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Even Little Steps Count…


Over the years as I have read about different people’s get out of debt journeys, there are always those little changes that make a big impact. For many it’s been giving up their daily Starbucks stop, for some it’s taking lunch to work every day and many more.

After I gave up soda a few years ago, I didn’t really have any of those little steady expenditures to give up. But I continue to monitor me spending on a daily basis and watch to make sure I’m not starting any new bad habits. And thankfully, thusfar, I haven’t noticed any “leaks.”

I Have a Problem

However, there is one area that I have a long history of being terrible about spending unnecessarily…and don’t laugh. It’s LIBRARY LATE FEES. Now don’t get me wrong, it’s not a regular issue, but it has definitely been a habitual failure over the last few years…okay, more than a few years.

We have always been regulars at the library…both for our homeschooling years and since for our pleasure reading. But my notoriety at returning books let has caused me to often comment that I should “own stock in the library” as often as I have had to pay fines.

Started a New Streak

BUT…in continuing to make better financial decisions, I have been extremely diligent about 1) returning my stacks of books on time and 2) renewing my check out period when I want to keep a book longer. In fact, I’ve now gone two whole months with NO LATE FEES!

Ok, now before you jump down my throat, my fees over the years are typically no more than $1-3 each time. But I do know how that adds up. And I’m happy to report that I have finally broken my late fee streak. Go me!

I know  it’s a small win, but it is a win. What little bad habits do you have that you need to break? No shame how silly they sound…I mean, seriously, mine is library later fees. That is pretty pathetic.


  • Reply Christine Caruso |

    Well done! I too used to be a funder of libraries. I would consider it a contribution to a non profit ? here in Denver they now auto renew unless someone has requested the book and took away late fees which saves me money.

    • Reply Hope |

      Oooh, I like that idea. I might suggest it to our tiny library. Although I would imagine they are kind of dependent on the late fees for some of their programs since we live in such a tiny, depressed area.

  • Reply Honey Smith |

    I check out kindle books and they automatically delete off my device at the end of the check out period.

  • Reply Angie |

    At least it’s just late fees! I’m not sure how but DH manages to lose or ruin a library book about once a year.

    Personally, I’d rather read my books on kindle than lug around a hardcopy. No late fees for me!

    • Reply Hope |

      I’m just not a big fan of digital books. But I will occasionally check them out, especially with traveling as I certainly don’t enjoy lugging books around.

      And digital books are definitely better as far as no late fees go.

  • Reply JP |

    I get fines too! Our library will let you renew physical books online, so I just go in occasionally and “re-check” them out. Of course the online books just disappear so no fees.

  • Reply SMS |

    Good job…Everything counts, even the little things. I have also paid many a late fee in my life, but have gotten much better. Might be that fixed income has something to do with it…lol. I try to think of it as somebody waiting for the book.

  • Reply Holly S |

    I also pay some occasional late fees if I am not done with the book but I figure it’s my donation to the Friends of the Library and also, even if I pay $10-15 a year in fees (which I never do) then it’s still way cheaper than buying even one hardback book a year and I probably check out 30 or 40 a year.

  • Reply Kiara |

    I use my library’s e-borrowing (via Overdrive app – many North American libraries are in there) and even though I somewhat miss the touch of physical books, I am SO HAPPY I don’t have to trek to the library anymore (in a busy plaza that’s under construction with little parking). And what’s better is, the book is digitally returned after 3 weeks unless I extend the loan, so no late fees.

So, what do you think ?