The welfare budget is out of control. But many claimants are there through no fault of their own and slashing payments won’t address the poverty problem or help out-of-their-depth politicians either

The coming weeks are likely to be a bleak time, not only for those on benefits who receive payments that could be cut. But also for growing numbers of the low paid, whose employment is likely to be at risk because of national insurance changes and yes – the April rise in the National Minimum Wage.

Appropriate credit should of course be given where it is due and the Labour Government certainly do appear to be digging themselves further and further into a hole with every policy decision that they make.

However, nothing is as straightforward as it looks in politics. And as I wrote in a blog in early December when I asked if Labour has been set up as ‘custodians of the collapse’, there is much to suggest that when it comes to the quality of politicians that we currently have in the UK today, the group filling the government benches are the unfortunate ones who have been left to carry the can.

I say this, as the collapse that there is very good reason to believe the collapse that is now underway, could, in theory have began at any time, since the decision to bail out the banks during the Great Financial Crisis of 2007/08.

The chances that a collapse would arrive sooner and more severely has grown significantly as a result of the Government response to the Covid Pandemic, the War in Ukraine, and basically everything that the politicians in power have been printing money to cover the cost of, ever since.

A collapse is and has always been inevitable. Because the financial, economic or monetary system that we have had since 1971 is to all intents and purposes little more than a massive game or perhaps what we might call man’s greatest confidence trick.

The financial, meonetary and economic system that we currently have was put together, successfully implemented (adopted) and pushed so that those ‘in the tent’ would become rich beyond their wildest dreams.

Meanwhile, control of the greater population has slowly but surely been passed to the same set of interests, using all manner of manipulation and incentives that mean people have effectively been surrendering their freedom – usually through financial means.

Hard as the reality may be to swallow, many people have been unaware of what has been happening to them; how their approach to life, relationships and everything has changed and in real terms, what a small set of very selfish and self-serving interests have so-far successfully done to everyone else, just so that they could become very rich.

The big flaw in ‘the game’ and with it the source of the greatest risk – which is the loss of control when that flaw inevitably becomes too obvious to hide, is the only way that money can be created or printed in the increasing amounts that it has been and still is, is for the value of the money that normal people possess or are able to earn to lessen much quicker than wage rises or the value of property they have the ability to own to rise and offset it. Let alone go beyond in the wealth creating sense that any does who is part of the clique who ‘rigged the game’.

By now, you are probably wondering what any of this has to do with welfare, benefits or the National Minimum Wage.

The National Minimum Wage, which was conveniently brought into being by the Blairite Labour Government on 1 April 1999, was of course sold to us all as a tool to ensure that everyone received a fair wage for every hour worked.

And as far as that story was sold, the people who the establishment needed to believe what was being suggested, almost certainly did and have done ever since, not least of all as the National Minimum Wage has increasingly become known as the National Living Wage too.

The problem is that even at the rate of £12.21 which will be the hourly rate of the National Minimum Wage from this coming April, it is and will continue to be nowhere near enough for any single person to live independently, self-sufficiently and without the help of benefits, charity (like Foodbanks), by going into debt or raiding savings – or falling back on them all.

The National Minimum Wage is certainly nowhere near enough for anyone to live on!

Done properly and with the intentions that should have underpinned its implementation, the National Minimum Wage could have performed and impacted lives very differently to the way that it has.

However, what it has actually done has been to serve as a wage suppressant. Keeping the wage ceiling deliberately low for significant numbers of people within a system that has been funnelling money in one direction only.

Let’s be clear. Not having the guarantee of taking home enough to ‘pay their own way’ makes it near impossible for people to feel in control of their own lives.

However, the legal requirement to pay the National Minimum Wage itself has the perverse consequence of ensuring that small businesses can no longer succeed. Because the margins that big global businesses are working to have made it impossible to keep paying the same number of people they could previously afford to.

Meanwhile, those big businesses themselves could actually afford to pay what it costs their lowest paid employees to live, but too often don’t. Instead choosing to move everything that they possibly can to countries where they can pay exactly what they want to, whilst everything we need is quickly becoming a luxury that more of us can no longer afford.

Guaranteeing that everyone on the minimum wage earns enough to live without help would solve problems that many simply wouldn’t believe

In my recent Paper ‘Is Poverty Invisible to those who don’t Experience it’, I talked about the experience of being on benefits today. What that actually means to those unfortunate enough to find themselves claiming them, and what it is like for normal, decent people to step through a door where only the most resilient could ever maintain the levels of confidence and self-surety needed to navigate a system where anyone who cannot fend for themselves financially is treated like a pariah, at each and every turn.

To put it bluntly, most people who find themselves within the benefits system today, without a career background or experience that makes them employable in a way that almost certainly guarantees they would never be there anyway, are damned. They are unable to escape, because the most basic of jobs that are readily available do not offer an income level that is genuinely realistic enough to provide anyone with the kind of independence and freedom that only a genuine wage that links directly to what it costs to live can afford them.

For those who need it to be spelled out; the number of people who are on benefits because they want to be there or because they cannot function in any way without benefits is very small and much smaller than any of the statistical evidence that is available would suggest.

However, working a ridiculous number of hours per week, to only then have to rely upon benefit top ups and the bewildering experience that goes with it; to struggle enough that you have to ‘qualify’ for an emergency food package from a Foodbank or to have to go into debt or use money that was put aside for living rather than to simply stay alive, holds no great incentive for anyone. Especially when the work itself usually attracts scorn and ridicule from others who see themselves as better and look down on those they see as beneath them or without the same value.

Solving the benefits problem should be as simple as government telling every employer that they have to pay everyone whatever it costs to live.

Yet we have long since passed the time when this would have been possible without collapsing the economy. Even if it would only have made a difference for a short period of time.

People are on benefits and living with less than what anyone needs to live, in this day and age, because for many of them it really is the lesser of the evils. Even though the evils that they are being subjected to still hurt and reach very deeply indeed.

The Government ‘view’

At the other end of the problem, the growing welfare bill is fast approaching a cost that simple mathematics has long since told us that the UK can no longer afford.

However, politicians have continued to do ‘find’ or create the money to keep covering the welfare bill (even though they talk up the mean actions that they do take), as the political fall out from exposing the truth, that there is a significant and growing underclass of people whose incomes are nowhere near what it actually costs to live and that businesses of ALL sizes are effectively having wages subsidised by the state, whilst vested interests are pretty much taking every bit of available wealth from everyone, would mean a confrontation and battle with the system itself that only a very rare breed of politician would be big enough to tackle.

The cost for everyone is the society and culture we were once proud of now crumbling around us, having its destruction accelerated by those in power who have become so desperate that they are turning everything to ash, just so that they can be seen to remain in control.

The reality is that politicians no longer have enough legitimate or morally workable options available to them to justify creating enough money out of thin air to save them now or to ensure their re-election, when the UK has for a long time already been technically broke.

What so few can or are prepared to either accept or to see, is that money doesn’t work for people in the system that we have and never did. Even though generations have regularly been conditioned to believe that getting wealthy or having everything would come quickly to all of us on the cheap. Just as long as we all went along with the lie.

The UK is now caught within a whirlwind of parallel death spirals. Where the poor and those with less can only become even poorer. Whilst the ability of government to do anything meaningful has been hollowed out.

The situation leaves the entire political class on the edge of a precipice where government is about to become unable to do anything. And all of this has been inflicted upon us so that a few could become wealthy and obtain power, always knowing that they would have to achieve oppressive levels of control over society, before anyone who would be brave enough to speak out and be believed by enough people had worked it all out.

The Basic Living Standard: A Pathway to Economic Equality and Fairness throughout Life

The coming weeks are likely to see increasing talk of benefits, unemployment and what it costs to live as the government makes budget cuts and then as the reality of the changes to National Insurance contributions really begin to bite in early April, alongside the rise in the Minimum Wage.

Whilst the current government is very much the focus of blame, the difficult truth that many still cannot see and politicians will not talk about – IF they actually understand, is that the Minimum Wage is the benchmark that is used by everyone as the ‘accepted’ level of what it costs someone to live.

However, although the Minimum Wage will rise to £12.21 in April, this level of pay – even for a 40 hour working week, is nowhere near enough for a single person, living alone to cover the cost of everything they need to pay for each week, without seeking benefits, help from charities such as Foodbanks, going into debt (or using savings), or a mixture of them all.

Regrettably, the way that our economic system works and has deliberately been developed and evolved over a period of more than 50 years means that money and everything related to it can only make some people fabulously wealthy in the way that they are now, by many others being financially left behind.

Although this unbalanced financial system has appeared to work for a very long time, and long enough that it means most of us cannot picture the world we live in working any other way, the reality is that it could only work for a period of time, because it has developed around the growth of what we all know as the wealth divide.

Money has been created in such volumes, especially since the Great Financial Crisis, the Covid Pandemic and the War in Ukraine, that the shelf-life or end-date is arriving even more quickly than those who understood and benefitted from the system imagined, and it is the reality that the impact and consequences of decades of having this system in place which are now proving very difficult for politicians to hide and why we are now experiencing so much that people in power are either avoiding or simply refusing to explain.

Money is the centre of everything. It’s the reference point for the value of all that we have, want, need and do, and its presence and influence has reached the point where the role that money now plays in our lives is dehumanising everything – and being helped to do so by those who are benefitting from what we believe about money (that isnt actually true), and what we will accept from them as a result.

However, the world could be very different. And to be very different, we need to put people, community and our locality and environment back at the heart of everything.

The Basic Living Standard is the radical proposal to change the way that economics and money works, so that everyone working a full working week would be guaranteed a level of pay that would ensure that they could be completely self-sufficient, and live independently, working in the lowest-paid employment, thereby giving EVERYONE the same benchmark for life and minimum human value in all and whatever they do.

The Basic Living Standard would require everything in business and across society to change, so that we all recognise the value of people and what living a good, healthy, happy, safe and secure life within a genuinely fair, balanced and just system, in every part of life and in everything that we do – as it should be – rather than the focus always being upon profit, greed and advancement, as it is right now.

Please follow the link below to read the Full Text of The Basic Living Standard, download the FREE PDF version or buy the Book for Kindle.

The Basic Living Standard | Full Text

Introducing Locality Based Economics and how we can achieve financial freedom for ALL

A note to readers about this online version of The Basic Living Standard

Published in this second form as an eBook for Kindle on Amazon on 14 April 2024, From The Basic Living Standard follows here in the form of the original text, with some minor editing principally to allow publishing in online format and this PDF form.

First discussed in Levelling Level, published in March 2022, The Basic Living Standard has become a common theme of the eBooks that have followed that are listed with links to purchase and/or download as PDFs to read FREE under ‘More Reading’ which follows at the end.

