[amomof4]

A tenant of mine only write 3 checks a month and yet still manages to bounce 2 checks a month. The reason: failing to record her atm charges. This is a single mom that her church has to subsidise every month because she can't afford her living expenses.

At one time, she complained that her water bill was always over $75 a month even though it was never over $49 when I paid it. The reason: she always paid late, she bounced a check every month, and she frequently had to pay a reconnect fee. The solution: I raise her rent $50 and put the water in my name. She pays $50 more rent but saves $25 plus every month.