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Tools & Examples - Simple.com

An online bank that doesn't charge fees, and that also provides tools and data that are useful for Steps 2-5. Simple.com is based on technology, but their business model is based on the traditional interest margin.

In The News - Banks took $32 billion in overdraft fees.

The CFPB found that nearly one in five customers who do opt in overdraft their accounts more than 10 times per year, and pay seven times more in fees than those who do not opt in. - Bloomberg

On the wiki: Inspirations to share

Another inspirational image in the gallery thanks to Helen Passey.

Resource - Resources for Teachers

We have created an area for teachers/coaches/instructors/hosts to share resources that they have collected or developed to help "spread the word". If you're sharing the FI Program in any way, check this area for updates. And if you have anything to contribute, please contact us.

In The News - Balle 2014 Conference Highlights

Missed the conference held by the Business Alliance for Local Living Economies (BALLE)? Here are the highlights from the 12th Annual BALLE Conference.

In The News - New Road Map and Yes! Magazine

The Financial Integrity Instructors Guide got a mention in [YES! Magazine's article] on the Debt Resisters' Operations Manual.

In The News - Starbucks to Pay for Workers' College

An amazing precedent: Starbucks added college tuition to the benefit package for any of their workers who work more than 20 hours a week. “We’re able to be a part of a corporation which is valuing human capital at a whole new level,” - Howard Schultz, CEO Hoping other corporations follow.

In The News - $15 Minimum Wage in Seattle

Seattle raised its minimum wage to $15, or will over the next seven years. Step outside the US for some perspective from the BBC.

Event - Common Bound Conference

The New Economy Coalition is holding its Common Bound conference, June 6-8. "Join over 100 New Economy Coalition organizations as we advance and connect transformative strategies like cooperative ownership, land trusts, sustainable business, public finance, new forms of labor organizing, and much more!"

Event - Balle 2014 Conference

Quickly following Common Bound is another key conference.

June 11-13, the 12th Annual BALLE Conference will bring hundreds of entrepreneurs and local business leaders to Oakland, CA, to dive deep into the most energized issues in the Localist movement today.

Resource - Retirement Calculator by Wolfram Alpha

A retirement calculator that isn't trying to sell you anything is a good thing. Wolfram Alpha has published one that is unbiased and that also includes "random walk outcomes" that try to account for the fact that life isn't linear or predictable.

In The News - Internet Explorer Security Threat

Warning to not use Internet Explorer until Microsoft comes up with a fix: From Zero Day Bug

Updated on Monday, Microsoft Security Advisory 2963983 offers new information about the new zero-day vulnerability that affects all versions of Internet Explorer. The flaw could allow remote code execution and has already been used in "limited, targeted attacks," Microsoft revealed, though those attacks have so far affected only IE versions 9, 10, and 11...

The vulnerability is so severe that even and UK security agencies have advised people to stop using IE for now.

In The News - Heartbleed, a hole in Internet security

Heartbleed is possibly the most serious breach of Internet security so far. It is not a virus, which means it is not going to infect your computer. It is a bug, which means it is a bit of bad or malicious programming that must be fixed by the host. For almost everyone, the best response is to change your passwords. For those that need a bit more information, here are some links to get started Heartbleed.com and Heartbleed Hit List. If you want a quirky image of how Heartbleed works, well, we found that too.

In The News - No work emails after 6pm in France

No email after 6pm? The French are famously in favor of work-life balance, even to the point of making it part of legally binding labor agreements. Celebrate - as we know you will.

In The News - The Money Paradox

"How does money motivate, trick, satisfy and disappoint us?" An NPR & TED podcast shares insights into our relationship with money.


Event - Train the Trainer

On May 10th-11th 2014, New Road Map Foundation presented a webinar for people interested in "spreading the word" about the Financial Integrity Program. NRM Board President and FI instructor Rose Hughes donated nine hours of instruction time to help others build their own expertise in teaching others about the nine steps. Participants hailed from four corners North America, and are seasoned FI'ers with enthusiasm for sharing via blogs, classes, coaching and social media. Look for news of their upcoming offerings on this wiki's Speakers page and the Simple Living Forum!


Resource - MyMoney.gov

The US government has formed a Financial Literacy and Education Commission. They've set up a website that is a national clearinghouse for financial literacy research, and provides tools and resources based on five principles: Earn, Save & Invest, Protect, Spend, Borrow. Plus there are special sections for Life Events: babies, schooling, marriage, business, retirement, and estate issues.