If you understand that the way we value money and how money has become the benchmark in all things across life is the root cause of just about every problem the world now has, you may be ready to accept that meaningful change requires that our relationship with money and everything that places money at its heart MUST be thought about and acted upon differently.

The Basic Living Standard cuts straight to the bottom line and if instead of immediately accepting any thoughts you have that might sound like ‘This wont work because…’, and then repackage those thoughts as pointers to what The Basic Living Standard would require to change, you may then begin to grasp just how extensive the changes that are required for humanity to flourish really now are.

Thank you for your interest.

AT, Cheltenham, UK. 6 March 2025

Epigraph

Trust your instincts. Trust the thoughts, the feelings, the unexpected, unsolicited and unemotive words that ‘arrive’ in your mind.

Trust the messages that don’t suggest outcomes or results, but when trusted always deliver the better outcome for you and as you will only ever appreciate given time.

Trust yourself before all others, and when you find yourself ready to embrace truth that others contradict or don’t appear to believe in, remember that both things can be true – from your respective points of view.

Preface

Nobody has the right to make a profit

Government and politicians have willfully overlooked this truth for decades, whilst helping to remove the regulation and safety barriers that once helped to keep life for the lowest paid affordable to live.

Whilst many pour score upon the lowest paid and society’s most vulnerable and buy into the propaganda that their financial misery is somehow self-inflicted and that only they are at fault, the truth is that the prices of all the essential basics that we all need would never have escalated and reached the unstoppable highs that they have already, if the whole business and financial system hadn’t been manipulated to serve the interests of profiteering and greed.

We have all been conditioned and enslaved by money, the accumulation of material wealth and the status that goes with it.

These are the only things in this world that count. Today.

The function of every real business and organisation is to provide goods or services that support or improve the lives of people. Not to generate income. Yet the businesses that don’t do anything to support or improve the lives of people are the ones pushing up prices and making life for everyone else so hard.

This, the cost-of-living crisis and all of the UKs social problems have come into being because we have become obsessed with money as the key priority in life, rather than having values and humanity which are the benchmark of how a good life should be.

However, the world is changing, and it is changing fast. Nothing is certain in the way that we used to believe, and we are now experiencing a time of chaos and change that cannot offer any certain outcomes for any of us, unless we all embrace the need for meaningful change as a conscious and voluntary choice.

Money is God (But not for much longer…)

The FIAT monetary system that we have today has slowly been destroying our humanity and replacing it with commerce and consumerism since 1971.

FIAT translated quite literally means ‘let it be so’, and if the majority of the population already understand that the money that is holding them and their misery to ransom doesn’t even exist but is created out of thin air by their jailers, it is fair to assume that this tyrannical financial system that effects everything, would no longer exist.

FIAT is no better than a massive confidence trick that relies on those with influence and power gaining too much from their involvement to stand against it, and everyone else never understanding or asking the questions that would immediately make it fall apart.

Whilst FIAT has always been flawed, it has taken until now and the massive bouts of public spending that have been underway since the government responses to the Covid Pandemic, which have led to the runaway price escalation in every area of life.

This is the warning signal that the system is about to break.

The return to values and humanity

Because money has been our priority in everything for so long, we have lost sight of what the experience of having a good life is all about. We have quite literally forgotten our humanity and find excuses to apportion blame and see guilt in others who are struggling, when we are doing well – because when things are good for us financially, it’s all too easy to assume that everyone who counts in life will be doing exactly the same.

However, we are all in for a very rough ride and whether  the establishment succeeds in their aims of introducing a new financial system of their own that will herald in an unprecedented level of  human control, or we collectively wake up and reject their ‘leadership’ and replace it with something better that we can call our own, FIAT as we know it and the unsustainable way that we have been living may not yet be over, but it  is certainly now at its end.

Rejecting the lead of money and embracing people-centric economics

Difficult as it might be to visualise a world that works with money in a very different way, there is no universal law that says one person has the right to exert any form of control over any other, even if the methods, the yolk or the chains they use restrain us using forms of fear that are carefully hidden from everyday view.

With the monetary habit or addiction regrettably now ingrained, we must embrace the opportunity that this period of inevitable change now offers, to create a new system, and to create and embrace new laws, that put people and specifically the essential or basic needs of each person, at the centre of life and of every business transaction. Rather than being like today, where those people ‘without’ or who have become vulnerable to the greed of others, are just considered to be a lost cause.

The Basic Living Standard and the way that it can be used to influence change throughout everything in life, offers precisely that choice.

Introduction

Life is our economy. Economics should never be our way of life

Wealth divide

We are living in an age when nobody should go without. There is wealth of a kind that the world may never have experienced before and living standards have reached heights that have extended human lifetimes massively, whilst drastically reducing mankind’s susceptibility to disease and physical ailments that were guaranteed to kill or be life-changing for everyone exposed, perhaps as recently as 100 years ago.

Yet poverty and the vulnerability that sits alongside it is relatively unseen and draws scorn, whenever those in need of benefits, the support of food banks or of other kinds of support demonstrate an experience of life that we believe to be intolerable and one that deserves punishment and guilt, because we somehow believe that we are better and that it could never happen to us.

This phenomenon isn’t new. Government of one kind or another has been legislating to support society’s poor since Tudor times. Despite all of the advances that include the industrial revolution and the period of rapid technical change that we have experienced in recent decades, poverty continues to exist. In fact, poverty is thriving. Yet few really ask the question why and nobody has dared suggest a real solution or fix.

We believe that for some to be financially rich, it is necessary for others to remain poor.

Uncomfortable and as disagreeable as this statement may appear to be, the actions of the culture and the society we live in and are experiencing today, tell us that this is our unspoken truth.

Yet this statement isn’t the truth. It is just how our experience of the world we live in today has conditioned us to think.

There is no need for anyone to be left behind. There is enough of what we need for everyone

As we buy in and commit ourselves to the rat race, consumer-led mentality that has been ruling the world and steadily taking over every part of human life since the end of the Second World War, we easily learn to lose sight of what is really important in life as our values switch from relationships, our community and our immediate  environment, to seeking qualification and acknowledgement from the material world that now dictates everything from outside.

What we have forgotten and learned to overlook, is that everything we really need to be happy, content and lead very good lives is already available to us from all those things, and that the real answers that we are looking for can only come from looking within.

It is in everyone’s interests that nobody is left behind. It is because we have forgotten this that so few of us could argue that we have really prospered, whilst even those who believe themselves financially wealthy in today’s terms have actually been left behind.

We can all have the happiness we only believe to be available to those who are billionaires just by doing our bit to ensure that everyone has access to meet their basic and essential needs, without being forced to experience the fear, worry and anxiety that comes from debt, being forced to seek charity, or being beholden to and exploited by others who have embraced the idea that their own success can only be achieved at someone else’s expense.

Making the best of inevitable change

In the previous Book Days of Ends and New Beginnings, we discussed the period of change and the crisis we are now in.

This pathway of inescapable change is likely to result in the complete reform of our financial system and the money we use, alongside everything we know involving the way that business and industry run, and even our government and political system work too.

If we are to make the best of the difficulties we face and achieve meaningful change as the outcome, we must accept that we have all played a part in what is happening to some degree. Even if it is just down to the products we buy, or what we do or don’t do when it’s time for us to vote.

Understanding the need to change how we think about money and economics

Hear the words economy or economics, and you will probably have the word ‘money’ come immediately to mind.

But the idea that money = the economy isn’t really the truth.

The truth is that money is just a part of our economy.

Money should play a part in the economy, just like all the other things that we do and the interactions we have in any relationship that we have with the world outside of our door.

A twisted reality

Because we have been conditioned to believe that the economy is our life, it has been very easy for us to accept that there is a monetary value to all things, and that anything that cannot be given a monetary value, simply has no real value at all.

Life has literally become all about money. Money – and everything to do with it, whether it be power, influence, ambition and anything that can be considered to be material wealth – is how our world qualifies absolutely everything.

But the true cost of building our lives around money has been that we have forgotten who we really are and that we no longer place value upon the things that are really important in real life.

We are addicted to money. Money is our habit. Habits become our truth

Money is an addiction. An addiction like every other, whether it be alcohol, smoking, drugs, gambling or anything else.

Money is an addiction that brings nothing but misery whose lives are on the wrong end of its power. The deception of being happy and in control when we have more money that we need takes complete control of us but delivers nothing but pain when we don’t have enough of it and money becomes the only thing that we want.

As with people, our culture, community, and entire country (and World) has become addicted to the money myth and everything that surrounds it.

We are the drunk or drug addict that we have collectively become. Rolling around in a world we have allowed to become our own gutter, thinking all about the next ‘fix’, but with no idea who and what we really are.

Those who have experienced the realities of addiction know what comes next.

Remove the metaphors, and the collapse of everything we know is now knocking at the door.

This is who. This is where we are right now.

We can have a money-focused economy, or we can have a people-focused life. We cannot have both

Turning the period of crisis and change that we are going through on its head so that it becomes beneficial and meaningful through the experiences of constant price rises and the cost-of-living crisis will be horrifically difficult. Because progress is dependent upon our understanding and accepting that our destructive relationship with money is all about the way that we think.

We quite literally have to do ‘cold turkey’ to get over the money-based addiction that is destroying us and the world around us.

We MUST accept that as with every other kind of addiction, there really are no different levels of addiction involved.

There is no halfway house.

We either believe in the power that money has over us today. Or we don’t.

If we continue to maintain our belief in money and award it the value that we do today at any level, we will damn ourselves to repeating exactly the same mistakes of the past. No matter how much we do to correct everything in life as we have the opportunity to do so right now.

The Basic Living Standard and locality-based economics are the building blocks of the to a good future for everyone, rather than the pathway we are on right now

The Basic Living Standard follows Days of Ends and New Beginnings and builds upon the suggestions, ideas and principles that you will find mentioned there.

In the coming chapters, we will add further detail to the proposals already made that surround the creation of a new (or renewed) fully locality-based economy or what would be easier to imagine as being a large series of micro economies covering local communities and their geographical areas.

Whilst we could much more easily move to a locality-based system of economics voluntarily today – and it would be highly advisable for us to do so, for the purposes of this Book, it has been concluded that voluntary change will not be possible and that instead, this fundamental switch of systems and governance will instead hinge upon or be anchored to The Basic Living Standard.

The Basic Living Standard and related Basic Living Standard Wage are covered a little later.

Together, The Basic Living Standard and locality-based economics offer an alternative economic structure that that has the ability to turn every social problem and the difficulties we face in our relationships with the World around by refocusing both our thinking and our activities back to valuing people and therefore ourselves.

