Articles written by Sommer Winters

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About me - Sommer Winters

Writing is a realitively new-found love for me. I hold a Bachelor's degree in Accountancy, and I can honestly say that I hated writing when I was in school. Over the years though, I've grown to love the craft and decided to try my hand at it.

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Personal Finance > Managing Debt Stopping debt-collection harassment: 1 of 7

Most people don't know it, but there is a little-known section of the Fair Debt Collection Practices Act (FDCPA) that allows consumers to legally demand that creditors cease telephone and written communication related to debt collection. Thinking of myself as a rather astute person, I was shocked to learn that this section o...
Business > Small & Home Business Networking basics for new small business owners: 4 of 13

For those involved in any network marketing business, whether your focus is candles or cosmetics, the power of positive thought is the most important key to success of all. Learning to live a life of great expectations is really not that difficult at all: it simply requires a shift in the way that you think. For most of us, ...
Personal Finance > Budgets & Saving How to get started with saving: 9 of 15

If Americans would save half as much as we excessively spend, we would not be experiencing such a problem with debt. Beginning a winning savings plan is not as painful as you may think. For years, I didn't save because I thought that what I could afford to put away wouldn't make a difference. Well, if I had put away that amo...
Personal Finance > Personal Finance (Other) How to make more money at your current job: 9 of 14

As prices rise and the recession continues to linger, more and more people are looking for creative ways to increase their bottom line by way of their paycheck. The current instability of the economy makes it tough for the average worker to seek employment elsewhere for the prospect of higher pay, especially if job security ...
Personal Finance > Personal Finance (Other) Pros and cons of using direct debit to pay your bills: 11 of 13

Direct debit is an option extended to bank account owners that allows for bills to be automatically paid on a set payment date each month. There are many opportunities for consumers to take advantage of the convenience of direct debit, some of which are listed below: - Utility bills, e.g. electric, home heating, water and ca...