Hey guys. I've got a client I've been working for almost a year. She has a few houses that I do repairs to. I always write up estimates and contracts for each job, unless it's small stuff so that's T+M. We have a verbal agreement (I know, I know) that she pays me 1-2K a month on the outstanding monies. It's been working fine so far, checks are ALWAYS on the 1st of the month at the latest. She owes me 5K at the moment, and wants another 5K of work done with the same payment plan. My problem is the material cost is 3K+, so I told her I need 3K plus her usual payment this week. She didn't like that. I can afford to float the cash, but I'm just afraid of her getting too far behind. I don't want to eat 5-10K if something goes south. The reason there is no set payment amount is some months I get $500 and some I get $3000. I've been averaging $1700 a month over 11 months. My questions are - Should I set an amount that she can't go over for money owed? Set a strict payment plan, like a percentage owed per month(I DON'T want to do that)? She's a great client to work for and I do add in some money to the job for me 'financing' her. Any suggestions/ideas?