Way 1: without AI (the manual way)
Honest cost: an hour a week, plus the awkwardness.
- Check what is open, how overdue, and what was said last.
- Draft reminders that are firm but do not burn the relationship.
- Track who was reminded when, so nobody gets two in a week.
Chasing overdue invoices is the job everyone postpones: checking what is due, how overdue, drafting a reminder that is firm but not rude, then forgetting to send it.
Pros of doing it manually
- Free except your time - no tools, no accounts.
- You learn the job deeply and control every detail.
- No data leaves your hands.
Cons of doing it manually
- an hour a week, plus the awkwardness - every single time the job runs.
- Quality depends on your energy that day.
- More volume just means more hours; it does not scale.
Way 2: with AI, but without AI Agent Skills (DIY prompting)
A chat assistant genuinely helps here. The catch is that you become the workflow designer. What you have to figure out yourself:
- You must paste the invoice list and reminder history each run.
- You must set tone rules explicitly, or drafts swing between rude and toothless.
- You must control sending - an automated chaser without judgment burns clients.
Here is a starter prompt that works - copy it and bring the inputs listed:
Here are my open invoices: [paste customer, invoice, amount, due date]. For each one past due, draft a payment reminder - firm but polite, mentioning invoice number, amount and days overdue. Approval status column at the end. Do not send anything.More on this prompt: the free invoice follow-ups prompt page.
Pros of DIY prompting
- Free, or nearly - any chat assistant works.
- A first draft in minutes instead of hours.
- Fully flexible: tweak the prompt for any edge case.
Cons of DIY prompting
- You become the workflow designer: prompts, test data and output rules are yours to write, test and maintain.
- Output drifts between sessions unless you re-paste the rules every run.
- Nothing is saved for you - sheets, structure and context are rebuilt each time.
Way 3: with AI Agent Skills ($19, one-time)
The Receivables Follow-up Agent is this job already designed: fixed evidence rules, output contract, test fixtures and stop points. You ask once:
Hello, show me which customer invoices need a reminder
And a finished, review-ready artifact lands in your own Drive:
| Customer | Invoice | Amount due | Days overdue | Reminder draft | Approval status |
|---|---|---|---|---|---|
| Bright Foods Ltd | INV-1042 | $3,850 | 18 days | Reminder draft: polite second notice, statement attached | Ready to send |
| Copperline Studio | INV-1038 | $1,200 | 7 days | Reminder draft: friendly first nudge with payment link | Ready to send |
Sample data shown. Your workspace fills with your real work.
Setup takes about 10 minutes: buy, hand the three files to the assistant you already use (Instinct, ChatGPT, Claude, Gemini or any other assistant that reads files), approve the fictional-data test. Then it runs on a standing cycle or a one-line ask, and stops at every human gate. Full method.
Pros of the ready-made agent
- About 10 minutes to a tested setup, not an afternoon of prompt tuning.
- The same output shape every run - evidence rules and stop points are already designed.
- Runs on a standing cycle or a one-line ask; files land in your own Drive.
Cons of the ready-made agent
- Costs $19 once, where DIY prompting is free.
- The output format is opinionated - you adapt the template rather than rebuild it.
- It still stops and waits for your approval at decision points; it is not zero-touch.
Get the Receivables Follow-up Agent · $19
The honest comparison
| Way 1: manual | Way 2: DIY AI | Way 3: $19 agent | |
|---|---|---|---|
| Time to first result | an hour a week, plus the awkwardness | An afternoon of prompt tuning | About 10 minutes, tested setup |
| Every run after | Same hours, every time | Re-paste the rules, sheet and context each run | One short ask, or a standing cycle |
| Consistency | Depends on the day | Drifts between sessions | Same output shape every run |
| Cost | Your hours | Free, plus your time | $19 once, files kept forever |
The manual way teaches you the job. DIY prompting is fine for a one-off. The agent wins when the job repeats every week.
More: the Receivables Follow-up Agent product page · the invoice follow-ups guide · AI agents for bookkeepers
Questions people ask
What is the fastest way to chase overdue invoices?
The $19 ready-made agent: about 10 minutes of setup, then one short ask per run. Manual takes an hour a week, plus the awkwardness; DIY prompting takes an afternoon of tuning plus upkeep.
Can I chase overdue invoices without AI?
Yes - the manual steps are on this page. Expect an hour a week, plus the awkwardness each time the job runs.
Is the $19 agent worth it over DIY prompting?
If the job repeats weekly, yes: you stop rebuilding prompts and re-pasting context every run. For a one-off, DIY prompting is fine and free.
Last updated 13 September 2026 · Reviewed by the AI Agent Skills team.