As someone making the transition to self-employment, billing clients is something I have very little experience with, and is starting to worry me! Maybe I'm making a mountain out of a mole-hill, but I'd like to hear how other web developers/designers bill their clients. I'll be charging a one-off fee for initial design and development, and a recurring monthly fee for hosting/maintenance. Bearing in mind that I'm located in the UK, clients will mostly be small businesses, but may be located abroad. How do you collect payments from your clients for similar work, and what issues should I be aware of? I feel somewhat embarrassed asking such a fundamental question on HN, but if I take away even a single small piece of useful advice, I figured it's worth asking. Thanks for your help!