I'd be worried myself for 2 reasons.
1: It's well known that opening a umbrella indoor brings bad luck.
2: I see the bad karma luck already starting from here. You got a hole in your shoe meaning you got go hit the repair shop or the shoe store.
3: You got busy and forgot so now your library books are overdue and that's gonna cost you even more. Hey that makes 3 reasons and bad things come in 3 so your really hosed!
