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

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 pamphlet will show you connections between what you care about and 'the money problem'.

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 reclaim money from the speculators and restore it to its role as a medium for trade that serves us all.

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 with other values: people who believe in local diversity, mutual help, treating people as assets instead of problems, valuing all types of work, creating strong social networks and protecting the environment. It is these people, their values and commitment that make local money systems work.

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.