The alternative, which is a choice, nonetheless, is the passive acceptance of the changes that are now being dictated and imposed upon us by somebody, somewhere else, that will only make any sense to us for as long as we value money and everything that goes with it, above all else.

An economy focused solely on money and a Locality based Economy focused on values and people are mutually exclusive. We cannot have both at the same time.

There is no in-between or hybrid system that sits between either money or people-based values.

As such, the proposals built around The Basic Living Standard for the new world ahead and where we go next, really are the alternative to everything that is going wrong for us all now.

It is up to us whether we want to take control of the process of change so that we can reach that new world, or just accept the inevitable change as it comes to us each day anyway and whatever that means for our quality of life in the times that lie ahead.

Part 1:

The Principles of the Basic Living Standard.

The Basic Living Standard is the foundation of a locality-based economy that puts people, values and humanity first 

There is one fundamental rule of a system that will be and remain balanced, fair and just, that works for everyone:

That every rule and law remain subservient to and respectful of the Basic Living Standard, and that its existence or impact will not compromise the principle of The Basic Living Standard in any way, no matter the relationship.

The adoption of The Basic Living Standard, whether through a resetting of the current system of governance or as the result of everything we know stopping and then starting all over again, is the act of completely overturning the top-down or hierarchical system of governance.

Implementing The Basic Living Standard will turn the mechanics of the whole top-down, hierarchical system on its head, so that the system becomes ‘grassroots-up’.

The Basic Living Standard is the rule that puts people and values first.

It will end the prioritisation of money, the disproportionate accumulation of material wealth, the abuse of power, influence and of gaining more of anything and everything before considering anyone else.

A fair, balanced and just society can only operate by maintaining a fundamental benchmark for equality across the system.

This can only be achieved by creating and maintaining a framework of governance and rules that ensure the material independence of each person cannot and will not be compromised by either the action or will of any other.

It MUST be the primary objective of the community and any structure of governance around or beyond it, to ensure that this principle is maintained at all times.

By adopting and maintaining the principle of The Basic Living Standard, the overwhelming number of societal problems that we face today will be addressed.

As long as the individual remains respectful of the dynamics of the principle of The Basic Living Standard which is and always be ‘treat others how you wish to be treated yourself’, almost everything that needs to be fixed, needs answers or requires solutions will create its own fix.

The Basic Living Standard (BLS):

The Basic Living Standard is a formula or form of words designed to ensure that every person, no matter who they are, will have the unhindered ability to sustain themselves independently and without help.

The Basic Living Standard is summarised as follows:

Each person working a full working week must be able to feed, house, clothe and provide adequately for their own travel, whilst providing for all their essential needs, without credit, loans, benefits or third-party support of any kind.

Every part of business, charity and civic life MUST prioritise The Basic Living Standard as its focus and run with this priority in mind at all times.

For absolute balance, fairness and justice across society, the commitment to that system of balance through fairness and justice to each person MUST be absolute too.

How the Basic Living Standard (BLS) will work practically through the Basic Living Standard Wage (BLSW)

The Basic Living Standard (BLS) is based on the proportional division of what a working adult would earn for the equivalent of a working week in the lowest paid role.

The BLS Wage MUST be equal to the minimum amount necessary for that same adult to live safely, securely and healthily in a self-sustainable way, without the need of any kind of subsidy, the requirement to engage in debt, or the need to fall back upon charity such as food banks.

Money-centric thinking makes people-centric thinking feel impossible

The immediate response to the suggestion that the whole system is built around the lowest paid being financially independent in every way is likely to be, ‘That’s not the way that wages work. We get paid and then we see what we can afford!’ – or similar.

This is the thinking of the money centric world that we are experiencing today.

It is the thinking of the old age.

It is the thinking of the system and the governance that we are now leaving.

It is the thinking of a system that is about what’s best for somebody somewhere else.

It is the thinking that always prioritises someone other than us – all too often without you, me or any of us realising that’s the way that it always works.

Once the framework has been established that says the first rule of the new system will always be the BLS Wage, everything that relates to or relies upon what workers are paid, will have to redirect, recalculate, reform, reset or even restore to values that reflect what the lowest paid can afford, rather than the profit that any business decides it may be entitled to make.

The BLS and The BLS Wage will mean that personal freedom through material independence will be assured for each person and no longer be threatened by the actions of those who abuse the power and influence that they may have.

The BLS Wage and The Basic Living Standard will ensure that greed, profiteering or the accumulation of disproportionate wealth of any kind will no longer lead the way for everyone in how they conduct their lives.

Personal Freedom through material independence is how life should always be.

The mechanics of the Basic Living Standard Wage (BLSW)

In Days of Ends and New Beginnings, we discussed the basic needs for each person to function and survive.

Foods, goods & services that meet each person’s basic needs are essential.

Essential Foods, Goods & Services are what each of us need. They are not what we want.

What we need and what we want are two very different things.

The Basic Living Standard is a benchmark that allows each person who genuinely wishes to work to live, rather than live to work, has the choice to do so.

Through receipt of the Basic Living Standard Wage, given by employers in return for providing the most basic functionality to fulfil the most basic role, each person can live and maintain their own personal freedom through material independence.

The Basic Living Standard is not inflationary. Therefore, the Basic Living Standard Wage is not inflationary.

If an individual wants to earn more than the Basic Living Standard Wage, they will have the option to gain more through the accumulation of skills, experience and/or time served that they can then offer to fulfill the needs of business and/or the community.

Each person can fulfill a role that requires a greater level of skill or experience once they have it. But that role cannot change or be awarded a higher wage, just because it’s what the employee wants.

If the principles of The Basic Living Standard are followed, the highest wage within any organisation will find its own natural ceiling.

However, reaching this point of balance will take time and in the first instance, it is suggested that the highest paid employee or income earner within any organisations should not receive a gross income larger than the Basic Living Standard Wage any greater than five times (5x).

Breakdown of the Basic Living Standard Wage (BLSW):

The following Table provides a suggested breakdown of how the BLSW should be apportioned:

The Essentials:% Proportion of Income / Time (Suggested)
Basic Food20
Accommodation20
Utilities10
Healthcare5
Transport5
Clothing5
Communication5
Entertainment5
Savings, Investments & Other Eventualities15
Taxation and/or Community Contribution10
  
TOTAL (%):100

Figures of this kind may be unrecognisable in today’s terms. But that is because the cost of living has been pushed so disproportionately out of control and driven by the greed and profiteering of private interests.

Inflation only exists because the current financial system isn’t balanced, fair, or just. It allows anyone able to influence the system to do so, purely on the basis that doing so will enable them to make more – no matter the true cost.

The Reset or Great Reset: Recognising inevitable change and making it meaningful

In Days of Ends and New Beginnings, we referred to the period of change and crisis that we are now experiencing as a system ‘reset’, ‘restart’ or as a complete flipping of the system which has money at its centre, and which relates to how everything is governed and how everything works.

Due to the way that the establishment uses the media to create narratives and also the way that many of us have responded, we often refer to this process as ‘The Great Reset’.

Whether we see the danger of the message being conveyed by use of ‘The Great Reset’, the fact remains that World Elites and the World Economic Forum have been building a narrative around this term and it has become vital that we all recognise that ownership of this process of change and the future beyond it is ours.

The Great Reset is not theirs.

Reset or Great Reset – it doesn’t matter. Reset is likely to prove to be the most accurate term. As whatever happens, what is affected or however we look at it, unless the world is completely destroyed, there will be restarts, re-establishment, redirection and resets of everything at all levels, right across everything to do with life.

IF we take control of this process with the aim that the change will be good for all of us, everything will be corrected so that it works fairly and in a balanced way – as it always should.

As part of the price correction or system reset, each business and organisation must restructure their pricing so that it reflects genuine worker input, rather than the bottom line

With the collapse of the existing money-centric system taking place step-by-step, like a series of falling dominoes, where one is knocked and then they all follow, it may seem strange that the reconstruction process that will create our new world, could be achieved in a very similar way.

It is the adoption of The Basic Living Standard and with it, The Basic Living Standard Wage, that MUST be the first principle to be adopted.

Adoption of the Basic Living Standard Wage will serve to be the first domino that knocks over all the others that need to fall into place so that the Basic Living Standard becomes the benchmark for all.

Our system of governance only has to adopt and get the framework that guarantees The Basic Living Standard right, to set off the process that will ensure that it works and operates in every way that it should.

Once the Basic Living Standard becomes the principle upon which all rules and laws governing business and finance are based, all activities will then realign away from profit to people.

Putting the value of people right at the heart of economics and making every business and legislative process think of each person in this same way will be like a catalyst that leads to everything that is unjust, unfair or out of balance, being put into its correct alignment with the outcome that everything will work out right.

Defining the prices of all the essential basics that each person needs

Within the system based upon The Basic Living Standard, there are two forms or streams of commerce we can identify: The foods, goods and services that we need (The essentials) and the foods, goods and services that we want (The non-essentials or ‘luxuries’).

The retail or consumer cost prices of ‘essentials and every part of the process that provides for them must always correspond to the requirements of The Basic Living Standard in every way.

When the rules and principles of locality-based economics and the Basic Living Standard that underpin it are followed in every way, the entire system will function as it is intended to do so and as it should.

On this basis, business and industry would adopt the following basic formulas to identify the prices of essential foods, goods & services or their proportional attribution.

For purposes of illustration, this Table is based on the current Minimum or Living Wage (£11.44 per hour, per 40-hour week as of April 2024) and demonstrates the maximum corresponding prices or compounded values for essential goods and services, in today’s terms and based upon what the lowest paid are likely to receive for a full working week:

The Essentials:Monthly % AttributionEnd of Month Value £UK
Basic Food20396.59
Accommodation20396.59
Utilities10198.29
Healthcare599.15
Transport599.15
Clothing599.15
Communication599.15
Entertainment599.15
Savings, Investments & Other Eventualities15297.44
Taxation and/or Community Contribution10198.29

For anyone attempting to gauge how unaffordable life is today for each person on the minimum or living wage and why we are in a cost-of-living crisis, this table demonstrates just how much they would be paying, if the minimum weekly wage were enough to support the lowest paid outright.

This table shows how wages would then be apportioned in a way that was both affordable and fair to cover the cost of basic essentials at the end of each month if the minimum wage could cover these costs in April 2024.

Please note that these figures assume there being no requirement for Benefits Payments (subsidy) or taking on debt (loans & credit cards etc.) in any way.

The figures and proportionality suggested would be agreed democratically before the Basic Living Standard Wage system is adopted and implemented.

However, given how the cost of essential basics would be apportioned fairly and in a balanced and fair way, it the variance is unlikely to be any more or any less that 1 or 2 percentage points either way (+/- 1 or 2 %).