Find out more about ‎MyMoney.gov

Resource - Meshing.It

Mesh companies create, share and use social media, wireless networks, and data crunched from every available source to provide people with goods and services at the exact moment they need them, without the burden and expense of owning them outright. At least that's the idea behind meshing.it. A much needed resource.

In The News - Pritzker Prize Goes To Frugal Architect

The Pritzker Prize in Architecture goes to an architect for people in immediate need, not just people with luxurious wants. "I'm not inventing anything new, I'm just using existing material differently." Reuse rules!

Event - Whole Earth Summit

The Whole Earth Summit, March 11-13, 2014; "Join this first time gathering of extraordinary activists and on-the-ground leaders as they share what they’re up to, why it’s important, and what you can do about it in your own life."

Event: Money Smart Week

April 5-12, 2014 is Money Smart Week, a week-long event, "designed to help consumers better manage their personal finances." It was created by the Chicago Fed with events hosted by partnering organizations. Want to see a list of events?

Event - Train the Trainer

NRM Board President Rose Hughes will lead a training weekend entitled “Train-the-Trainer.” The workshop will bring together FI’ers who are interested in "spreading the word".

When: April 5th & April 6th, 2014 (time slots to be determined by timezone of participants) What: 10 hours of instruction & group interaction via teleconference/webinar Cost: $100


In The News - Free Copies Of Freedom Through Frugality

"Spend less, have more" is the subtitle to Jane Dwinell's book, Freedom Through Frugality. Jane is eager enough to spread the word about frugality that she is willing to send free copies to any person or library that sends her their name and address. (Though we are also sure she wouldn't mind if you bought a copy or helped with shipping.)


Resource - Bright Neighbor

Bright Neighbor pulls together lots of sharing sites, so you don't have to. Want to share, but don't know which site to use? That's the question Bright Neighbor helps but choosing for you. Sharing, it is as good as ever.

Resource - Gifteng

Gifteng.com is "A Unique Social Community - for - Free Stuff. Free Samples. Gifts." by invitation only (but you can simply ask for an invite.) Rumored launch date: February 12, 2014

On the wiki: Inspirations to share

We've added a gallery of images for you to use, post or share, focusing on Financial Integrity as a part of life. This will be updated as new images are created. Check it out!


In The News - myRA

"In his State of the Union address, President Obama announced plans to create a new 'myRA' retirement account aimed at helping millions of Americans to start building a nest egg." - CNNMoney

In The News - Iceland

"Iceland let its banks fail in 2008 because they proved too big to save. Now, the island is finding crisis-management decisions made half a decade ago have put it on a trajectory that's turned 2 percent unemployment into a realistic goal." - Bloomberg


Resource - reddit

reddit is an open-source, online community based on people posting articles. "redditors vote on which stories and discussions are important. the hottest stories rise to the top"

The Financial Independence subreddit was created by folks who followed Vicki Robin and Joe Dominguez' work.

We'll be participating under the name newroadmapfi.


Resource - Positive Investing in the UK

ethex

For those of you investing in the UK, there's a non-profit that aims to help you invest positively. ethex wants to, "make money do good." Sounds good.

"Positive investing means investing in businesses because of what they do, not what they don’t do. ... from as little as £1."

Survey - New Road Map wiki survey

New Road Map Foundation / Financial Integrity needs your help to make sure we are providing you with useful tools to help you Transform Your Relationship with Money. Here's the link.


Event - Money & Life screening

November 17, 2013, 1:30pm. New Road Map is hosting a special screening of Katie Teague's movie, Money & Life at The Clyde Theater in Langley, WA. "participate in the great transition to a sustainable, equitable and restorative economy" Free. Donations accepted.


Resource - Wolfram Alpha

Some inflation tools are more versatile than others. Wolfram Alpha is to numbers what wikipedia is to words. Copy and paste the numbers in this example.


Event - Emotional Currency Workshop

Kate Levinson promotes financial and emotional health through her workshops. The next one? Saturday, November 9th


Tools and Examples - Canadian Balance Sheet

A Balance Sheet tool for Canadian assets and liabilities

Working up your balance sheet? Listing your assets and liabilities sounds easy, but it is also easy to overlook country-specific investments and debts. Each country has its own taxes and retirement programs. Here's a balance sheet tool for people with assets and liabilities in Canada.


