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

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  15. yerli araba
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    This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

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  20. magazin haberleri
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    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

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  22. alexa düşürme hilesi
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    The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

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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

2,631 Responses to Friday Financial Foul Ups: Overdue Books Prevent Me From Renting an Apartment
  1. Agen Poker Online
    October 19, 2018 | 5:56 am

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  2. La Manga Club Property
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  3. Costa del Sol Property
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  4. Tashina Maung
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  15. yerli araba
    October 20, 2018 | 4:31 am

    This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

  16. oyun hilesi indir
    October 20, 2018 | 6:58 am

    The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  17. 2018 model otomobil haberleri
    October 20, 2018 | 7:01 am

    Between me and my husband we’ve owned more MP3 players over the years than I can count, including Sansas, iRivers, iPods (classic & touch), the Ibiza Rhapsody, etc. But, the last few years I’ve settled down to one line of players. Why? Because I was happy to discover how well-designed and fun to use the underappreciated (and widely mocked) Zunes are.

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  19. teknoloji haberleri
    October 20, 2018 | 9:20 am

    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  20. magazin haberleri
    October 20, 2018 | 9:23 am

    Sorry for the huge review, but I’m really loving the new Zune, and hope this, as well as the excellent reviews some other people have written, will help you decide if it’s the right choice for you.

  21. Katlyn Gillem
    October 20, 2018 | 10:56 am

    Only a few blogger would discuss this topic the way you do.”.~;~

  22. alexa düşürme hilesi
    October 20, 2018 | 11:42 am

    The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

  23. son dakika dünya haberleri
    October 20, 2018 | 11:48 am

    Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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    The Zune concentrates on being a Portable Media Player. Not a web browser. Not a game machine. Maybe in the future it’ll do even better in those areas, but for now it’s a fantastic way to organize and listen to your music and videos, and is without peer in that regard. The iPod’s strengths are its web browsing and apps. If those sound more compelling, perhaps it is your best choice.

  26. siyaset haberleri son dakika
    October 20, 2018 | 2:09 pm

    Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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