Once adopted, the rates of apportionment will not be changed because one interest or another claims that their business or industry wants, is entitled to or must have more. Changes would only be permitted as any change to the way that we live dictates any related change to the goods and services that are essential for each person to be able to sustain themselves.

The prices of the essential basics each person needs MUST remain fixed

The relationship between the Basic Living Standard Wage (BLSW) and the prices of essential goods or services (or their accumulated value), MUST remain static, for a fair, balanced and just society to function and for locality-based economics, underpinned by the Basic Living Standard to work.

Setting the exact value of the Basic Living Standard Wage, versus the monthly value of each person’s essential costs is not the most challenging issue to be faced, once everyone is committed to putting people first.

In today’s terms, the minimum or living wage would have to rise or the current prices of essentials would have to fall to meet the requirement of meaningful change, one way or another.

We are emotionally tied to the perceived value of the £Pound ($Dollar etc.) as we experience it today. So, for the purposes of illustrating this people-centric way of using and valuing money, it may be helpful to use another form of nomenclature or currency in order to establish the Basic Living Standard and Basis Living Standard Wage, at least on a temporary basis.

Quality of life for everyone should never hinge on a name or label and in the next part of this Book, we will adopt a new currency value to help visualise this very different and much more beneficial picture of the future.

Part 2:

The Locality based Economy

The future is local

Few can see it; many would pour scorn upon it. But the future is local, IF we genuinely have the desire to live in a fair, balanced and just system, where we are all happy, healthy, safe and secure to enjoy the freedom to be in the most meaningful and human way.

We have regrettably become so used to the money-centric, consumerism-led world that we live in today, because many of our living generations have not experienced life in any other way.

We genuinely believe that the unsustainable way that we live life based upon what we want is here forever, and that having the next or newest available technology is what we need so that we can be the best that we can be.

But we are using money that few of us really have, all the time under the direction and adoption of a values set which comes to us from someone, somewhere else, using digital devices that plug us into a parallel universe which isn’t real, but we accept it as such because everything seems so much more credible when it comes to us ‘online’.

Consumerism and the globalisation that it opened the doors to is quite literally killing us physically as we eat foods that are increasingly bad for us, whilst the flow of meaningless information and opinion presented as fact are destroying our ability to be healthy in our thought processes and to look at every interaction or encounter with others in a helpful and human way.

The point has been missed or is being deliberately obscured, that the healthiest and most beneficial way for each person to live is to interact with, listen to, eat, work with and have relationships of any kind with people, places, goods, services and anything else essential to life – that we can physically touch.

We should only use digital technology as a way to improve life. Not so living life digitally becomes the way of life itself.

The future is local. Because it is only by adopting systems of production, supply and relationships built upon real interaction with the people within the communities that actually surround us, that we will be able to rediscover who we really are, embrace a life with humanity and values, and then build a new world around us which is balanced, just and fair.

The real value of money and cryptocurrencies (DeFi) today

Crypto or cryptocurrencies have become increasingly popular in recent years. But in their current form, they have a massive and potentially terminal flaw: Today’s cryptocurrencies are worth ZERO.

Today’s cryptos work on the same basis as the FIAT money system that they were intended to side-step.

The value of Cryptocurrencies is based only on what anyone using them, buying them or accepting them as payment believes.

For many of us, this is a very difficult truth to understand.

We only have to look at news in the media that suggests cryptos such as Bitcoin are worth tens of thousands (x10,000) of £Pounds, $Dollars or the equivalent in many other currencies or monetary terms to see what people believe they are worth.

Yet cryptocurrencies are not tied to anything of value. They do not have anything of value linked directly to them.

Even the arguably sensible idea of only creating a limited or finite number of them doesn’t answer the fundamental questions or realities of what a currency or any form of money is, and how they should really work.

Money is a unit of exchange. Money is a value transfer tool. Money is a medium and nothing more.

Money has become the benchmark that is set against everything in our lives. Because making us believe that the value of money is real has benefitted someone else’s greed for wealth, power and influence in some way.

With the FIAT Money system on its way to collapse, we are all going to go through a process of realising the real value of the things that we genuinely need, as opposed to the things that we want.

That process will lead to us rediscovering the true value of money and any form of currency.

When money or currency of any kind can no longer be used to buy anything, either because we simply don’t have enough of it, it’s not tangible, or because what we need is not available to buy, circumstances will force us to appreciate what the value of the things that we need really is.

The tipping point

Whilst a systemic and financial collapse may not appear to be a one off momentary event, or have the stop-start feel that the ending of one system that will have to be replaced by another suggests, the reality we face is that for what may only be a short period of time, it is likely that there will come a time when none of the currencies we use either in physical or digital form, will have any value when it comes to being able to secure anything that we need to buy or survive.

Despite what your immediate thoughts might be after reading that we might find ourselves having to function without any form of money, it is within the collapse of the mechanisms of the current money-centric system where the seedbed of the greatest opportunity to secure meaningful change exists.

When boiled down to its purest elements or the nuts and bolts of the current top-down hierarchical system, we can see that our belief in the money-centric system is based on the idea that everything we do or that we can achieve in life is about the value of money, the accumulation of material wealth, and the power and influence that supposedly goes with it.

At the point in this process of change when circumstances and practicality tell us through our experience, that this belief, idea, principle, motivation – or whatever you want to call it, no longer works, we will have reached a seminal moment.

This will be the moment in time when the light can shine through on the darkness of our current reality, and our true values and understanding of what life is and how it should really be will face an open door to changing life so that it is better for us all.

This is not about making light of what will happen when the World we know today, that runs on money in every way, simply stops functioning. Because money doesn’t work anymore.

It will be hard. In fact, it will be very hard.

But adversity really is the mother of invention. And it is at this point that we have the opportunity at the local, community level to establish a locality-based economy, founded upon Local Market Exchanges (LME), that will feed into and provide the basis of how a new system of governance works.

Locality based economics is focused on people. Not money. Not things.

The basic building block of locality-based economics will be the value that we place on each person in a very practical and measurable way: The input or contribution that each person makes.

Locality based economics is quite literally all about putting the value created by people first.

It is by founding and then building a system of locality-based economies upon the value of the input or the contribution that each person makes, we will successfully create The Basic Living Standard for All.

It will be the priority of the new system of governance to maintain The Basic Living Standard. As by doing so, the majority of the social problems that we have today won’t just disappear or be removed from view. They will be gone for good.

If money no longer works, the basic laws of trade and commerce will rule

So, let’s imagine we have reached the point where the financial system as we know it has collapsed.

Money simply doesn’t work. What happens next?

Well, people need to eat. People need to be able to buy essential food. People then need to be able to secure the basic essentials that they need.

With no money in circulation, or no money that has value in circulation, people will begin to exchange or swap what they have and have accepted they don’t need, or can do without, for the things that they do need and that they cannot do without.

No law, regulation or threat from any authority will stop this.

When people are hungry or need to provide, they will do whatever they can to secure whatever they need, and swapping, exchanging or bartering is a lot more civilized than what will happen if theft or violence becomes the next step.

The good news for us all is that whilst the system may have collapsed around us, the technology and infrastructure are unlikely to have disappeared.

The issue we face is that the technology and infrastructure isn’t currently set up to work in a very localised or microeconomic way, when this is how we need technology, infrastructure and the governance that oversees it, to operate so that it can help and support All of us.

The emergency birth of Local Market Exchanges and Local Market Exchange Platforms

We should all feel confident that we can survive and thrive through the coming years and months.

We can all play an active and positive part in creating the new system that is balanced, fair and just for all, because much of the creative and innovative thinking already exists that we will need to build every part of it.

It is just the question of what, why and who people will be doing their bit for that has to be settled before work on our new world and the locality-based economy can begin.

If the moment is reached when money doesn’t work for the majority of people, events could unfold in a number of ways.

A note of caution: Please look kindly at anyone who loses their shit in these circumstances. Desperation doesn’t excuse poor behaviour of any kind. But it does provide good incentive to organise anything and everything that we have available to our communities and the people within them, as quickly and as efficiently as we can.

The first step to maintaining civil order is to pool everything that the community has available and to be fully transparent about what the community has, and how it can and will be shared.

If events should result in a situation where people are going hungry, transactions cannot be based on exchange, and must be based on the simple act of sharing all that we have and don’t require to meet our own immediate requirements.

Genuine help cannot ever be provided on the basis of what others can ‘afford’.

The next step is to create a system of fair exchange, that functions on what everyone can give, or what they can trade or barter.

The principle value of this exchange system, or Local Market Exchange, will be based on the time, skills, experience and basic labour that it took to provide whatever the essential foods, goods or services being exchanged might be, or what it would be when the complete process of producing that food, those goods or services would be, when considering the process or supply chain from end-to-end.

The creation and development of the Local Market Exchange will take place in two primary stages:

  1. Bartering & Exchange of goods, supplies and services that the community already has available, or which it has the ability to grow, manufacture or provide, and
  2. The creation of a new localised currency linking, anchoring or pinning transactional value of foods, goods and services directly to the number of people and/or the contributions (input to the system) that they make.

Bartering & Exchange

There will be a transition between the thinking that people have today – the current money-centric ‘value set’, and where it will end up – the ‘people-centric’ value set.

During this process of transition, where it is likely we will experience shortages, through necessity people will want to use goods that they have but do not need to exchange or swap for the foods, goods and services that they do.

To maintain order and promote community cohesion, communities will be required to create markets in a physical form, to allow bartering, swapping and exchange to take place in an open forum that supports transparency of distribution for all.

Historically in times of shortages, black markets have always thrived. But they are also representative of the same power structure that top-down unfairness and bias creates.

It is essential that the communities come together to provide a support structure that ensures transactions of any goods or services deemed essential to each person are made available to all.

Beyond ensuring fair distribution of everything each person needs that is available, the creation of formal exchanges will ensure that any goods or services that can be considered beyond what is essential – i.e. anything that anyone wants to trade, are exchanged in a way that reflects the newly developing local economy, and doesn’t change hands at a level that continues to promote the money-centric value set that we have moved away from.

The Basic Living Wage has been constructed, so that the process of calculating the true value or price of any essential foods, goods or services will be as straightforward as possible within the new Local Market Exchanges and locality-based economics.

As discussed in Part 1, it is the apportionment of essential basics in relation to the Basic Living Standard that is most important. The money or currency adopted will literally just be a method of exchange – not a device that can be used to manipulate the price or value of anything that is essential to life – and can therefore be massively exploited, as is the case today.

Developing new local currencies (Cryptocurrency, DeFi)

The Basic Living Standard and Basic Living Standard Wage create the basic principle, guidance framework or directive for the operational priorities of Local Market Exchanges and how governance of locality-based economics will function.