On the wiki: Inspirations to share

We've added a gallery of images for you to use, post or share, focusing on Financial Integrity as a part of life. This will be updated as new images are created. Check it out!

Event - Peers Potluck

"Looking to learn more about how to get involved with the sharing economy?"

Sharing ideas for a Sharing Economy - Potluck Dinner Sunday, October 20, 2013 from 4:30 PM to 7:30 PM (MDT) Boulder, CO


Event - New Economy

From October 12-18, the New Economy Coalition will be highlighting events and projects that promote the principles of democracy, justice, and sustainability.


In The News: Event - New Economy Week

Event - New Economy Week 2013:Seven Days Toward A More Just And Sustainable World

From October 12-18, the New Economy Coalition will be highlighting events and projects that promote the principles of democracy, justice, and sustainability.


NY Times profiles a new values-based investing option: Mosaic

Thanks to the J.O.B.S. Act of 2012, there will now be many more options to become an adept, sophisticated and knowledgeable investor; and, better yet, easier to invest according to your values. Mosaic which helps broker investment deals exclusively around renewable energy.


Resource: Rolling Jubilee

Retiring debt, 20 to 1. Occupy Wall Street uses Wall Street's tricks to retire personal debts (in a fairly innovative and egalitarian fashion.) Welcome to RollingJubilee.org


Tools and Examples: Stock Investment Simulator

Stock Investment Simulator

If you are considering investing in stocks and don't know how well you'd do, here's a way to practice. Practice, practice, practice (for months or even years). Good luck.


On the Wiki: Don't forget to live


In The News: Conscious Spending, Conscious Life

Conscious Spending, Conscious Life was #1 in non-fiction on the Calgary Bestsellers list!


Discussion Groups: Toronto & Whidbey Island

A weekly class on the Financial Integrity Program is starting Sept. 25 on Whidbey Island. This 10-week class will outline a sensible path to sustained financial prosperity.


Resource: Rent or Buy

Rent or Buy? This article walks you through a few pros and cons. Conventional wisdom may not apply to your housing situation.


Tools and Examples: A Simple Life Example

"Voluntary simplicity offers personal rewards in the here and now." Ah, the simple life, by Nickie Polson


In The News: Vicki Robin's New Book

Vicki Robin's new work: Relational Eating is based on her book, Blessing the Hands that Feed Us; What Eating Closer to Home Taught Me About Food, Community and Our Place on Earth (Viking/Penguin 2014)) Here's her TEDxSeattle Talk.


Event: Burning Man

Burning Man is known for creativity and is also a money-free zone. The experiment continues.


Resource: Peers Organization

You can become a Founding Peer of peers.org. "Together we are the sharing economy."


Tools and Examples: Let Simon Decide

Having trouble deciding? There's an app for that, or at least a web site. Thanks to the Simple Living community for finding Let Simon Decide.


Reading List: Zero Waste Lifestyle

Are you one of those folks approaching a zero-waste lifestyle? Zero Waste Lifestyle by Amy Korst


On the wiki: Inspirations to share


Event: BALLE Conference

In case you missed it, the BALLE conference; their, "Once per year ... can't-miss gathering that is a who's who of innovators collaborating to build a new economy." met in Buffalo, New York on June 12-14, 2013, and posted the video for the rest of us.


On the wiki: Inspirations to share

Resource: Ethical Markets

Ethical Markets provides news and perspective on the Green Transition, Reforming Global Finance, SRI and more by gathering information from around the world with analysis by their editor-in-chief, Hazel Henderson.


Member Profile: Dianne and Chuck - Financial Independence at Fifty

Diane Williams is New Road Map Foundation's Treasurer. She and her husband reached FI at 50, without ever making more than $100,000 per year. "Our priority was freedom from paid employment in our fifties which helped us focus on jobs that paid well and provided good benefits. We learned to invest in the stock market for the long term." "We love doing what we want to do when we want. Life is good!!!" The rest of the story is on our wiki.


Tools and Examples: Step 1) Practicing Gratitude

Step One in the Nine Step program is about reflection. How much money has flowed into your life? How much has flowed back out again? The difference makes all the difference. Celebrate what you've accomplished, and then begin asking, "What could I do differently?"


