Retainer invoice query for newby

Retainer invoice query for newby

hi all,
‘I realise this must be a dumb question but I have searched and cannot work this out. I’d appreciate some one syllable instructions please.
i am an artist and I do commission pet portraits. I require a 20% deposit up front prior to commencing the work and the balance on completion.
So, do I create a retainer invoice for the total amount and send that with instructions for the 20% in the terms and conditions? Then apply that payment to the restrained invoice. Then send a final invoice? 
Or.... do I send a retainer invoice just for the 20% amount and then a final invoice for the balance? 
‘Thanks you for your help. I cannot work this very stupid question out. 
Ziggy 


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