All transactions anchor to or hinge upon The Basic Living Standard, a universal benchmark, which through the mechanism of the Basic Living Standard Wage, provide the basic rate of exchange between all local or decentralized currencies, or any umbrella, centralised or connective currency linking them all, as the basic unit of value remains constant throughout.

A currency that works on a fair, balanced and just basis MUST correspond exclusively to its own system of governance.

The fairest, most balanced, just and most democratic form of governance is where power has been attributed and responds in its most local form.

As such – despite the commonalities between different currencies, the power to govern local currencies must remain in local community hands – not for the purchase of essentials – but so that non-essential or luxury goods, can be exchanged at rates which correspond to the idiosyncrasies of production in their very localised form.

Beyond the practicalities of the requirements of the Local Market Exchange system, it is also ethically correct to keep the balance of power that accompanies use of currencies and finance in their most dispersed, local and transparent form, so that they cannot be used as a leverage tool within an oversized governance system that relies upon coercive control.

Local decentralised finance (DeFi) in the form of both paper or coin and local blockchain derived cryptocurrencies, based on an intrinsic population-based value and linked only by the Basic Living Standard, will assure our personal freedom from economic tyranny, in the most basic sense.

Supply chains of every kind must always be as simple as it’s possible for them to be. As it is through the accumulation of additional stops or steps in a supply chain that don’t add value, but add additional and unnecessary costs, where so many problems begin.

The roles that each person has within the locality-based economy will be redefined and reconsidered as the evolution of our new system takes hold.

Some forms of employment that are today highly regarded for all the wrong reasons will no longer be ‘needed’ and will no longer have any reason to exist.

Using Tech and AI for good: Developing the Local Market Exchange app

If you are one of the many people with an interest in new currencies, new ways of living and a new (or a return to) people-centric way of living you will already appreciate that a process of change and chaos is underway. Even if you are not sure what it all means.

Many of us find the idea that massive change can happen without us even being aware very challenging. So, the suggestion that the world we know could change in just about every way imaginable step-by-step is equally hard to accept. However, we all need to be open to the reality that the collapse of the system or any part of it doesn’t necessarily mean that absolutely everything stops.

Within the process of change that we are now experiencing, it could well be the case that because the world doesn’t stop many of us will continue to believe that nothing has changed.

This creates two specific dangers for us all:

  1. That the people who believe nothing has changed will stand still, do nothing and allow those who have created all the social problems that we have now, to dictate and recreate a system that continues to work only for them, and:
  2. That when things do reach a critical point and we are experiencing social disorder, people will not look to themselves and to our communities for the answers and the solutions, and instead will continue to listen to the same old sources and go around in circles – back to point 1!

Preparation today, is and will be one of the most effective ways to counteract and lessen the risk from the impact of change, whether that change is step-by-step, or should happen as part of a recognisable event.

More importantly, preparation today is the best way to help ourselves, the people we care about and everyone within the communities where we live.

There is no doubt that the long-term success of the Local Market Exchange and within locality-based economies will require the development of a new app-based exchange systems for foods, goods and services, and that these are fully interactive and linked to or with the fully localised or decentralised currencies that we need to create and correlate them with.

In time, Local Market Exchanges will require a localised or franchised version of an app that works as follows:

  • Operates within geographical parameters that are definable using existing postal codes or GPRS
  • Allow an item (or group of items) to be swapped directly for a rate of currency to be agreed, OR another item (or group of items) IF the two parties involved in the direct transaction should agree
  • Allows a source of community governance to set the values of basic or essential foods, goods and services, but prohibits any other kind of change
  • Shows what essentials foods, goods and services are available collectively to the community transparently at all times
  • Makes any goods that are not essential to community members, (which could be the surplus of otherwise essential foods etc.) available to other Local Market Exchange Franchises – in the order of prioritising immediate neighbours first
  • Is based on a membership structure that requires sign-in and acceptance of all terms
  • That will either be or can quickly and easily become fully interactive with a new Local Digital Currency that is directly linked to the number of ‘members’ in terms of the structure of its value, with the ability to change or rescind those values on the membership status of each member of that community group
  • That is fully open source
  • Each ‘franchise’ will be owned by the community that manages it, with a salary to be paid from the local governance body to those administering the system on behalf of it

Locality based economics revolve around the mechanics of a genuine minimum wage

The Basic Living Standard is based on what we would today recognise as a genuine minimum or living wage.

Genuine, because the Basic Living Standard is a minimum wage based on what it costs the employee to live and to support themselves. NOT on what the government has told employers it is acceptable for them to pay, which is less today, than it costs for anyone to live independently with all their essential needs met without benefits, charity or going into debt.

Today’s minimum or living wage is just a sum that is set by the government as the minimum amount per hour that every employer must pay.

The Basic Living Standard instead tells suppliers of essential foods, goods and services, what the recipient of The Basic Living Standard Wage will be able to pay for everything that is set within the standard. Suppliers will not be able to charge more for essential foods, goods and services, because The Basic Living Standard will be a universal framework rule.

It will be a legal requirement that every supplier provides essential foods, goods and services of some kind.

‘Luxury’ or ‘non-essential’ products must always be the secondary purpose, not the primary purpose of any business or organisation.

No business will be able to develop their primary business, based on what people can ‘afford’.

Valuing each person and the contribution they make

Through the creation and implementation of The Basic Living Standard, we will give back the real to each and every person who contributes to the community by working in any role, no matter how much it is paid or how it might be perceived.

It is essential for everyone to recognise the value to all of our lives, that contributions made within the most basic of roles actually have.

People who pick fruit. People who empty our bins. People who fix the roads. People who stack the supermarket shelves. People who deliver parcels and takeaways to our doors. People who make and serve our coffees. People who serve us a pint in the pub.

These are the people who undertake all of the very different tasks that make our life experiences easier in the real and everyday sense.

These are the people who must be recognised through the award of The Basic Living Standard Wage, so that contributing to all our lives by filling any of these roles can be a genuine and happy lifestyle choice.

The value of currency is anchored to the value of the contribution or input that each person makes

Money and cryptos or digital finance today have no real value, other than what any of us believe.

Today’s money or currency system may now be over, even though it hasn’t ended yet, but that doesn’t mean physical money in the form of paper/coins and cryptocurrencies won’t have a place in our future.

Local digital currencies, built on a Local Market Exchange platform or exchange, will be the best way for our communities and a world built on locality-based economics and microeconomies to thrive.

To make any form of currency work properly, it is necessary to give or attribute a system around them that underpins their value as a medium or a unit of exchange.

The basic unit of value in locality-based economics is the Basic Living Standard Wage, or any part or unit thereof.

However, the figure or the specific values agreed for The Basic Living Standard Wage is not the important factor.

Once the whole system works around The Basic Living Standard, the figure itself is a technicality.

It is the value or de facto guarantee that we attribute to the Basic Living Standard, where the importance of the whole principle must be placed.

Foundations of Value in locality based economics

For the purposes of illustration and suggestion, we will create a new unit of currency for locality-based economics and the new system itself.

We will name the currency a ‘Goal’ and give it ^ as its symbol.

So, if we begin with the BLSW being set at 75 units per agreed working week, it would be written like this: ^75.

^75 is the weekly rate of pay that each person will have available to them as a gross wage, from working a 40-hour week, before any deductions are made.

To establish the new system, each person within it must be given or awarded a residual value, so that the total value of the currency available within the system is always proportionally and directly related to the number of people who exist within it.

So, at the establishment of the new system, let’s say each person is awarded ^75.

The ^75 apportioned to each entrant is added to the Local Market Exchange balance sheet, so that an overall ‘market value’ and record of the ‘Goal currency’ in circulation always exists from that point.

The entrant can spend the ^75 or begin using it as a medium of exchange within the Local Market Exchange immediately. But the entrant can never withdraw or draw into this sum in cash or equivalent form.

When the entrant leaves the system, the ^75 must be removed from the Local Market Exchange Balance Sheet.

Newborn babies (and children under 14) would be added to the system @ ^25, with their ‘account’ being managed by their parents or guardians until they are 14 years of age, with a further ^50 added to their own independent account.

A guide to apportionment of The Basic Living Standard

The Essentials:% Income AttributionEnd of Month Value ^ (xBLSW)Annual Value ^
Basic Food20%65780
Accommodation20%65780
Utilities10%32.5390
Healthcare5%16.25195
Transport5%16.25195
Clothing5%16.25195
Communication5%16.25195
Entertainment5%16.25195
Savings, Investments & Other Eventualities15%48.75585
Taxation and/or Community Contribution10%32.5390
TOTALS:100%3253900

Whereas the above table illustrates monthly and annual equivalent values of all essential cost centres, the table below uses basic foods to show what the daily allowance (maximum) would be:

Essential FoodsWeekly Allowance ^Daily Allowance ^Meal Allowance ^
Basic Food152.141.07

Essential basic foods are quite literally the ‘meat and two veg’ or very basic, healthy food options that are available, or will become readily available, once locality-based supply chain structures have been (re)established to create the microeconomies that our new localised world will require.

Once again, these are the foods that people need. Not the foods that people want.

Essential or basic foods typically remain identifiable in their prepared (cooked) form, with they were when they were in their pre-harvested form or the condition in which they entered the food chain.

The exceptions are good basic foods that have been through traditional forms of processing, such as bread and basic dairy products. Foods that can be produced through processes that can be powered by hand, or using energy in very sustainable forms, through processes of milling, baking or churning, that can be powered directly by wind or by water, without any reliance upon electrical power or energy in any other form.

Please remember, it will be perfectly normal to look at these figures and think ‘that doesn’t sound like a lot’. But that thinking relates to how things operate today, within a money-based system.

Locality based economics is people-centric or ‘people first’, and values driven.

The value of everything will be determined by people. Not by ‘market forces’ – which is profiteering or greed using another name.

Community Contributions: Our contribution to address shared need across the community

Another change that will be necessary for us to achieve a workable Basic Living Standard is our relationship with charity giving. How we pay for services in the community, and how we all give back or contribute in ways that give us ownership or a stake in the success of the society we are part of.

The fairest way to achieve personal buy-in and a pay-off that creates a positive impact on the world around us that we can see, will be for each person to give the community 10% of our working time or income – or the equivalent of one-half day working per week, through Community Contributions.

Many of us could easily use the specialist skills and experience that we have to offer during a three-and-a-half-hour weekly contribution of massive impact and contribution within public service delivery. We could also volunteer to support charities and public organisations with three and a half hours each week of whatever help they may need, where we cannot.

By providing such help and support, through a new local community services hub, linked to the revamped and localised system of governance, we will reduce the cost of the local public services that we still need. We will reduce our reliance on ‘professional’ government staff, and we will all be able to play a part in improving the experience that we all have of our local environment, which will help us all regain a healthy view and respect for all the public services and infrastructure that we share.