In the news:

Federal Student Loan Rates

Under the heading of "Dull but Important", Federal student loan rates doubled. We hate being the ones to tell you that, but hopefully you already knew.


Reading List: Utne Reader

This month's reading list comes compliments of Simple Living Forum.

Utne Reader's goal is to "Cure Ignorance, and is known for gathering news from alternative sources. Alternative also explains the lifestyles, economies, and philosophies described in its pages.


Resource: Resilience Circles (also known as Common Security Clubs)

Based on the concept that common people, working together using common sense and trusting their judgment, can bring about a better economy. Replacing "charity" with "reciprocity," the clubs provide a practice ground for learning to work together, giving and receiving equally, to find better solutions to debt, unemployment, reducing costs, and other financial challenges, learn to "push back against the powerful Wall Street interests," and lobby for change. Resilience Circles and the Common Security Club network offers guidebooks for starting and running a club and other curriculum materials.


Member Profile: Dianne & Patrick - Freedom Before Fifty

"Our journey started when my wife and I watched the PBS documentary "Affluenza" and we began to question our own levels of consumption. After watching the documentary we read the book "Your Money or Your Life." It tied sustainability and the economics of the fulfillment curve together in a way that spoke to our experiences and goals." The rest of the story is in our Stories section.


Resource: Downsizing your home with style : living well in a smaller space" by Lauri Ward

A book being read over on the Simple Living Forums: Downsizing your home with style : living well in a smaller space" by Lauri Ward. Very few folks are talking about bigger houses. For years, moving into smaller houses was a reason to assume something bad happened. We know better, and yet, downsizing with style is new enough that advice is in short supply (though maybe not for long). Less is more, but how and why?

Got a book you want to share? Tell us.


Take the personal finance quiz that 86% of Americans flunked.

Five out of five, that's tough; especially for folks unfamiliar with bonds.

Here's the source of the five question quiz, and also the source of an impressive database of spending habits. What's "normal"? This article pulled a lot of traffic from the NRM/FI community. Did we score higher?


Who Controls the World? - James B. Glattfelder's TED Talk

Conspiracy theories abound, but is there hidden center of power running the world? Patterns in data can reveal relationships, or can reveal the fundamental nature of the system. There is a wealth of data about how wealth is distributed, and someone had more than enough to sort out how many people control not just their wealth, but the wealth of others. The surprise is that the current system will produce such centers. Conspiracies aren't required.

Geeky and long (Hey, it's a TED Talk), this video (James B. Glattfelder: Who controls the world?) shows where the power resides, how few folks control it, and how far they can reach.


'The Minimalists' Share Their Journey to a Simpler Life.

Ryan Nicodemus discusses how and why he and Joshua Fields Millburn left successful careers, ditched most of their stuff, and set up shop in a Montana cabin.

"When asked what he misses from his old life, Ryan pauses his heretofore enthusiastic, stream-of-consciousness answers. After a long pause, he says, "I can't think of anything."

Thanks to Mother Nature Network for passing along the story of these minimalists.


Resource Canada: Canadian Centre for Community Renewal

The Canadian Centre for Community Renewal is leading initiatives for transforming local economies in the face of current economic challenges. Check out thought-provoking resources and articles about ways to rethink the economies of Canada and the world.


Member Profile: Laurana Rayne

Laurana Rayne has published a book on the subject of navigating the consumer culture, Conscious Spending, Conscious Life. Laurana teaches a university course on consumer issues, and incorporates many of the principles of Financial Integrity into her classes and her writing. Learn how to access her book and blog here.

File:Conscious_Spending_Cover_for_Kindle-2-.jpg


Tools & Examples: CFPB student debt visualizer

The Consumer Protection Financial Bureau has an interesting tool for gauging the impact of your student debt. Although not very specific, the "cost comparison" visualizer translates general college cost information into data regarding the long term impact of student debt. E.g. paying for an average 4-year private education with private loans will cost the equivalent of 63 tank-fulls of gas PER MONTH, for ten years after graduation. Pretty interesting thought experiment for anyone weighing financing options! Find the comparison visualizer here.


