Lynn's Comments: Living on my own and working freelance meant that I was always very short of cash. One of the things I hated most was asking my clients for the money they owed me. I did all the right stuff; I had a proper billing system and a business license. All I needed was to be paid on time. It amazed me when people who could well afford to pay, made me wait for weeks--sometimes months...or didn't pay at all. I had to become more assertive, but it was hard!