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    German Grandmother Lives Money-free and Has Never Been Happier

    Most of us could go a day without spending any cash. But a week? How about sixteen years? That's how long 69-year-old Heidemarie Schwermer, grandmother of three, has lived without money. Schwermer's odyssey is the subject of a documentary film, Living Without Money, by director Line Halvorsen, which is screening internationally and is also available on DVD.

    In 1996, Schwermer, a former schoolteacher and psychotherapist, decided to try to live without money for a year as an experiment. As a child she had experienced deep deprivation as a refugee fleeing from Russian forces during World War II. Her family had escaped what was then East Prussia and ended up in Germany "penniless." She has always felt a sense of compassion and empathy for the homeless community in the city of Dortmund where she settled as an adult.

    Two years before she began living completely without money, Schwermer had opened a swap shop where people could barter services and goods. It was such a success it gave her the confidence to take the leap of quitting her job, giving away all of her possessions except what could fit into a single suitcase and backpack, and moving out of her rental home. According to the Austrian Times, Schwermer says she "had become irritated by the greedy consumer society" she was witnessing.

    She acknowledges that her friends were confused and her two grown daughters were initially shocked (she says they now accept her lifestyle). Schwermer lived nomadically, trading gardening, cleaning, and even therapy sessions for food and a place to sleep. She found it liberating: "Living without money gave me quality of life, inner wealth, and freedom."

    Schwermer has written three books about her experiences. She says the first, "The Star Money Experiment" was quite successful and she passed out all the money she earned to people on the street, "in five mark coins," Germany's currency before the euro. She waived her advances on the other books and asked the publisher to give her royalties to charity.

    Director Halvorsen told Yahoo! Shine, "Heidemarie's unique story made me want to create a film that challenges the viewer into questioning their own relationship to money and possessions." She explains, "The film does not teach you how to live without money, but is a portrait of a woman who has made a very courageous and inspiring choice."

    Living without money in the United States

    Schwermer's experiment is obviously extreme and Germany does have more of a social safety net than we do in the United States. But there are many ways to live with less money here. You can get everything from a bicycle to kid's clothing without spending a penny by logging on to websites such as Freecycle. Craigslist also has a section devoted to giveaways. Apartment swaps and couch surfing are ways to travel on the cheap. Yahoo's Conscious Consumer blog has many other ideas for getting free stuff easily.


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    • taxpayer  •  4 months ago
      c'mon you nayayers, the point of this article is not to tell you you should live like her, but to challenge us to rethink our relationship with money and its importance to our survival and happiness.
      • Sharon 4 months ago
        thank you Taxpaper...finally someone who makes sense and sees this article for what it is!!!
      • Smita 4 months ago
        Taxpayer: You couldn't have said it any better. That's what it's all about!
      • reucserenink 4 months ago
        Taxpayer, you are one insightful person, and very refreshing
    • A Yahoo! User  •  Kelowna, British Columbia  •  4 months ago
      what ever turns your crank. if this lady is happy that all that counts. she is not hurting anyone. as for me i am a middle class pensioner who gives as much as i can to charity but i want a good roof, healthy food, clothes, and medical care and go to a movie once in a while.
      • Claire 4 months ago
        very true, it's what ever works for every individual to be happy....I just find it sad that some people are getting too greedy, miss the chance of being happy by just working to by luxury & their life just went by...if we have what we need & like you said there's nothing wrong with wanting a little outing to the movies once in a while....but unfortunately for some people nothing is ever enough for them....for me my priority is to pay my family's needs with little extra left to share a night out with my hubby makes me very happy!!! ....and like you said this lady seems very happy then I'm happy for her!! :)
    • Mike  •  4 months ago
      Money isn't the problem, debt is the problem.
      Try living debt free and you'll have all the "inner peace" and crap that she's talking about.

