So a few months back I watched the beginning of a movie but didn't get to finish it. All I can remember was this kid (a nerd) in high school was reminiscing on the past school year and he remembers how he was going to try and skip school with the cool kids for the beach but chickened out. Then he accidentally watches his next door neibor undress (one of the girls he knows from school) and she catches him. I reeeeeallly want to finish this movie but don't know what it's called. If anyone can help I'd really appreciate it!

I'm not exactly sure, but it sounds like you are talking about "Love Don't Cost A Thing"--- I'm not exact but that's what I think it is