I too have run across different scenarios...as far as paying late...I tell them "I don't have a problem if you need to pay late (extenuating circumstances of course) but I do have a late payment of $10.00 a day...." watch how fast they come up with the money....I also had a parent say to me "must be nice to be able to afford to go on a vacation".....I turned to her and said...."how old are you"....she said 27....I looked her in the eye and said...." I have 20 years on you....where do you think my paycheck went for those 20 years"....to my mortgage, to my bills...to my children's education....etc. etc. I deserve a vacation now and yes....you are helping to pay for it...I earned it looking after the most important person in your life...YOUR CHILD..... AND AT 3.00 AN HOUR IT TAKES A LOT OF HOURS TO SAVE FOR A VACATION! NOT THAT IT'S ANY OF YOUR BUSINESS.....IT SURE SHUT HER UP REAL QUICK.

































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