Friday Financial Foul Ups: Overdue Books Prevent Me From Renting an Apartment

Before adding another one of my Financial Foul Ups this week, I wanted to take a few words and thank the people that have already contributed to this series, and those that have agreed to contribute in the future.  I know I have learned from your experiences and I know others have as well.  If you would like to add your own financial foul up to this series, please contact me here.  The more diverse the contributors are, the more likely all sorts of people will have the opportunity to learn from this series.

This week’s Friday Financial Foul Up happened to me about five years ago, although I didn’t find out about it until two years after the fact.  It didn’t cost me much money, but it did affect my life and cause me an extreme amount of stress for several weeks.  Read on to find out what I was so foolish about.

The Situation

My second to last semester of college I planned to do an independent study.  The professor was very hands off and required no meetings, just a 50 page report on the subject turned in at the end of the semester.  I was trying to be proactive about this report, so I went to the big library in Indianapolis and grabbed about 15 books that would help me for my research in July.  Being the procrastinator I was at the time, I didn’t even crack a book until two days before the paper was really due (the first day of the next semester in January).

As you can imagine, I held onto the library books and never renewed them. I knew I was moving from Indiana in 6 months, and had no intention of using their public libraries again after this project, so I had no intention of ever stepping foot into the library to pay the late fees.  Big mistake.

Where I Fouled Up

Two years later, I found a great apartment I was going to rent with two friends while I finished grad school and they finished law school.  Everything was going well, we had settled on a place to live a month or so before we needed to move.  Rent was going to be less expensive, we were going to have more space and we were all excited.  And then it happened; I received a call saying that I had a ding on my credit report that was going to prevent us from renting the apartment.  I was flabbergasted!  I asked about what the “ding” was, and the person responded that I had an $81 bill from the Marion County Government that was unpaid.  It took me a day or two to figure out what the hell that $81 was, and then finally it clicked, “my f-ing library books that I returned 5 months overdue!”

I messed up in a few spots here.  I should have checked my credit report before applying to rent the apartment with my friends.  I should have returned the books on time.  I should have paid the late fees when they were cheap.  I shouldn’t have started the damn paper two days before it was due (I got an A on it by the way!).

What I Learned

I learned the hard way that your credit and credit report DOES matter.  As a 21 year old, often times you don’t think about those kinds of things, but I was forced to recognize their importance through this experience and through the embarrassment of telling my friends we couldn’t rent an apartment because two years prior I blatantly didn’t return library books.

Now I know to check my credit report annually to make sure everything is kosher on http://www.annualcreditreport.com.  I refuse to let this situation happen again.  And I am glad something like this happened at the age of 21 instead of 25 when I needed to buy my car, or when I am in my thirties and looking to buy a house.

There are plenty of morals to this story.  If nothing else, I hope you all remember to please return your library books.  (It will make Mrs. Micah happy, I can promise you that!)

———-

Do you like this series? Check Out The Previous Foul Ups:

Foul Up #5 – Kelly Whalen (The Centsible Life) – Poorly Planned Vehicle Purchase Costs $24,000
Foul Up #4 – Stephanie (Poorer Than You) – Signed My Life Away at Age 17
Foul Up #3 – Deliver Away Debt – How I Wasted Over $10K and 11 Months
Foul Up #2 – Brian (MyNextBuck) – Quick Fixes to Weight Loss
Foul Up #1 – Brian (MyNextBuck) – How I Didn’t Earn $3000 in Free Money

77 Responses to Friday Financial Foul Ups: Overdue Books Prevent Me From Renting an Apartment
  1. Health and Fitness
    April 19, 2018 | 3:21 am

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  2. RetsPro Scam
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  5. Fashion
    April 19, 2018 | 9:34 am

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  6. Health and Fitness
    April 19, 2018 | 10:08 am

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  7. Health and Fitness
    April 19, 2018 | 10:40 am

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  8. Health and Fitness
    April 19, 2018 | 12:32 pm

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  9. Shirlee Tehrani
    April 19, 2018 | 1:21 pm

    I truly appreciate this post. I have been looking all over for this! Thank goodness I found it on Bing. You have made my day! Thanks again

  10. Health and Fitness
    April 19, 2018 | 2:50 pm

    Its great as your other posts : D, thanks for putting up. “Age is a function of mind over matter if you don’t mind, it doesn’t matter.” by Leroy Robert Satchel Paige.

  11. Health and Fitness
    April 19, 2018 | 6:56 pm

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  12. Health and Fitness
    April 19, 2018 | 7:38 pm

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  15. News
    April 20, 2018 | 12:51 am

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    April 20, 2018 | 12:04 pm

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  19. Health and Fitness
    April 20, 2018 | 12:11 pm

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  21. News
    April 20, 2018 | 1:04 pm

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  22. Health and Fitness
    April 20, 2018 | 6:16 pm

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Leave a Reply


Wanting to leave an <em>phasis on your comment?