      She lives without money means other people are spending money so she can live without money.
      • Noella C 4 months ago
        Maybe she lives off of what greedy people would toss in the dump? Good for the environment, I'd say.
      • Nicky, joe Joseph 4 months ago
        Try living without heat and hydro bills!
      • AmCou 4 months ago
        thats a good point! never thought of it that way!
    • voice of reason  •  Montreal, Quebec  •  4 months ago
      There have always been people that have lived like that but it is not for everyone. It is constant work without security and you could not do it if you had pets or if you had children. I think I will pass.
      • Just Me 4 months ago
        She has children, older and on their own yes, but still her children who have come to understand her way of living. With small children, yes, it would be tough if not impossible in this day and age, but, since hers are grown she has made the choice to live as she does without jeopardizing their welfare. No doubt this fact played a large part in her decision to live as she does as her welfare is her own. I wish her the best and remains as happy as she is now.
      • dd 4 months ago
        What does she do about medical bills or when shes too old to take care of herselk?
      • makefairtrade 4 months ago
        Dd, Germany has social health care, just like Canada.
        Though far more inclusive, i have found. She likely doesn't have medical bills, and she very well may have to give up the wanderer lifestyle someday, but props to her for making it this long.
    • Gloria  •  Comox, British Columbia  •  4 months ago
      I can say without thinking much, that I could not live like this lady did,entirely. I do some exchanges and always have. However, in the last 1-1/2 yrs, I have learned how to give all my possessions away, except those that fit into an RV. It'll show you how little you needed them to begin with!! North American society is dictated to by the advertising. Always gotta have bigger and better!! Then they are not living a real life - money is all that becomes important.
      • Viewpoint Bizarre 4 months ago
        I hate advertising and all its techniques, their brainwashed effects, so much work goes into a 30 second clip for whatever product, Thousands of dollars, maybe a few million for some ads. Makes me sick more than want to buy anything even close to the product.
      • reddog 4 months ago
        And most of the advertisements are so stupid in the first place. They think people are stupid enough to fall for them.
      • Just Me 4 months ago
        The sad thing is, Reddog, is that alot of people ARE stupid enough to fall for them...but, getting back to Heidemarie...she has seen the light and has shedded herself of consumerism and lives a much happier life. Perhaps not the lifestyle for most people but this is her choice and is happier for it! I think she is awesome and wish I had her courage!
    • M*  •  Longueuil, Quebec  •  4 months ago
      very interesting, although it seems like it would be quite difficult because you are relying on others to provide you with shelter and food in exchange for services. one of the main advantages of money is certainty. if you have money you know for sure that you can get a house, clothes, food, etc. its just that people have become wasteful and greedy and they are forgetting that money isn't what will make them happy in life.
    • Sigi  •  Calgary, Alberta  •  4 months ago
      Should that nice lady ever make it to Canada - I offer her a nice place free of charge to take my bored dog for long walks, house cleaning etc. There must be some ladies of similar character in B.C.,Canada..... Honest - I mean it!
    • Lost in Translation  •  Toronto, Ontario  •  4 months ago
      Wow. I feel a sense of accomplishment if I can go a day without using the debit card. I am SO discombobulated right now. If I don't have money, at least I have my vocabulary.
    • Cheryl  •  Wood Buffalo, Alberta  •  4 months ago
      Right now she can garden and clean and give therapy sessions for food and lodging. But what will she do if she gets too sick to do any of those things? She needs to save for old age and also realize that serious illness can hit anyone no matter how healthy she may seem now.
    • Ms. W  •  4 months ago
      Amazing but scary - no money at all?? And what happens if not every day she is not able to barter for a place to sleep or whatever?? I agree that most of us can live on LESS but nothing at all??? I would think even gardening costs money as one has to buy the seeds and well pretty much everything costs money.
    • A Yahoo! User  •  Kitchener, Ontario  •  4 months ago
      How noble! I wish her all the best.
    • fordzz1  •  Edmonton, Alberta  •  4 months ago
      Good for HER. But what happens when she becomes sick, And cannot do this anymore? Who takes care of her then.?.
    • kuri  •  Toronto, Ontario  •  4 months ago
      This is something that people aware of teoroticaly, ut not most people try it practically. It is a change that is needed to be tried by most of us. The time is coming for the good heart and open people to act on it. I am very happy to see this, but I do not know where to start from.

      peoce and love for all human
    • Mariiiiie  •  4 months ago
      She's obviously healthy and independent at the moment. She could remain that way for many years too and hopefully she will... because she will NOT be able to live without money once her health fails and needs elderly care. It's a great 'experiment' but one has to think of when they'll be old and frail.
    • strawberryflaco  •  4 months ago
      Lots of people in North America haven't learn to share at all. They know it all already.
    • Sheila  •  Burnaby, British Columbia  •  4 months ago
      Maybe I was too harsh..... those were just my first thoughts on the topic.
    • Sheila  •  Burnaby, British Columbia  •  4 months ago
      Most people wouldn't want to have friends that were continually "couch surfing" ... and how many people in North America would hire someone to do gardening, etc. and then let them live for a while at their house? Not many, for valid personal safety reasons. I guess if this works for her it's good for her, but sooner or later she will probably need someone (or society) who DOES have money to help her out.

      And I don't really see the point of the value of a barter system over that of a monetary system --- what's the difference in the long run? I can work for a company, earn money, and with that money buy goods and services. OR, I can do odd jobs here and there, trading those services for goods and services ... but with a lot less certainty.

      Personally, I think that part of being a responsible citizen is living in a manner in which I look after my own needs (such as renting or buying my own living space, etc.) ... but I guess to each his or her own. :)
    • Jasmine  •  4 months ago
      People kill for money, people save for money but she is my hero and I want a session with her, can she send me a ticket?
    • M  •  Collingwood, Ontario  •  4 months ago
      bless her heart
    • steven m  •  Toronto, Ontario  •  4 months ago
      i gave most of my stuff to charity ,live in a small cabin ,off the grid ,utilize,solar energy ,horse trade and buy cheap at second hand stores or garage sales.no made in china if you shop around i like old world quality.what abought meds ,doctors, stuff like that .the moral of this story is you can live cheap how far and at what sacrifice .shes running on a lucky streak but good for her .
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