Music Teacher Survey (SMG2)

1. What's your #1 single biggest challenge to the business side of teaching music?
Please be as detailed and specific as possible. (Please go beyond saying "low pay", "make-up lessons", or "student-retention". The more specific and detailed you are, the more helpful your feedback will be to other teachers.)
e.g. I'm sick of last minute cancellations and tracking down late payments, and want to spend more time focusing on my teaching.