This is how I am spending my morning: calling people who owe me money. I am really good at it. I had some practice in my early 20's with this sort of thing. The trick to calling people who owe you money is being as comfortable as possible when making the call. This can be achieved in many different ways. One I like is drinking beer in my underwear when I call. This gives your voice an even tone when calling someone. So as not to spook the person who owes you money. Check back in tomorrow for advice on extorting money while you shower.