Am I the only person in the world who has had their credit score nearly ruined by the public library?    I don’t know why, but I just can’t seem to return library books by their DUE DATE.  I really should just buy the darn books outright.  (I end up paying for them anyway by the time all is said and done.)

I am ashamed to admit this but I have literally been reported to various credit agencies for collections all throughout my life.  I inevitably return/pay just in time to squeak by and salvage what is left of my dignity.  Albeit BARELY. 

My husband is completely flummoxed by the situation.  (Sorry. Had to use the word.  I’ve never been able to before! )  He says there must be some weird cosmic force out there with the sole purpose of preventing  me from reaching my library destination for months or years at a time. 

And he is right. 

I can’t tell you how many times I have had a library book in my car and have driven right by the darn building and forgotten to drop it off.  I’m fairly certain the last book was in my car for at least a four week stretch.  At that point I just ended up bringing the darn book back into the house until the cycle began again. 

But it is not all bad.  Libraries actually LOVE ME.  I fund most of their new release sections with my penalty fees.

Just ask my husband.