I had a Mom like that. I didn't want to get into confrontations with her. She knew she was always late and hated it. So I started sending her an email reminder. At first it was the night before. But then she didn't have time to get to the bank before drop off the next day. So then I told her I will send the email around 12:00 the following day. Then she couldn't say she didn't have time cause she would do it on her lunch or leave work early. This worked well. I wouldn't do this again unless it was someone who had absolutely no other problems. I hope this helps. I did not want to charge her late fees. She had a very stressful important job and I know she didn't do it on purpose. It just happened about every second payment. Good luck. BTW I love electronic transfers. They work wonderfully for me. I do keep some clients just cash basis though cause I like some cash.

































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