Resource: People Money - the Promise of Regional Currencies

' People Money - the Promise of Regional Currencies' tells the stories of 16 local currency systems, based on interviews with practitioners from around the world. "It is not just another downturn in the business cycle but a deep systemic crisis caused by the rift between a casino economics based on monetary speculation and the social and ecological realities of our time. The only way to bridge this chasm between money and planet, between money and people is to reinvent money." Many communities around the world are doing just that.


Resource: Conscious Spending, Conscious Life

Laurana Rayne has published a book on the subject of navigating the consumer culture, Conscious Spending, Conscious Life. Laurana teaches a university course on consumer issues, and incorporates many of the principles of Financial Integrity into her classes and her writing. Learn how to access her book and blog here.

On the wiki: Inspirations to share

We've added a gallery of images for you to use, post or share, focusing on Financial Integrity as a part of life. This will be updated as new images are created. Check it out!


Resource: Inhabitat

Whether you're interested in ways to make your personal economics more sustainable by reducing costs, or in what's happening in sustainability on a broader scale, Inhabitat is an informative resource on integrating values and action.


In the news: Pre-employment credit checks

The recent economic upheavals have left many Americans with damaged credit despite their best efforts. A growing concern in many areas is the increasing use of pre-employment credit screenings, which has led to efforts to restrict the practice. This telling graphic by Creditscore.net underscores the concerns, and efforts to effect change are being led by Stop the Credit Catch 22, along with an impressive list of national partners. The National Consumer Law Center issued a report that is being used by state legislatures in reform efforts. For information on the status of pre-employment credit checks in your state, here's a state-by-state list of laws.


Resource: Coredlia Calls It Quits

Looking for some inspiration on making more intentional financial choices? Check out Cordelia Calls it Quits.


In the news: Can't Get a Job? Get a Microjob!

Whether you're looking for work, or simply looking to maximize your income in line with Step 7 to reach your financial goals, one option for increasing income is to take advantage of freelance microjobs. Microjobs can offer flexible self-employment that makes use of your skills, abilities, and preferences to create income and perhaps make also a difference.


In the news: From an Unlikely Source, a Serious Challenge to Wall Street

Local governments in California and elsewhere are formulating plans to do an end run around Wall Street banks' blockades of modifying mortgages for many troubled borrowers. In an article on Common Dreams, Matt Taibbi reports on these plans, which creatively use eminent domain, and how they might work to bring relief to underwater borrowers in some of the nation's hardest-hit regions, and spark economic recovery as well. A companion piece by Rep. Brad Miller on American Banker gives additional context to the concept.


Resource: Real Sustainable Habits

If you're looking for ideas and support for changing your habits to a more sustainable style, check out the blog Real Sustainable Habits. Witty and relaxed, the blog also offers one of the best descriptions we've seen of what "sustainable" means in terms of life choices.


In the news: A Lesson In Independence: The Two Fates of Lavish Lifestyle Larry

Read how one person approached regaining his independence, avoided a Lamentable Fate, and found the true Good Life through money mindfulness. What Larry learned: "it is better to act so as to preserve one’s independence than it is merely to act on one’s independence."


Resource: Institute for New Economic Thinking (INET)

INET provides a resource with a number of shorter videos of thoughtful in-depth discussions of the intersection of economic crisis and opportunity that we currently face.


Resource: Bank and Services Infographics

If you're interested in how big banks compare with community banks in size, types of loans, and performance (including America's only state-owned bank, the Bank of North Dakota), and how some key services compare, here are a number of illuminating graphs.


In the news: U.S. debt load falling at fastest pace since 1950s

Read how Americans are making inroads against private debt, by deleveraging and increasing savings. The debate about public debt has largely served to distract attention from the role of private debt in driving economic turmoil, and from the good news that American families and businesses are reducing debt at epic levels.


Resource: 4 weeks to a more organized home

It's one thing to recognize that an overabundance of "stuff" makes it difficult to appreciate what we have, but sometimes it's another thing to tackle "de-stuffing" our lives. Here's an organized baby-steps program for decluttering.


Resource: Organic Housekeeping

Conquer clutter and clean your space the frugal and healthy way with Ellen Sandbeck's Organic Housekeeping.


Resource: Resilience Circles/Common Security Clubs

Read about ways communities can help each other in uncertain economic times.


In the news: Amid Wall Street Protests, Smaller Banks Gain Favor

Community banking is gaining favor as people seek alternatives to megabanks. Read about banks that operate as B-Corporations (benefit corporations), such as New Resource Bank in San Francisco, with a focus on improving communities and the economy as well as bottom lines.


