Every once in a while a game changer comes along to make life easier. In our age of technology you would think it would happen more often. The break through to make our business and lives more convenient is Square.
Square is a free app and card reader that allows you to accept credit card payments from clients. With one simple secure swipe you can charge the payment due and it will be deposited into your account. The small fee of 2.75% that Square charges for use is well worth the easy and speed. There is no charge if you don't use the service, only when you do, thus no month fees. Now everyone can accept plastic like the big boys. I have used it myself several times and found it to work flawlessly.
So forget the net 30, get your payments on the spot for your design work and if a friend happens to owe you $20, tell them you accept all major credit cards.
Be Square and sign up their site at squareup.com.