Community contributions: A public sector run by and for us all

The system of community contributions will allow the cost, influence and involvement of the public sector to be returned to the level where it should be, with its focus being service to the community and not as a business or sector in its own right as it is seen today by too many to be.

There will always be a need for full-time roles. But the emphasis will return to front line professionals that carry out purposeful and dedicated professional roles, such as Police Officers, Doctors, Nurses, Firefighters and Paramedics, rather than disproportionately sized backrooms and systems of managers behind them, that refocus energy and resources away from what public services are actually there for.

Taxation & community contributions in the locality based economy

Taxation would run not on a Pay as You Earn basis (as in the UK today) or as a simple tax on income as it is earned.

Taxation would run as a flat tax at the equivalent of 10% of income, OR the contribution of one-half days’ work, within any basic role that the community needs fulfilled, or the equivalent professional skill that the individual can offer – if and only their skillset, experience or knowledge is something that the community needs.

Community contributions rather than tax would be obligatory for a period of 5 years from the end of each person’s period of full-time study or apprenticeship (vocational pathway), which would normally be 21 years.

The half day to be worked as a contribution to the community would be given ‘back’ at any time during the standard working week which would be mornings and afternoons on Mondays to Fridays and Saturday mornings too.

Employers would be expected to release staff during the week, with any such absence made up on Saturday mornings.

Working from home (WFH) sports, spiritual well-being and time off

In an economy where you work only to live, rather than being expected to live to work, we will all be much happier with the way that our days and weeks are broken down.

A working week will cover five and a half days and be the same for everyone within the locality-based economy, with only very few public services needing to be operated around the clock.

Working from home (WFH) or hybrid working will be normal for every form of employment where no physical presence is required, with those who have to attend their place of employment to complete their work doing so very locally and paid higher remuneration if there is any need for them to travel beyond their locality.

Saturday afternoons should be dedicated to community activities and sport, which will always be participatory for those who wish to take part.

Sundays shouldn’t normally be commercial or work-focused in any way and should be a day of rest and spiritual development in whatever forms each person would choose that to be.

Weekdays are used for illustrative purposes only. Different Religions place different values on different days of the week, and there is nothing contrary to the purpose of the locality-based economy if rest days or spiritual days should be defined as a personal preference or choice. In fact, the overlap is likely to be beneficial to the community, ensuring that the number of those working when others with shared priorities are not, are kept to the absolute minimum in every respect.

Back Page

We can only solve the problems that society faces if we give the lowest paid the means and opportunity to earn enough to sustain themselves independently and without the need for support.

The national minimum or living wage will never achieve this, because within this broken financial system, the nearer the minimum wage gets to the true cost of living, the faster the cost of all the essentials that we all need will inflate or go up.

We need nothing less than a paradigm shift from a money-centric system to one that puts people first in every respect.

The Basic Living Standard introduces the principle of Locality Based Economics and offers the basis of a new financial system in which we can achieve financial freedom for ALL.

More Reading

The Basic Living Standard was the second book in a series that I began writing about three years ago in early 2022 and has been featured throughout.

Each of the Books that follow are a variation on a shared theme, working very much under the principle that it is not only possible but actually healthy to be able to understand, value and even hold different views or perspectives of the same situation or set of circumstances at the same time, whether that be in the Past, Present or Future tense.

Equally, it is also important to be able to consider different pathways for the future that sit beyond what many consider to be the obvious, simply because the obvious itself is usually inextricably linked with what has already been done and what sits in the past.

All of the following titles are available to purchase as complete eBooks for Kindle from Amazon using the links provided.

Where indicated, titles may also be available to download FREE as PDF Copies from my Blogsite in different forms, using the links provided.

If you would like to discuss any of the works listed, please get in touch.

Levelling Level (30 Mar 2022)

Amazon

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From Here to There Through Now (3 Oct 2022)

Amazon

The Way of Awakened Politics for Good Government (3 Dec 2022)

Amazon

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A Community Route (28 Mar 2023)

Amazon

PDF Download

The Grassroots Manifesto (18 Apr 2023)

Amazon

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Officially None of the Above (18 May 2023)

Amazon

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Actions Speak Louder than Digital Words (8 Jun 2023)

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One Rule Changes Everything (23 Dec 2023)

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Food From Farms Guaranteed (3G) (15 Feb 2024)

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Days of Ends and New Beginnings (7 Apr 2024)

Amazon

The Basic Living Standard (14 Apr 2024)

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Our Local Future (18 Aug 2024)

Amazon

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Who Controls Our Food Controls Our Future (14 Nov 2024)

Amazon

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Your Beliefs Today create Everyone’s Experiences Tomorrow (11 Jan 2025)

Amazon

PDF Download

Manifesto for a Good Dictator (26 Jan 2025)

Amazon

 

If the world is run and ruled with money that isn’t real, has the point been proven that we don’t need money to function or put people first?

“What do you mean – ‘Money isn’t real?’” I hear someone cry.

Well, if the financial and economic devices that government and the banks use such as deposit multipliers, quantitative easing and being able to call up new money on demand don’t tell us that money only has the value we say and believe it has, why not ask yourself the next question ‘How can the value of the money I earn and have in my account change when nothing else has?’

No, the paragraph above certainly isn’t enough to sow any seeds of doubt in the minds of those who are bought into the economic system that we have and believe that they gain or profit from doing so in some way.

But that doesn’t change the truth that underlies the way that money works. Not only in the UK, but in the US and right across what we recognise as the westernised world today.

A massive injustice has been and continues to be inflicted upon many innocent people by a System that has been purposefully designed, created, manipulated and extended, so that those who have control and money can use it to make themselves disproportionately rich through nothing less than the impoverishment of others.

The harm that the current monetary and economic system has created for people is so extensive and the consequences so harsh and far reaching, that the suggestion any person could do such things deliberately or otherwise to other human beings, and then sleep at night, does seem to be simply too hard to believe.

That disbelief is one of the reasons that so many of us still believe that money is real and that the way the economic system works is normal or just the way things are.

It also helps us to believe that the money banks lend us and use to finance our phones, cars, small businesses, houses, credit cards and everything else that we get on credit, is money that has been lent to the bank and was real before that whole process began.

Money, or more importantly, the money system that we have works. Because we believe that this is how money works.

The majority of us simply accept our understanding of money at the level of its transactional value. Rather than money itself being part of the very elaborate and deliberately complicated system that sits behind it.

The Money, Financial and Economic System we have requires much patience, understanding and open mindedness, before there is any chance of understanding how it all really works.

It was the ability to create money in the way that government and bankers simply print the stuff today, but make it look like something very different, which inherently made life something that increasing numbers of us can no longer afford.

‘Finance’, ‘leverage’, ‘venture capital’ and any one of a number of different ‘lending vehicles’ that now exist have enabled people who are favoured by The System to buy up property, the ownership and control of businesses and all sorts of different infrastructure that is essential to help with basic life. Just so that those same sources can charge interest and increase profit margins, making themselves and their businesses richer and richer, whilst they take ever more control of everything in life that counts.

Its not a question of legality. Not that legality itself can now be relied upon or trusted to make anything morally or ethically right.

The way The System has been constructed and developed has ensured that through actions such as deregulation and use of the civil and commercial courts, has meant that in terms of The Law itself, and the way that we have all historically paid deference to it, the whole process and everything that has happened to others so that some could become very rich has been legal and above board.

There is plenty of information available online if you would like to get an idea of what really happens behind the scenes and watching a film such as The Four Horsemen may be a good place to start.

However, the debate, discussion, argument or indeed truth about how money really works isn’t why I have written this blog.

I have written this blog because when you, I, anyone or everyone can accept the way money works today and the impact and influence it has on all parts of life, we must then also accept that money only works as it does and the few are only able to do the things they are doing to many others using money, because the way that their money works is what we believe money to be and what we consider to be normal about money.

The way we think about money isn’t normal. But it helps some to get very rich and very powerful for us to believe that it is.

Acceptance that money isn’t real and that the money system we believe in is the only way that anyone could have gained the wealth and control that they have, also brings with it a very different perspective on the role that money plays.

Because the recognition that money has no value means that every financial transaction that we engage in is based upon nothing more than belief.

If everything we ‘buy’ and therefore ‘exchange’ is based upon a transaction of belief, it means that unless there is some benefit to others by there being money or a recognisable currency of some kind made necessary for the completion of that transaction, we don’t actually need money of any kind to engage in the reasoned exchange or transaction of goods, services, employment or indeed anything else using money, at any level or in any way.

Money or the money system that we have has been created and used to exploit, enslave and cheat us all, as if life can be treated as if its just one giant Monopoly game.

We have a choice for the future: Money or People?

What will you choose?

One Rule Changes Everything | Full Text

Solving Society’s problems using our relationship with money, values and people to create a solution that lasts

Introduction

As we begin 2024, ‘Problems, Problems, everywhere’, might be the opening line for some mythical superhero sent to save us all by using their political superpowers.

The challenge for us, is that the multitude of problems we are facing across the UK are not only real, but the list is also growing too.

One thing we can all feel pretty sure about is that in terms of public representation, legislators or the people we could elect or re-elect to be our politicians, there certainly aren’t any superheroes amongst them.

In fact, none of our politicians understand what the responsibilities of their elected roles as public representatives are and what the power, they have been entrusted with is for. That much we can be certain of, simply because of the way that things already are.

To be fair to anyone who has knocked on doors and entered politics with best intentions when they first stepped forward, very few of them – whether in Parliament of within any of our local councils – have the ability or the time necessary to observe, consider and understand how government and the public sector in the UK actually works. That is, before they are either corrupted and become part of it, or the issues they raise that would genuinely help us just as quickly see them spat back out.

This part of how the British Political System works is important to understand. Because no matter what the problems are that we are personally experiencing with the world around us, or what the problems are that the people in our lives are experiencing with the wider world too, the reality is that it is, or was at some point, the result of what a politician did or didn’t do, when they had the opportunity to behave differently, that has ended up with every problem that we are now experiencing across society.

How government and governance work

The laws, regulations and the governance we have to control everything in life outside of ourselves or our homes, is ultimately the responsibility of the people (that’s us).

In the democratic system that we currently have, that means that the decisions taken that have created all the problems the UK has are down to the choices made on our behalf by the people we have elected to represented us and in whom we have collectively placed our trust.

It doesn’t matter whether the politicians and decision makers were aware of the consequences of their actions or not.

No person should ever stand for election to a public office, if they lack the ability to take decisions on behalf of the constituency that they were elected to represent. Rather than putting their political party or themselves, first.

