Hello Parents and Students!
This post contains general information about how to pay for your child’s flute
lessons. Prior to COVID, lessons were
mostly paid for through check, but now electronic payments represent over 90%
of the payments I receive each month. This
is great in some respects, but has presented difficulties at times. As I used to with my previous post about
payments, I will update this post with the most recent information as
needed. Thankfully, we haven’t had any
major changes for the last couple of years, so I hope that this will not need
any revision for a long while.
As before, I am not including any payment usernames or email
addresses here as this blog is visible to the whole world. Please see your invoice for that information.
I am adding a section about gifts, so let’s start with that!
GIFTS
I’m just like everyone else: I LOVE
getting gifts. But with the ubiquity of
electronic payments, getting gifts through those electronic payments makes
things a little tricky for me and my husband, and our accounting of it. While I don’t make a ton of money teaching
lessons – its probably far less than you might think – it is enough money that
the IRS does pay attention. If you’re
like me, and have been self-employed for almost 30 years, you probably know
what I mean. As these electronic payments
are easily traceable, we make sure to include every penny of it in our business
income. And the same goes for bill-pay
and paper checks.
So, if you want to send a gift by an electronic method, bill-pay,
or a check, that is fine, but just know that I’m paying taxes on it. And, unless you specify on the transaction or
on the check that it is a gift, it will show up on your account balance, and
that can get confusing later on.
I would ask, then, that if you want to send me money as a
gift that you consider doing one of these:
- Send cash
- Send a gift card (any store card or a VISA gift card is fine!)
- Make sure you identify any check or electronic payments as a
gift on the transaction itself if that is the only option for you.
Personal Checks
This is still our preferred method of accepting payments,
but it will require you to send the check to me with your child to the lesson,
or in the mail. Just let me know if you would like to mail a check to me,
and I will send you my mailing address.
Bill Pay from your bank
Most banks offer a BillPay service that will withdraw the
amount form your checking account, print the check, and send it postage
free. Most of the time, all you need is to give them my name and mailing
address, which I will provide to you. Recently I was asked to give a
phone number and email address, and for those you can use the number and
address from which you receive notifications from me. If they ask for
bank names or routing numbers, I'm going to have to pass, though. I hope
you understand.
Don't Send Cash in the Mail
I'm sure that doesn't need explanation. Just don't do
it. If you are sending cash with your child for me, please put it in an
envelope with their name and the amount enclosed written on the outside.
Venmo
You may send payments to me through Venmo using the “Friends
and Family” option to my Venmo username which is on your monthly invoice. Please be sure to include your child's full
name on the payment info.
I do not accept payments to my phone number. If you attempt to send a payment to my phone
number, it will not work, and you will have to resend it.
Also, please read the PayPal payment info below about using
the “Friends and Family” option, and always paying with your account balance or
a bank account to fund the transaction.
I DO NOT PAY VENMO/PAYPAL PROCESSING FEES, and will add those fees to
your next invoice. Venmo is a PayPal
company, so it works the same way.
Zelle
You may send payments to my through Zelle by using the email
address which is on your monthly invoice. Please be sure to include your
child's full name on the payment info.
I do not accept payments to my phone number. If you attempt to send a payment to my phone
number, it will not work, and you will have to resend it.
PayPal
You may send payments to me through PayPal using the “Friends
and Family” option to my email address which is on your monthly invoice. Please be sure to include your child's full
name on the payment info. Please read the PayPal payment info below about using the “Friends and Family” option, and always paying with your account balance or a bank account to fund the transaction. I DO NOT PAY VENMO/PAYPAL PROCESSING FEES, and will add those fees to your next invoice.
Below is information that I have sent in the past to those
that were using PayPal at the time. [EDIT 2025: When PayPal was the only
electronic payment we accepted.] It's long, but it explains clearly my reasons
for accepting PayPal the way I do. The important points for using PayPal
are:
- You
can avoid fees by using the "Friends and Family/Pay a Person"
option
- Use
your PayPal balance or a bank account to fund the transaction if you can
- Using
a credit card always carries a fee
- Any
fees that we incur on our end of the transaction will be charged to you
on your next invoice
- Include
your child's full name on the transaction
----------------------------------------------------------------------------------------------------------------
Good Evening!
If you have not and do not plan on ever sending payments
through PayPal, you may disregard this message.
I want to say up front how much I appreciate all of you, and
love teaching your children. It's hard for me to send an email like this,
so know that I'm not at all upset or even worried, but I do have some
important requests to make. I'll give the short version first, and
then explain more after for those who need it.
1. When you send money for lessons through PayPal, please
use the Friends and Family (Personal) option.
2. Please be sure to put your child's full name in the
"Notes" section.
I know that some of you who are making PayPal
payments have done this right every time so far. But, I have had
some that did it right for a while, and then did it incorrectly all of the
sudden and vice versa. So that is why I'm sending this to everyone.
If you don't need further explanation, feel free to stop reading now. =)
Number 2 is the easy one, so let me start with that: If you
don't put your child's name in the notes, it can be very difficult for my
husband (who is helping me with my billing this year) to credit the payment
properly on our spreadsheet, especially if the email address that you are
paying from is different than the email address or phone number to which we
send your invoice, or if the parent's name is different from the child's.
I have a lot of students this year. I'm sure you can imagine his
confusion since he doesn't know your child like I do, and doesn't always
communicate directly with you like I do.
Now to Number 1: When you send the payment using the
"Pay a Bill" (Business) option, I get charged a fee, and don't
receive the full amount. The fee is small, and I don't worry about
it at all, but since I didn't receive the full amount from you, I am putting
that amount on your balance forward for the next month. So, if you are
wondering, "Why did you only credit $X amount when I paid $Y?" this
is probably why. If you pay that to me the next time, I really appreciate
it. If not, I'm not going to make a big deal about it, but it will remain
on your invoices.
I can see where this may be confusing, because, yes, I am
sending you a bill, and technically I am in business. However, unlike
other businesses, I do not set the rate at which I am paid for teaching
lessons. The school district or school where your child attends sets the
private lesson payment rate, and when I teach lessons, that is the amount I
should receive. I'm sure you agree that it's not right if I teach Sally a
lesson and receive $20, but only receive $18.80 from Billy, even though Billy
paid the same.
Also, I only offer PayPal a payment option for your
convenience in a world where electronic payments are the norm. Our bank
is not compatible with Venmo Zelle or many of the other common payments
services, so PayPal is our only real option do accommodate this. It's
not a choice that we are completely comfortable with as we have had some
unfavorable experiences with PayPal in the past, and we did not do any business
through PayPal for several years as a result. We're not at a point of
making any similar decisions right now, but I hope you can understand my
reasoning.
If you have any questions or concerns about this at all,
please email me back. Either my husband or I will gladly answer. We
want you to feel comfortable with using PayPal for lesson payments just as much
as we want to as well.
I apologize for the very long email. I hope that it
was helpful.
-Lynne and Paul