In the news: Is Job Security Real Security? Gainful Unemployment May Be A Workable Alternative

The benefits of a diversified investment strategy are well known. This article explores the benefits of a broadly diversified personal income strategy, in terms of flexible and diversified “gainful unemployment,” using strategies much in alignment with FI principles of honoring life energy through wise use of resources.


In the news: The Rise of the New Economy Movement

In the wake of the economic devastation the world has experienced since 2008, the "New Economy" movement has gained momentum, looking for alternative solutions to these problems. But just what is the New Economy Movement? What are these activits, theorists, organizations and ordinary citizens seeking to do? For a quick overview, check out this article from Alternet.org. Also, check out Money & Life, co-sponsored by NRM.


In the news: It's not always about the money

There are many sound reasons for making financial decisions. Once survival issues are secured, according to this article on Moneycrush, there can be many "right" answers to how to spend and how to save, decisions made on the basis of multiple factors.


In the news: The credit CARD Act is working

According to an article on Demos, American households are benefiting significantly from increased consumer protections in the CARD Act. "Signed into law on May 22, 2009, the Credit CARD Act has benefited millions of households in ways that directly affect their monthly budgets. Demos’ 2012 National Survey on Credit Card Debt of Low- and Middle- Income Households finds that the Credit CARD Act empowers Americans to take control of their finances by increasing the transparency of credit card statements and dramatically reducing unfair and excessive fees and penalties."


In the news: Prepaid cards under scrutiny

According to UPI.com, Consumers Union has released a new report detailing the need for stronger consumer protections on prepaid cards, and showing that using prepaid cards does little to help rebuild damaged credit.


Event: YMOYL featured in book club

Unicorn Books and Gifts in Ramona, CA holds a book club meeting the last Saturday of every month. On May 26, the book club will be discussing Your Money Or Your Life. This is a great chance, for those in the area, to get together and discuss what the book has done in your life, or may yet do, or just discuss the general subject. Everyone welcome. To learn more, visit the website.


Resource Canada: FinancialHighway

A general financial education blog with a Canadian point of view, FinancialHighway offers plenty of material of interest to FIers everywhere, from spending and debt to money psychology.


Resource: The Mindful Word

Check out The Mindful Word, a blog highlighting the benefits of seeking and living "enough" in personal finances, lifestyle choices, business, and more.


In the news: Homeowners battle banks to stop foreclosures ... and win

In some encouraging news, years into the greatest foreclosure crisis in decades, homeowners are beginning to make headway against faulty foreclosures by turning the banks' flawed processes and illegal actions against them in court. In most cases, homeowners are simply seeking - and gaining - the modifications they were supposed to be guaranteed under HAMP and other programs, along with legal fees. To avoid the disclosure of illegal activity, many banks are beginning to take these threats seriously, making it easier for distressed homeowners to get modifications without resorting to the courts. But, have the illegal actions stopped happening?


In the news: 8 ways to de-corporatize your money

Concerned about supporting mega-banks with your money? Looking for alternatives to huge corporate financing options? Here are some simple ways to put your money to work more locally and more personally, from Yes! Magazine.


Resource: FI classes in Florida

Holly Thomas is holding an FI-oriented financial workshop in Tampa on Friday, April 27, titled "Financial Lifestyle Planning Workshop: Will I Be OK?"


Resource: Making Good

Is it possible to have a meaningful career and make money at the same time? According to the authors of Making Good: Finding Meaning, Money, and Community in a Changing World, the answer is "yes!"


Member Profile: Holly P. Thomas

Holly Thomas is our newest Speaker/Instructor. A long-time professional in banking and financial planning, Holly specializes in helping individuals and small businesses create integrated financial/life plans that meet their needs.


Resource: The Mesh: Why the Future of Business is Sharing

The Mesh provides a new way to look at the economy and consumption, and explores a new business model based on that vision.


Resource: RSF Social Finance

RSF Social Finance is a world leader in social investing and giving, and sustainable economies.