Regrettably, we are where we are today. And because the growing mess that we are being pulled into right now has been created over a period of decades in time, the reality is that the problems that poor, misguided and incorrect governance of  the UK has created are now too embedded to be easily fixed – No matter what any of the politicians that are currently lining up with the aim of getting elected in the next General Election have said already or are going to tell us as that time gets nearer.

We can no longer continue as spectators in our own story

The UK and the World itself enters the mid 2020’s in crisis. Whilst some of us may feel happy and contented with the lives that we have and might even feel insulated from the World outside of our daily lives or what some would call our ‘bubble’, very few of us can fail to acknowledge the problems facing people, communities, society and our country as a whole.

Whilst we all have the ability to look outwards and say quietly to ourselves, ‘none of this is my problem’, or ‘someone else will sort that out’, the truth we all have to face is that responsibility for the things that have happened, the things that will happen and the things that still need to happen, rests a lot closer to home.

Those of us who are able, must now enter into the process of looking at all of the problems that we have, and what we do to try and address them, in a very different, and very alternative way.

Surprising as it may sound, it is the complexity of the problems and the interconnected nature of all those problems that the UK has that sit in the areas of law, rules and governance that have not only allowed the creation of all those problems, but has also made finding a solution to them difficult to the degree that many believe the solutions that are now necessary, are impossible to implement, in no small part because we don’t believe that we have any control or relationship with them.

Even harder to fathom for anyone genuinely seeking solutions, is that despite the almost encyclopaedic spread of those problems, that we will later discuss in terms of degrees of separation, both the problem(s) and the solution(s) can be identified and recognised for the power and the reach that they have, in what are very simple terms.

It is the simple way of looking at solving the UKs problems that is most difficult to accept. Because the masses of problems and the complexity of all of them surely means that there must be masses of solutions that are themselves very complex by their nature, after all.

What I can tell you, with the life, education, commercial, volunteer, entrepreneurial, charity, government, not for profit, political and thinking experience that I have, is that we all have the same power, as individuals and as members of our communities, to play our part and to change things. And that change all comes down to the way that each and every one of us think.

Regrettably, we must genuinely want to change our minds before we will be prepared to change them. The resistance to that change is where the root to the solution to every problem genuinely lies.

The System or Paradigm that we experience and are living in now

Because life is so detailed, and we are continually drawn into that detail, it is very easy to miss the bigger picture that is at work around us. Not just within one or a few additional layers, but for some of us what might be described as being a multilayered or multifaceted way.

If you were to stand back and be able to look at, review, consider and think about the way that everything in the world beyond your own day to day experience and what you see every day in the world around you works, no matter how detached, how far away or how irrelevant it might feel, that entire picture, the moving parts, the people, the businesses, the communities, the countries and everything else are what is called a system or what some might refer to as The System.

The Solution isn’t in the detail. It’s about the system itself. If we change the way the system works, the details will take care of themselves

The way that The System works or the processes, patterns and behaviours that make The System work the way that it does is called a Paradigm.

Whilst the many solutions to society’s problems being suggested may have been very well thought out, they are usually idealistic and fail in some way, simply because they overlook the practical reality of the way that The System or the existing Paradigm works and affects everything.

The Paradigm that needs to be changed, or shifted, is based on, focused and is developing even now around Money and how everyone thinks about it.

The shift to a new Paradigm and the process that will bring solutions to all the problems that we have will require us to be values orientated and therefore People-Centric instead.

The question we all face, and that our future, the future of our communities, our country and probably the world too rests upon is ‘What will it actually take for enough of us to change our minds?’

Stepping back from the small stuff to embrace the bigger picture

The switch from subjectivity to objective thinking may sound easy when framed that way. But the reality is that if the ability to see everything objectively were as straightforward or automatic as looking at everything subjectively, the World would already function very differently and be a much happier and healthy place.

Chances are that you will have heard and understand the phrase ‘Can’t see the wood for the trees’.

This is a simple way to consider the relationship between detail (being in the trees) and the overview (the view of the whole wood) that is a key part of the journey that now follows in this book.

Although One Rule Changes Everything is about working with the bigger picture, to give the process and solution the meaning required to be both viable and for its longevity to be assured, it is necessary to appreciate how The System we live in today really works by having an understanding and appreciation of what the detail means or what it collectively adds up to first.

If you are ready, it’s time to begin:

Part 1: The System We are living in is Broken

The Money Centric Paradigm

Today we live in a Money-Centric Paradigm.

Life and everything in it – no matter what you can possibly think of – other than the very personal or ‘special’ relationships that we have – is measured and therefore ruled by the value of money, and the power and influence that goes with it – Because of the Money Centric Value Set that everyone living in the World today has.

Profit, and therefore greed, are the drivers that have been leading so-called economic policy across the West and as such, the whole World for a very long time.

Yet since the early 20th Century – when the combustion engine and the use of oil created a seminal moment in World ‘progress’, and then in the post-war period, when the capitalist consumer economy and then the philosophy called Neoliberalism took off, the greed underpinning it and the actions that it has taken to feed the greed of people with power and influence have gone into a completely different – and arguably inhuman league.

The part you are playing

We are all participants in the success of the Money-Centric Paradigm.

We believe that we need everything that the companies owned by the greedy people running the World, tell us we need.

Even worse, we go running back for more of what they offer us, despite actually not needing much – if any – of what these people and their companies are selling us. Even when the foods, goods and services that we are consuming are doing us physical harm or affecting our mental health.

We are addicted to Money. And as anyone who genuinely understands how addictions such as drug or alcohol abuse affect the people who become the victims of any drug, its usually the case that the addicted have to look the damage that is being done to themselves and the world around them by their addiction, in the eye, before they can even hope to rationalize what’s happening.

Only then will they hopefully be able to take the steps necessary to overcome or reject the addiction that they had previously failed to see was ruining their lives.

The addiction of Money-Centric living

Druggies and Drunks may be the first thing you think of.

The next may be ‘I’m in no way anything like them’.

But the reality is that for as long as you keep depending on earning more money, borrowing money, leasing that new car, buying a bigger and more expensive house, going skiing or having a foreign holiday every year, having the biggest and latest mobile phone, having this seasons clothes, shopping for food at a supermarket without giving a thought to where your ready made or exquisite ingredients come from, living off junk or highly processed food, having a car for every member of your household and using it when you know damn well that you could have walked – or any one of basically all the things we do in the world outside of ourselves – other than caring for the people who we know we genuinely love – the reality you have to face up to, is that you are playing your part in all the problems that your community, this country and the world are now facing.

What is more, you are addicted to the way that it all works.

Why Money causes so much pain

We are fortunate that the addictions that people have within our communities and our society are isolated, even though there are far more people affected than any good society should be comfortable with.

If the table were to be reversed, and it was the majority of the population that suffer from those addictions, it would only be the few that are awake to the realities of the addiction and how widespread that it has become who could accurately see and understand the damage that was being done. Because those suffering from the addiction themselves are simply unable to recognise the level of harm that the same addiction can and almost certainly will be doing to everyone else.

Nobody has the right to make a profit. But those addicted to money believe that they do

One of the hard facts about the Money-Centric Paradigm is that no matter who we are, what part we play or what material things we actually have, if we are bought-in and therefore addicted to the way that money works, we are blind to the damage that it is doing to us, and that our actions can do to others, along our way.

As money has played a more and more toxic and addictive role in life, particularly since the Neoliberal approach to economics took over properly in 1971, the motivation to have more money or make more money, no matter how much money or material possessions we have already got, has become more and more of a priority, to the point that it has steadily dehumanised the way we consider our actions and the reach of those actions along the way.

Profit drives the cost-of-living crisis and the rapidly rising prices that we are experiencing today because so many companies are now exploiting the explosive growth in the volume of money that exists because governments have been so happy to print more and more of it.

To those who already have so much, finding new ways to obtain and accumulate even more money is just a game and the free markets and the deregulation that facilitates their growth that Neoliberals tell us are so good for everyone, is just a very clever way to remove the rules that are there to represent the will of the people – and protect us, so that those with money can make even more money and then use that money to obtain increasing and very undemocratic levels of control.

Private interests have obtained so much power over services and industries that provide everyone with the goods and services that are essential for life, that they are effectively able to guarantee that they will always make a profit and be able to pay dividends to shareholders, because the power they have obtained allows them to bully and control the very weak minded people that we have elected, in just about every conceivable way.

Those with power over money today will not relinquish any of the hold that they have on it voluntarily. However, the choice they have to use the obscene amounts of money that they have accumulated to fight change and manipulate others to remove any risk of it will no longer be a problem if we deal with the unhealthy relationship that we have with money first.

We cannot break this pattern or one-way cycle, unless we all break the addiction that we have to living within the Money-Centric Paradigm and refuse to tolerate the behaviour and actions of others who refuse to accept that their greed and profiteering is hurting many more than it ever benefits, and that there is a much better alternative way.

If you would like to understand how big money uses the power and influence it has to unfairly and unjustly take control of industries and systems that are essential for life, please research the story of how the worlds supply of seeds to grow crops is now mostly under the ownership of just a handful of companies that use laws called patents in civil courts – that cost a lot of money – to control how the majority of the World’s agricultural and food crops are grown.

Breaking the Money-Centric addiction

To be rid of the addiction to Money and Money-Centric thinking requires understanding of what Money really is, why it is the problem that it is, and the effect that Money is having on everyone who is addicted – and will continue to have on everyone who is living in or experiencing the Money-Centric Paradigm, and will continue to do so, until The Paradigm Shifts and this results in The System being changed.

The chances are that you are already feeling a little prickly about the idea or suggestion that the relationship that you have with money is in some way wrong.

However, it is also likely that if you are a.) reading this book and b.) feeling prickly, you are ready to read further and to begin the process of understanding the role that money plays in society’s problems and therefore any addiction to the use of money that you may have.

You are likely to have a few moments of reflection where you think ‘That was obvious’, or ‘I already knew that, didn’t I?’

When you do, you’ll know that the rather horrid story of Money and the problems it causes everyone, are beginning to make sense.

There’s no better way to begin that journey by asking yourself a question that all of us should have been asking ourselves all along…

Where does money come from?

Please stop and think about this question for a moment, before you continue reading.

You may have just realised that we don’t think about money in any great depth at all. And the reason you don’t think very deeply about money is likely to be because of the myths that surround money.

The myths around money are paradoxical. Because the money myths are what make money work in the way that it does today. Yet at the same time, the money myths hide the way that money works in a way that stops the majority of us from even questioning things that ‘don’t add up’ about money.

But the truths about money are quite literally hiding in plain sight.

The simplicity of the money system is what makes it seem intelligent and intelligent people don’t question the money system because the way it works is literally too simple to believe

Understanding how money really works within the Money-Centric Paradigm is like going on a voyage of discovery, all of its own and in itself, and there is a risk that it will feel like going down a rabbit hole.

