The purpose of this pamphlet is to explain how local currencies work. Alone they cannot solve all the multiple financial, social and environmental crises we face, but they are an increasingly important part of the...

Maybe you care deeply about the environment or other global issues, or you feel strongly about your local region or community, but you just don’t see how local money can help. I hope that this...

Everyone is waiting for money. National currency is scarce because its creators keep it scarce. So people are experimenting with new ideas for issuing and organising money.

We can always create enough of our own local money to handle all the trades and exchanges we wish to make. While national currency basically drives, and is driven by profit, local money supports people...

Banks do not create money for the public good. They are businesses owned by private shareholders. Their purpose is to make a profit.

Other generations faced big challenges: the Industrial Revolution with its sweeping social and economic changes; abolishing slavery; defeating fascism; establishing civil rights for all. The generations now alive must solve the ‘money problem’. We must...