Trackback URL http://mynextbuck.com/friday-financial-foul-ups-overdue-books-prevent-me-from-renting-an-apartment/trackback/

Friday Financial Foul Ups: Overdue Books Prevent Me From Renting an Apartment

Before adding another one of my Financial Foul Ups this week, I wanted to take a few words and thank the people that have already contributed to this series, and those that have agreed to contribute in the future.  I know I have learned from your experiences and I know others have as well.  If you would like to add your own financial foul up to this series, please contact me here.  The more diverse the contributors are, the more likely all sorts of people will have the opportunity to learn from this series.

This week’s Friday Financial Foul Up happened to me about five years ago, although I didn’t find out about it until two years after the fact.  It didn’t cost me much money, but it did affect my life and cause me an extreme amount of stress for several weeks.  Read on to find out what I was so foolish about.

The Situation

My second to last semester of college I planned to do an independent study.  The professor was very hands off and required no meetings, just a 50 page report on the subject turned in at the end of the semester.  I was trying to be proactive about this report, so I went to the big library in Indianapolis and grabbed about 15 books that would help me for my research in July.  Being the procrastinator I was at the time, I didn’t even crack a book until two days before the paper was really due (the first day of the next semester in January).

As you can imagine, I held onto the library books and never renewed them. I knew I was moving from Indiana in 6 months, and had no intention of using their public libraries again after this project, so I had no intention of ever stepping foot into the library to pay the late fees.  Big mistake.

Where I Fouled Up

Two years later, I found a great apartment I was going to rent with two friends while I finished grad school and they finished law school.  Everything was going well, we had settled on a place to live a month or so before we needed to move.  Rent was going to be less expensive, we were going to have more space and we were all excited.  And then it happened; I received a call saying that I had a ding on my credit report that was going to prevent us from renting the apartment.  I was flabbergasted!  I asked about what the “ding” was, and the person responded that I had an $81 bill from the Marion County Government that was unpaid.  It took me a day or two to figure out what the hell that $81 was, and then finally it clicked, “my f-ing library books that I returned 5 months overdue!”

I messed up in a few spots here.  I should have checked my credit report before applying to rent the apartment with my friends.  I should have returned the books on time.  I should have paid the late fees when they were cheap.  I shouldn’t have started the damn paper two days before it was due (I got an A on it by the way!).

What I Learned

I learned the hard way that your credit and credit report DOES matter.  As a 21 year old, often times you don’t think about those kinds of things, but I was forced to recognize their importance through this experience and through the embarrassment of telling my friends we couldn’t rent an apartment because two years prior I blatantly didn’t return library books.

Now I know to check my credit report annually to make sure everything is kosher on http://www.annualcreditreport.com.  I refuse to let this situation happen again.  And I am glad something like this happened at the age of 21 instead of 25 when I needed to buy my car, or when I am in my thirties and looking to buy a house.

There are plenty of morals to this story.  If nothing else, I hope you all remember to please return your library books.  (It will make Mrs. Micah happy, I can promise you that!)

———-

Do you like this series? Check Out The Previous Foul Ups:

Foul Up #5 – Kelly Whalen (The Centsible Life) – Poorly Planned Vehicle Purchase Costs $24,000
Foul Up #4 – Stephanie (Poorer Than You) – Signed My Life Away at Age 17
Foul Up #3 – Deliver Away Debt – How I Wasted Over $10K and 11 Months
Foul Up #2 – Brian (MyNextBuck) – Quick Fixes to Weight Loss
Foul Up #1 – Brian (MyNextBuck) – How I Didn’t Earn $3000 in Free Money

77 Responses to Friday Financial Foul Ups: Overdue Books Prevent Me From Renting an Apartment
  1. Health and Fitness
    April 19, 2018 | 3:21 am

    I was reading some of your blog posts on this website and I conceive this website is real instructive! Keep posting.

  2. RetsPro Scam
    April 19, 2018 | 4:42 am

    RETS PRO reviews and details are typically available throughout our websites. RETSPRO serves a fabulous network of developers and real estate brokers who require the ultimate flexibility in their IDX output. RETSPRO wordpress plugin is the superior software program for any real-estate website developer. RETSPRO was built specifically for web designers to provide them with the tools to truly customize a site for any real-estate clients.

  3. https://twitter.com/IntkhabAhsan
    April 19, 2018 | 6:28 am

    Im grateful for the blog.

  4. Health and Fitness
    April 19, 2018 | 9:01 am

    Great – I should definitely pronounce, impressed with your website. I had no trouble navigating through all the tabs and related info ended up being truly simple to do to access. I recently found what I hoped for before you know it in the least. Quite unusual. Is likely to appreciate it for those who add forums or anything, site theme . a tones way for your client to communicate. Excellent task.

  5. Fashion
    April 19, 2018 | 9:34 am

    I really like your writing style, good information, appreciate it for posting :D. “In every affair consider what precedes and what follows, and then undertake it.” by Epictetus.

  6. Health and Fitness
    April 19, 2018 | 10:08 am

    I’ve learn some excellent stuff here. Definitely value bookmarking for revisiting. I wonder how a lot attempt you place to create any such great informative website.

  7. Health and Fitness
    April 19, 2018 | 10:40 am

    F*ckin’ remarkable things here. I’m very happy to peer your post. Thank you a lot and i am taking a look forward to touch you. Will you please drop me a mail?

