I have a few probs every year with people who send late payments for the last statement of the year, since I'm not doing work, etc. December is the Christmas month, and presents and gifts often come before the lawn man. Although I have to buy as well. I just don't want to spend my winters chasing down $$. And, waiting 4 months for payment for services seems a lot like financing to me, for free. It's not hard to save or budget for the winter, and $100 is $100 no matter if it's broken up 4 ways or 1. I'd rather have it all at once.