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I had a similar problem with the chapter I advise. Along with the Finance Advisor, we came up with two major deadlines:
If so much as one person had not paid/made payment arrangements by the fall cut-off date, then the one big social event of the fall would be cut off, and the person responsible would be named in front of the whole chapter. Similarly, if one person missed payments by the spring cut-off date, then formal would be cancelled. After implementing this, everyone in the chapter made arrangements/paid in full by the first cut off date - this is the first time in recent memory that we've had this kind of buy in.
It makes you seem like an ogre, but in the long run I think it's a good lesson on financial responsibility for the actives to learn.
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