Mark,
As your business grows, which it will if you are good, you will find that time doesn't allow you the luxury of going out collecting and having a family like, we have 2 vans out every day, covering different areas and by the end of the day there are probably 30-40 unpaid accounts, by the end of the week this total can be close to 200.
To travel each week collecting all that is impossible, plus in the winter nights it is not enjoyable. All I do now is get home, check the mail and check the online account for payments, then mark them off as paid, max 20 minutes work....unless I get on this forum then the wife doesn't see me for a couple of hours "Problems balancing dear!!"