With regards to late payment for fees ... I have only ever had to charge it once with a client who had 'forget' on more than one occasion and I 'waived' the fee and said it was ok to wait til Monday out of empathy that yes on occasion we do honestly 'forget' cause of other stresses in our live - however like often happens when a business does 'special' for a client they start to EXPECT that as part of the service and well it became a HABIT for her to forget and well I like having the policy to be able to say 'unfortunately you have used up your 'grace' and effective this payment you are going to be charged $20 if you are late in the future' ... when there came a 'penalty' for her behaviour suddenly she felt better giving post dated cheques so she would not have to 'remember' - something I had suggested the second time she 'forgot' .... had I kept just letting her 'forget' my guess the behaviour would never have changed there had to be a consequence for 'forgetting' that motivated her to change the behavior .... and that is why I have a late payment policy - cause it DOES motivate people to never forget