The Plan

By Carlos H. Vasquez

Think about it. Your whole life is on lease:

Mortgage payments, rent payments, car payments, student loans, cable t.v., internet, Insurance, Phone bills, Credit Cards, gas, electricity, food, clothes, furniture, vacations, trips, entertainment, and what else?

You no longer buy anything. You lease it.

But, what do you do when the bills come due?

You pull out your Bible,…. and The Plan.

• Language: English
• Publisher: Archway Publishing
• Release date: Mar 6, 2024
• ISBN: 9781665756600

Carlos H. Vasquez

Despite Carlos H. Vasquez growing up in very humble beginnings from Spanish Harlem to the Lower East Side in New York City, his education has spanned from coast to coast and even study abroad. He is a proud graduate of Pace University and New York City Community College in New York City, as well as, Los Angeles Valley College in California. He has also pursued Paralegal Studies at the University of West Los Angeles and French at the University of Laval in Quebec City Canada. He has been an Investigator for the Department of Homeless Services in New York City, Chief of the Process Serving Unit at the New York Law Department, as well as, in charge of Security for the dormitories of the University of Southern California. He has also received acknowledgments for the Security of the 1984 Olympic Games, as well as, the Rodney King Civil Disturbance in Los Angeles in 1992. He is presently the author of the novel "The Adventures of Gabriel" and lives in California.

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Copyright © 2024 Carlos H. Vasquez.

All rights reserved. No part of this book may be used or reproduced by any means, graphic, electronic, or mechanical, including photocopying, recording, taping or by any information storage retrieval system without the written permission of the author except in the case of brief quotations embodied in critical articles and reviews.

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Because of the dynamic nature of the Internet, any web addresses or links contained in this book may have changed since publication and may no longer be valid. The views expressed in this work are solely those of the author and do not necessarily reflect the views of the publisher, and the publisher hereby disclaims any responsibility for them.

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and such images are being used for illustrative purposes only.

Certain stock imagery © Getty Images.

ISBN: 978-1-6657-5659-4 (sc)

ISBN: 978-1-6657-5660-0 (e)

Library of Congress Control Number: 2024902819

Archway Publishing rev. date: 03/05/2024

Contents

About the Author

Dedication

Introduction

Homelessness

So Here is the Plan

Spending

Credit Cards

Beware of the Words Cash Back

Why Inflation Exists

Bills

There are two kinds of bills: Permanent and Flexible.

Definitions

Add both Sums

Clothes and Electronics

Credit Cards

So, now we come to the Plan to pay them off.

A way to pay off credit cards

Now Let’s Review

Overtime

Temptation

Goals

Now let’s see what this would look like in practice

Pay Days

Let’s Review

Checking

Savings

Illustration

Option A

Option B

Option A

Option B

Extra money in your Checking

Option A: Evening the months

Option B: Evening the months

Conclusion

Couples

The Money in the Jar

Kids

Hitting the Lottery

Finally

I end with this

Other Kernels of Wisdom

I Quit Money

How to cure the student loan problem.

Have you figured out a Plan?

About the Author

Despite Carlos H. Vasquez growing up in very humble beginnings from Spanish Harlem to the Lower East Side in New York City, his education has spanned from coast to coast and even study abroad.

He is a proud graduate of Pace University and New York City Community College in New York City, as well as, Los Angeles Valley College in California. He has also pursued Paralegal Studies at the University of West Los Angeles and French at the University of