In the news: JOBS Act: Crowdfunding Could Give a Boost to Small Business

President Obama has signed into law the Jumpstart Our Business Startups (JOBS) Act, removing outdated regulation dating to the 1930s that has made it all but impossible for the smallest businesses to gain investors, or for small investors to put their money to work supporting local businesses. These modest securities reforms remove a major stumbling block for small start-ups, allowing them to take advantage of the "crowdfunding" model. Read what the Business Alliance for Local Living Economies has to say about the how the new rules may affect the economy and investors.


Member profile: Peter Rodgers

We welcome a new FI instructor listed on the site, our very first in Australia. Learn more about Peter here.


Resource: Microfinance and crowdfunding

Once you’ve established your emergency fund, if you’e looking for a way to share your life energy and make a difference, you might consider Kiva Microfinance. Interested in supporting social entrepreneurs as well? Check out StartSomeGood to learn how.


Resource: Campaign For A Commercial-Free Childhood

Childhood influence is a powerful shaper of individual lifelong relationships with money. Many parents today are concerned about counteracting the influence of child-targeted marketing, from television commercials to candy ads painted on school walls. The Campaign For A Commercial-Free Childhood seeks to address some of these concerns.


In the news: Launching the Boomerang Generation

The economic downturn has had a particular impact on young adults, with more of them unemployed now than at any time since 1948. "Boomerang" arrangements are a common way of dealing with the phenomenon - but how best to manage the arrangement to everyone's benefit? Read some suggestions from Share Save Spend.


In the news: Most Trustworthy US Companies

Investing in US companies? You can find out their level of financial integrity by relying on GMIRatings, Inc. Read the Forbes article featuring the top most trustworthy companies before you buy.


Member profile: Diane and Chuck - Financial independence at fifty

Read how Diane and Chuck learned to focus on the circumstances they could control – their spending and saving – to transform their lives. At fifty, they achieved financial independence from paid employment, including lifelong financial security for their two disabled sons. Says Diane: “We love doing what we want to do when we want. Life is good!!! “


In the news: Why I Am Leaving Goldman Sachs

Why did Greg Smith resign March 14 as a Goldman Sachs executive director and head of the firm’s United States equity derivatives business in Europe, the Middle East and Africa? Because, he says, Goldman Sachs has lost its way: the client trust that has sustained the company for 143 years is no longer valued or sought. The carefully-nurtured culture of teamwork, integrity, spirit of humility, and always doing right by clients has been replaced with a toxic and unsustainable drive to make the most money from - rather than for - each client. A revealing look at what hasn’t changed about Wall Street since the crash, and why no investment firm can survive without a return to these traditional values of trust.


In the news: The Secret to Living Well on Less

As we’ve learned, the secret to contentment isn’t accumulation of “stuff,” but following an internal compass that points a course illuminated by our true values. Amy Gutman explores how changing our “reference group” – those we compare ourselves to – can help us change our spending and accumulating habits.


Resource: 1001 Things They Won't Tell You

If you need to make a major purchase, make home repairs, buy insurance, or any number of other transactions, 1001 Things They Won't Tell You can provide a useful overview of potential "gotchas" to be aware of.


Resource: Sustainable Seattle

Sustainable Seattle is part of a national project to examine more holistic means of measuring prosperity, beyond GDP, and make communities stronger, more sustainable, and more livable. The project can serve as an example to communities all over the country for improving local economies. FIers can use the site's Happiness Survey as a tool to help clarify personal values as they relate to economic well-being.


Resource: What's the Economy For, Anyway?

Born out of a project by the Economics Department at University of Washington, the movie What's the Economy For, Anyway? has now been joined by a companion book. Compelling and thought-provoking for anyone who's ever wondered: is there more to life than the GDP?


Resource: Center for Responsible Lending

Non-profit and non-partisan, the ward-winning Center for Responsible Lending is a consumer/policymaker resource dedicated to combating predatory lending and banking practices. Check out their tools and resources section for a handy comparison tool to evaluate checking accounts and credit cards.


In the news: Cash Mobs, the Anti-Groupon, Are Coming to a Store Near You

The craze for daily-deal Groupon-style purchasing has become very popular - even when it's really not very good for the health of small local businesses. Read how groups around the country are using social media to turn the "flash-sale" concept on its head to support small local businesses by organizing "cash mobs."


Resource: SmartyPig

If savings is a challenge for you, you have some specific goals you'd like to save for, or you would like a simple, fun way to encourage kids to develop the habit of saving for goals and the save-then-spend lifestyle, check out SmartyPig.