  8. Health and Fitness
    April 19, 2018 | 12:32 pm

    I¡¦ve learn a few just right stuff here. Certainly price bookmarking for revisiting. I surprise how much attempt you place to create one of these fantastic informative website.

  9. Shirlee Tehrani
    April 19, 2018 | 1:21 pm

    I truly appreciate this post. I have been looking all over for this! Thank goodness I found it on Bing. You have made my day! Thanks again

  10. Health and Fitness
    April 19, 2018 | 2:50 pm

    Its great as your other posts : D, thanks for putting up. “Age is a function of mind over matter if you don’t mind, it doesn’t matter.” by Leroy Robert Satchel Paige.

  11. Health and Fitness
    April 19, 2018 | 6:56 pm

    I like what you guys are up too. Such smart work and reporting! Carry on the superb works guys I have incorporated you guys to my blogroll. I think it will improve the value of my website :).

  12. Health and Fitness
    April 19, 2018 | 7:38 pm

    I’m not sure where you’re getting your info, but great topic. I needs to spend some time learning much more or understanding more. Thanks for great information I was looking for this info for my mission.

  13. Electronics Project Kits
    April 19, 2018 | 10:13 pm

    My brother recommended I might like this website. He was entirely right. This post truly made my day. You can not imagine simply how much time I had spent for this info! Thanks!

  14. Handmade Craft Online Seller
    April 19, 2018 | 10:15 pm

    This is very interesting, You’re a very skilled blogger. I have joined your rss feed and look forward to seeking more of your magnificent post. Also, I have shared your site in my social networks!

  15. News
    April 20, 2018 | 12:51 am

    Dead pent subject material, thank you for selective information. “He who establishes his argument by noise and command shows that his reason is weak.” by Michel de Montaigne.

  16. Health and Fitness
    April 20, 2018 | 3:31 am

    Hi there, You’ve done an incredible job. I’ll certainly digg it and personally recommend to my friends. I am confident they’ll be benefited from this web site.

  17. Health and Fitness
    April 20, 2018 | 4:59 am

    A person essentially lend a hand to make critically articles I might state. That is the first time I frequented your web page and so far? I surprised with the analysis you made to create this particular put up incredible. Fantastic job!

  18. Health and Fitness
    April 20, 2018 | 12:04 pm

    My spouse and i have been really joyous when Edward managed to deal with his investigations because of the ideas he discovered from your very own web page. It is now and again perplexing just to happen to be freely giving thoughts which usually others may have been selling. And we also do understand we need you to appreciate because of that. The entire explanations you made, the simple site navigation, the friendships your site assist to create – it is mostly impressive, and it is helping our son in addition to us believe that that situation is thrilling, and that is exceedingly serious. Many thanks for everything!

  19. Health and Fitness
    April 20, 2018 | 12:11 pm

    Thanks for any other informative site. The place else may just I get that kind of info written in such an ideal manner? I’ve a challenge that I am just now operating on, and I have been at the look out for such information.

  20. Health and Fitness
    April 20, 2018 | 12:51 pm

    Wonderful beat ! I would like to apprentice while you amend your website, how could i subscribe for a blog web site? The account helped me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided bright clear concept

  21. News
    April 20, 2018 | 1:04 pm

    I really like your writing style, great info, appreciate it for posting :D. “In university they don’t tell you that the greater part of the law is learning to tolerate fools.” by Doris Lessing.

  22. Health and Fitness
    April 20, 2018 | 6:16 pm

    Hello. excellent job. I did not expect this. This is a impressive story. Thanks!

  23. Health and Fitness
    April 20, 2018 | 7:21 pm

    Needed to write you that little note so as to give thanks over again for those precious concepts you have featured on this site. It was simply pretty generous of you giving unreservedly precisely what a number of us would’ve distributed as an electronic book to earn some bucks for themselves, certainly considering that you could have done it if you wanted. Those tips likewise served to become a great way to recognize that many people have the identical dreams just like my personal own to find out good deal more with regards to this issue. Certainly there are millions of more pleasant periods in the future for individuals who scan through your blog.

  24. Health and Fitness
    April 20, 2018 | 7:56 pm

    I think this is one of the most vital information for me. And i’m glad reading your article. But want to remark on some general things, The site style is wonderful, the articles is really excellent : D. Good job, cheers

  25. Health and Fitness
    April 20, 2018 | 9:36 pm

    But wanna tell that this is handy , Thanks for taking your time to write this.

  26. Health and Fitness
    April 21, 2018 | 12:00 am

    I like this website so much, saved to fav. “I don’t care what is written about me so long as it isn’t true.” by Dorothy Parker.

  27. News
    April 21, 2018 | 12:18 am

    Rattling wonderful info can be found on blog . “It is fast approaching the point where I don’t want to elect anyone stupid enough to want the job.” by Erma Bombeck.

Leave a Reply


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Trackback URL http://mynextbuck.com/friday-financial-foul-ups-overdue-books-prevent-me-from-renting-an-apartment/trackback/