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A few months ago, my roommate failed to make the rent payment via direct deposit, causing me to overdraft on my account.  Apparently, what happened was she didn’t have enough money in her account allowing the amount of rent to go through.

I don’t know how she budgets her money that’s none of my business.  But if it’s a budgeting issue versus an “I flat out can’t afford it” issue, I want to be accommodating in making the rent payment on the 1st of the month.

To better serve her budget needs, I suggested paying half on the rent on the 1st of the month and the other half on the 15th of the month.  After implementing this payment plan for the past several months, there hasn’t been a missed payment yet.

I know some would not tolerate a missed rent payment and perhaps ask them to leave or wouldn’t even setup a payment plan to accommodate her budget.

This brings me to another point, how far and how long do you trust your roommate after they failed to make a rent payment, after all, it’s the whole basis why they are there.  A missed rental payment is technically a breach of the rental agreement.  It all comes down to the question:

Do you really want to be a bad guy and ask your roommate to leave right then and there?

In this particular case, I gave her another chance because she flat out admitted she was at fault and paid the overdraft fee in addition to the rent the following week without any argument.  So, I assumed it was an honest budgeting mistake on her part.   Because of this, I gave her another chance and suggested the two part rental payment plan and it’s been working since.

If it was a consistent pattern of missed rental payments with a story some where along the lines of “I’ll get you the money next week,” then I’ll look differently on the situation and ask them to leave after the second missed payment.  Read this post if you’re interested in how to get rid of a non-paying roommate.

You don’t necessarily have to be a bad guy once your roommate fails to make a rent payment.  I wasn’t and it’s worked out in this situation.  The key is to know your roommates and their situation.  If their completely avoiding you and not forth coming with a mistake on their part, it maybe time to start looking for another roommate.

Be well until the next post.  I have no clue what to write about next, but I’ll try not to disappoint.

Creative Commons License photo credit: someToast

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