Resource: Free From Broke

For a general financial website with articles and tools, see Free From Broke


Save the Date: Money & Life, June 28 - July 1, 2012

In partnership with the Whidbey Institute, NRM is hosting a convening of 80 innovators of new economic paradigms in commerce, finance, activism, and academia, creating a new equitable and sustainable economy from the ground up. Using the rough-cut of the new film Money & Life by documentarian Katie Teague as a launching pad, we will share what is working and challenge each other to deepen and broaden the transformative power of our organizations, businesses, and our own lives. See Money & Life Event for more information.


In the news: Easing the hassles of changing banks

With ongoing rapid changes in the banking environment, from multiplying fees and-consumer-hostile services to questionable corporate actions, or simply due to relocation, sometimes it makes sense to change banks. However, in today's interconnected, plugged-in world, doing so can be complicated. To ease the challenges of getting all your automated services changed over, check out the Bank Switch Kit from consumerismcommentary.com.


On the wiki: Announcing a new resource especially for Canadians

Although the principles of FI are universal, the specifics of living many of the steps can vary under the financial systems and laws of various countries. New Road Map Foundation is pleased to announce the launch of FinancialIntegrityCanada.org, a new place on the web for Canadians practicing FI. Here you can find editions of the Guides specific to the Canadian financial system, and a place to view and share resources specific to the needs of Canadians. (Although there are many resources with universal application, making it well worth the time for non-Canadians as well.) As a part of this wiki, the FICanada home page provides easy access to the full range of resources on the wiki, while helping Canadians to identify resources geared specifically to their needs as well. From within the wiki, the FICanada resources page can also be reached through Resources - International. We're still building out this important new resource, so please be sure to check back from time to time for updates and new features. Suggestions and feedback are always welcome (you can email us at info (at) financialintegrity (dot) org).


Resource: The American Debt Project

A personal finance blog with a broad range of information, the American Debt Project combines personal experience with practical resources on a variety of personal finance subjects.


In the news: You’ve Got an Emergency Fund — Now What?

Congratulations: you've established an emergency fund to help maintain your financial stability. Now... how do you manage it to keep it safe and readily available? Some ideas from MoneyCrush.


In the news: My Story of Frugality: Breaking My Economic Dependence on My Job

Dale S. Brown tells her story of how she realized that while she loved working, she hated being dependent on her job. Read how, using the FI principles in Your Money or Your Life, she set about attaining more financial freedom. She provides more details here.


Resource: Cool to be frugal

Cool To Be Frugal is a down-to-earth blog about frugal living and increasing income.


In the news: The 3/50 Project: Help Your Local Economy

Looking for a way to both be more deliberate in your own financial behavior, and make a real difference to the economy in your own community? Check out this article about the 3/50 Project, mindfully spending locally, within your normal budget.


On the wiki: Organizing study groups

We have members in Brazil and the UK who are looking for like-minded individuals who might be interested in starting up local study groups, or perhaps online study groups. If you or someone you know might be interested, send us an email at info(at)financialintegrity.org, and we'll help connect you.

We'd also be interested in volunteers who would like to help us translate the study guides into Portuguese (or any other languages).


On the wiki: Newsletter archives

Are you new to the FI site, or just interested in looking up past articles or resources? Now you can browse the newsletter archives for any missed issues. Use the permanent link at the bottom of this page, or go directly to the archives here.


On the wiki: Find us on Facebook!

New Road Map Foundation has launched our new Financial Integrity page on Facebook to make it easier than ever to keep up on what FIers are doing around the world. We hope you'll join us there for content, conversation and community in addition to the postings on the wiki and the [simplelivingforum.net Simple Living Forum]. What's on your mind? How has FI made a difference in your life? Do you have a favorite quote from YMOYL or one of the many helpful books about changing your relationship with money? What are the challenges and rewards? Have a great resource? Need a great resource? Let us know, we'd love to hear from you!


On The Wiki: Join the Fun!

Do you have ideas for how to improve financialintegrity.org? Join in the fun – moderating the wiki is a shared volunteer responsibility and it really connects you to what’s going on near and far. We’d love to have you join the team! Contact info@financialintegrity.org.


Newsletter and image archives

What's New newsletter archive

Gallery of Quotes and Images


Don't miss these items previously featured in What's New

In The News

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Member Profiles


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