inefficient. It is time to stop paying a “premium” to the banks and start restructuring your balance sheet for sovereignty.

1. The Two Fronts of War: Avalanche vs. Snowball

Most debtors fail because they lack a battle plan. The Debt Command Center allows you to toggle between the two most effective psychological and mathematical strategies:

The Avalanche (The Mathematician’s Choice): You attack the debt with the highest interest rate first. This is the most efficient path, saving you thousands of dollars in pure interest over the life of the loans.
The Snowball (The Psychologist’s Choice): You destroy the smallest balance first. While mathematically slower, the psychological “win” of eliminating a creditor entirely builds the momentum needed to stick to the plan.

2. The Equity Arbitrage: Why Consolidation Wins

The biggest mistake we see at Peasant Finance is a landlord paying 19.99% interest on a $20,000 credit card while sitting on $500,000 of home equity that could be accessed at a fraction of that rate.

The Problem: Unsecured debt eats your cash flow. A $50,000 unsecured debt load might cost you $1,500/month in minimum payments.
The Solution: By consolidating that debt into a secured mortgage or HELOC, you lower the interest rate drastically.
The Result: That $1,500/month obligation might drop to $350/month. This doesn’t just save money; it reclaims $1,150 of monthly cash flow that can be redirected into your “War Chest” for investments or principal repayment.

3. Protecting the Fiefdom: Liquidity is Sovereignty

In the game of real estate and wealth building, Cash Flow is King. High monthly debt obligations make you vulnerable to interest rate shocks or vacancies.

Lower Your “Burn Rate”: Consolidating debt lowers your mandatory monthly outflow, making your personal economy more resilient to recession.
Qualify for More: When you apply for your next rental property mortgage, lenders look at your Debt Service Ratios. High credit card payments kill deals. Consolidating them restores your borrowing power for future acquisitions.

The Peasant Finance Advantage: “We don’t view debt repayment as a punishment; we view it as ‘balance sheet optimization.’ By moving bad debt (high interest) into good debt (low interest, tax-deductible where possible), we don’t just get you to zero—we get you ready to buy again.”

Executing Your Strategy: From Liabilities to Leverage

This checklist outlines the critical steps to effectively use the Command Center, helping you choose between psychological momentum (Snowball) or mathematical efficiency (Avalanche) while identifying opportunities to consolidate.

Phase 1: Tactical Assessment (Gather Intelligence)

The Audit: Before entering data, gather the most recent statements for every credit card, line of credit, and loan. Guessing your interest rate leads to a failed strategy.

The “Bleed” Check: Identify the “Minimum Payment” for each debt. This is the amount currently required just to keep the banks happy.

The War Chest: Determine your actual monthly surplus. How much extra cash can you deploy to destroy these balances? Be realistic—consistency beats intensity.

Phase 2: Strategy Selection (Choose Your Weapon)

Option A: The Avalanche Protocol (Math): If you are disciplined and want to save the most money possible, select this method. The calculator will direct your “War Chest” to the debt with the highest interest rate (e.g., 22% Store Card) first.

Option B: The Snowball Protocol (Momentum): If you feel overwhelmed, choose this method. The calculator targets the smallest balance first. Clearing a $500 debt entirely provides the psychological dopamine hit needed to keep fighting.

Review: Toggle between the two results to see the difference in “Time to Debt Free.”

Phase 3: The Leverage Check (Asset Deployment)

Identify Equity: Do you own a home, rental property, or vehicle with positive equity? Enter these in the “Strategic Assets” section.

The Arbitration Opportunity: The calculator will flag if you have enough equity to consolidate.

The Pivot: If the calculator triggers a “Strategic Opportunity” popup, pause your repayment plan and contact Peasant Finance. Moving $30k of credit card debt (19%) into a mortgage refinance (4-5%) can save you hundreds per month instantly.

Phase 4: Execution & Cash Flow Redeployment

Automate the Attack: Once your strategy is set, automate the payments. Do not rely on willpower.

Redeploy the Cash: As debts are paid off, do not absorb the extra cash back into your lifestyle. Roll it into the next debt (Snowball) or, if you are debt-free, redirect it into your TFSA or Real Estate acquisition fund.

The Exit: Your goal is not just to be debt-free, but to be “bankable.” Lowering your debt-to-income ratio is the fastest way to qualify for your next rental property mortgage.