Honestly, if his changing things at the last minute is adding time and expense that he cannot see later on, I'd start having him sign and date Change Order notes that give a realistic time addition and cost the change will add. That way when it comes time to pay up, if he balks, you have a stack of docs to back up EVERYTHING you've done.
If it goes to court (no one wants to think about that, but it is reality) you don't want to be on the short end of the stick.
In a court of law, he who documents the most, wins...
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