Tania, have you thought about changing them to paying weekly....I find it a lot easier....simply if someone forgets to pay me on Friday....they have the weekend to deliver the money....or they don't get back in Monday morning without it....also if someone up and quits on you...you could be out a months pay....(unless they pay in advance of course)...just a thought...but ya...I would up the late payment...and maybe you should put them on a "paying in advance "...plan.....I ask to be paid Friday morning....if they don't hand it over in the a.m...I send them a text during the day to remind them I want to be paid Fri morning....and they will definitely have it at pick up time....honestly though....WHY DO WE HAVE TO REMIND THESE PEOPLE....drives me crazy....