I'm right there with you!
For the most part, my current families are pretty good about payment. But there are the occasions where someone pays me late, which just so happened this week.

I sent the dcm home to get the check though!
Then I texted my husband about what a bada$$ I was!

It's tough and very uncomfortable. But after years of dealing with people, and giving them more than you should... you realize nobody would do the same for you.
It's unfortunate, but a side effect of the job.
It gets easier though!