Guide · 3 ways compared

How to chase overdue invoices as a bookkeeper

There are three honest ways to chase overdue invoices: manually (about an hour a week, plus the awkwardness), with DIY AI prompting, or with a $19 ready-made agent. This guide compares all three with real pros and cons.

It tracks open invoices and prepares reminder drafts: customer, invoice, amount due, days overdue, reminder draft and approval status. Chasing takes minutes. Here are the three honest ways to get it done, with real trade-offs.

Way 1: without AI (the manual way)

Honest cost: an hour a week, plus the awkwardness.

  1. Check what is open, how overdue, and what was said last.
  2. Draft reminders that are firm but do not burn the relationship.
  3. 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

Cons of doing it manually

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:

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

Cons of DIY prompting

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:

CustomerInvoiceAmount dueDays overdueReminder draftApproval status
Bright Foods LtdINV-1042$3,85018 daysReminder draft: polite second notice, statement attachedReady to send
Copperline StudioINV-1038$1,2007 daysReminder draft: friendly first nudge with payment linkReady 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

Cons of the ready-made agent

Get the Receivables Follow-up Agent · $19

The honest comparison

Way 1: manualWay 2: DIY AIWay 3: $19 agent
Time to first resultan hour a week, plus the awkwardnessAn afternoon of prompt tuningAbout 10 minutes, tested setup
Every run afterSame hours, every timeRe-paste the rules, sheet and context each runOne short ask, or a standing cycle
ConsistencyDepends on the dayDrifts between sessionsSame output shape every run
CostYour hoursFree, 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.