The simplicity of how the economic and financial system works around us is breathtaking in its simplicity. The principles which we all accept as being far more complicated than they really are.

This is what helps anyone who works within or who is benefitting from the way that money works to convince the rest of the world that money is not only real, but how it works is far too complicated for any normal person to understand, to question or get involved.

If you follow the news or current affairs, you will regularly hear newsreaders and commentators talking about National Debts in the Billions and Trillions of US Dollars and Pounds.

But this raises questions about where all that money came from first.

Most people think that the money we save is what banks then use to lend to other people and to businesses, when those people and businesses take out loans.

But where did the money come from that means Governments around the world can now be in Trillions of Dollars or Pounds in debt?

Did we all have that money in our hands or in our bank accounts to begin with?

Have big companies really earned all that money and then kept it in their bank accounts so that they have accumulated all that money so that it can be used to bail our governments out?

The answer – as you are probably beginning to realise, is that the money being used to accumulate all this debt, doesn’t actually exist.

The money we use, borrow and save, has been created by monetary and financial systems that are in private hands and not controlled by the government or the public they represent.

The fact that the money in the Money-Centric Paradigm is controlled by private, profit-making hands makes all the pain that is being inflicted on everyone because of money even worse.

So, yes, it is this same system that is used to ‘print’ or create the money that we all borrow and probably earn or maybe receive in benefits too.

Therefore, the money that runs everything is effectively being conjured out of thin air.

Money is nothing but a belief.

When we are led to believe in something that doesn’t exist and behave as if that thing is real, the reality is that we have been conned and are living a lie.

If you want to understand the money lie better, some of the best information on how the world really works is available for you to watch, listen to and read at your fingertips. You just need to ask the right questions and make sure that you check the credibility of either the sources and speakers or repeat the same process over and over a few times until you have listened to a range of different sources and are able to conclude what you believe to be the truth.

If you can, please avoid using AI for any research if you want to really understand how anything works, as you will never be sure if you are reading the truth, or the truth that someone else wants you to believe, if you do!

Why not give this video on YouTube a try to begin with: It’s called The Four Horsemen by Renegade inc. It’s now a decade old, but it will guide you to further questions and to finding all the answers that you really should know.

Money is nothing. Our problems exist because we treat Money as if it is the value in everything.

It’s not possible to write a book about an alternative way of living that doesn’t spell out some, if not all of the truths that exist around the way that we live right now.

Perhaps the hardest truth to accept about the Money-Centric Paradigm or system that we live and exist in today, is that wherever we are, whatever background we have and however we live our lives, money is the value that controls everything.

We value money as much as we do, because we have learned to consider money as being a thing.

Things actually exist. Things are food, cars, houses, electrical goods, clothes and there are many others.

But in the sense of how the world around us works, things are not symbolic. Things are not there simply to represent something different or something else.

Yet being a symbol of something or many other things is exactly what money is. And this rule applies no matter the form that it comes in, including the current forms of crypto, digital currencies or DeFi.

By making money a thing and by relating the value of everything to money, whether it is an hour’s worth of the skills we have learned given to our employer through work, the cost of the training or education that provided those skills, or the products or services that we make or sell, the intrinsic value of everything has become nothing, that is unless it can be translated into monetary value or into monetary terms.

When you value no thing, nothing will be of the greatest value.

And that’s why people or humanity have less and less value in the Money-Centric Paradigm today. Because the value of money and the accumulation of it, with the power and influence that comes with it has become more important than anything else.

The Practical use of Money

Whilst its real purpose may be disputed by those who have the most to lose from humanity learning to be honest with itself about the true value of money, money is a universal medium or tool.

Money was created to attribute a transferable value to goods and services that could then be exchanged for other non-related goods or services, universally.

Money isn’t a thing. Money is an idea or a concept.

Because money has traditionally been something that we could store, keep hold of or put away, the value of what money represented became subservient to the value of whatever we use it to exchange, with the value then being perceived as being the money itself.

The things that money is used to value will always have value, whereas money cannot hold value.

Because if money is not acceptable or not deemed equal to the value of whatever it is that we wish to exchange, the value of that money then reverts to zero or nothing, which is money’s real value or intrinsic form.

The Money-Centric Problem-Solving Trap

It would be possible to create a never-ending list of the problems that society faces. It would include all the problems that you could list, along with all the other problems that are relevant to the life experience of all the other people who are living and experiencing the Money-Centric Paradigm today.

Indeed, many great thinkers and writers have already written extensively and proposed different solutions, ways of running politics and government and methods that would allow us all to live differently. All with the aim of improving life for somebody somewhere, and more often than not, for the World’s most vulnerable and poor.

But they don’t work in the way they were intended.

In itself, the suggestion that somebody somewhere knows how to fix things shouldn’t be too hard to believe. However, when we look deeper and realise that there are probably as many solutions that come from the political left as the political right, as they do from anywhere that we could classify as sitting in between, the next question you might ask is ‘Why, in the 21st Century are none of these ideas working?’

To be fair, some of these solutions do work. But they only work in isolation and temporarily, which in this case might be counted over a duration of many years in time.

What all these solutions have in common – no matter how well constructed, or argued, is that they are all built upon the foundation of the Money-Centric Paradigm, which leaves every one of them fundamentally flawed.

Whilst it is possible and certainly provable that small-scale People-Centric projects not only exist, but in some cases also appear to thrive, their success will always be on a local level. And that success will almost certainly be dependent upon the drive, enthusiasm and continued input of the key people involved.

False Starts

Giveaway projects such as Universal Basic Income will certainly work on a localised basis too. Because the isolated area of operation means that any money being poured into them doesn’t have any real-term impact on the structure and function of the wider Money-Centric money system that is at work beyond the locality in which it is being tried.

For some people, a system that works for a community or even a town alone will be enough to prove that a project or idea works. Yet the isolation of that project will always question whether anything that doesn’t change everything for everyone affected by the same problems or issues in a fair, balanced and just way, can ever be said to work.

Temporary fixes are not enough, as the problem is still very much there, and will come back as soon as the commitment to keep the finger in the damn of what is every Money-Centric Paradigm based social problem at bay.

A Universal Solution must be a Solution that will work Universally

The only way that the problems society faces can be genuinely addressed on a permanent basis is to remove the foundation upon which all of the problems are built.

Nothing less than a complete switch from the Money-Centric Paradigm to a People-Centric Paradigm will succeed.

However, whilst this would ideally take in the entirety of the world immediately, the reality is that with the question of whether we can ever wholly divorce society from Money-Centric Values and Behaviours, it may be the case that a Societal Split will be the only practical way to proceed.

Universal Change or The Paradigm Switch may be delivered in two steps. The first stage being a two-tiered form of society, which will continue to exist until everyone is ready to fully commit.

Part 2: The New World, where everything works because People always come first

The Alternative ‘People-Centric’ Paradigm

Impossible as it may appear, an alternative Paradigm or ‘system’ exists that holds the answers or the solutions to all the societal problems that we have been looking for. And it’s been there for a very long time.

The reason that we haven’t adopted the alternative Paradigm or System, is that it relies on living life with a system of values that run in a completely different way to any under which a level of profit can be made.

A way of being that can ultimately only come to be beneficial to anyone through exploitation or by disadvantaging someone else.

This ‘People-Centric’, ‘Human’ or ‘Values-Based’ Paradigm or System could exist even now.

But to have and live within the truly People-Centric Paradigm will mean that each and every one of us has to accept and allow the system that governs everything in life to value every human being and what each and every one of us need for today, and for our tomorrow, in exactly the same balanced, fair and just way – no matter who they are, or what we believe any of them to be.

Voluntary Change: The different way available to us right now

The quickest, easiest and pain free way to adopt change is to do it voluntarily. And to adopt the change from the Money-Centric Paradigm to the People-Centric Paradigm, voluntarily, now.

This will literally mean the majority of us, and certainly everyone in a position of power or with responsibility, being required to immediately stop putting profit, themselves, or whatever drives them first. Instead, we must all prioritise people, relationships and everything that feeds and nourishes them first.

I do not doubt that many reading will react with thoughts such as ‘That sounds nice, but its totally unrealistic’, or very similar.

The reason for this resistance is exactly what has been alluded to in the part you are playing, earlier in this book. Where we discussed how addiction works and how those who are bought-in to that addiction cannot see the damage it does or how the situation can be fixed (because they don’t even know or accept that it needs to be fixed).

In isolation, no matter how well meaning and how well-thought-out solutions and new approaches to our societal problems may be, those solutions will not work in any way other than a temporary way – even if that temporary period is one that lasts for years.

Voluntary change can only become meaningful and deliver the experience that people and the World needs, if the level of change reaches a critical mass, or point where the majority of people, groups and organisations have rejected the Money-Centric Paradigm, and then adopted the People-Centric Paradigm instead.

Is Voluntary Change possible or is it pie in the sky?

The most difficult or challenging part of writing this book is to explain and attempt to make sense of the fact that voluntary change is now very unlikely indeed.

Many people will pay lip service to voluntary change, as they can see the benefits to other people.

The responses that come back in discussions outlining the content of this Book will be similar to ‘The world doesn’t work like that’, ‘It would mean everyone will be poor’, or ‘I’ll be on board when everyone else is.’

Because when it comes to the need for change, people soon realise that solving the World’s problems means that they will have to change themselves.

From this perspective, a voluntary change or switch from the Money-Centric Paradigm to the People Centric Paradigm we are now beginning to discuss here will certainly seem to be pie in the sky. And that’s pretty much why change of the kind that would really help everybody who needs it now, or for the future, is being held up.

However, the unwillingness to change is one thing. The unwillingness to accept that change may come whether we like it or invite it, is something else altogether.

Complexity of the System

Whilst there is an absence of willingness to move away from the Money-Centric Paradigm to change The System voluntarily, it is only fair to add that one of the most challenging barriers to ‘looking outside of the box’ for a solution, for many people, revolves around the issue of complexity.

When it comes to changing Public Policy, or the way that everything is governed by laws and regulations, the default setting for most of us is to take way things work or the mechanical aspects of government and the public sector at face value, without giving the matter any further thought.

‘It is what it is’, is a great way to summerise everything that’s wrong with public policy and governance.

But it also lacks any of the detail or more importantly, the understanding that is necessary to be able to see how public policy interacts with and is interconnected with other public policies. And also, not least of all, to be able to work through what the likely impact of changes to any public policy will be on what might be many different fronts – and then, how the people in each of those policy ‘locations’ will be affected and how they will feel about the change.

‘It is what it is’, is also an excuse in response to our unconscious recognition that there is nothing simple about what lies ahead – IF you make the decision to step on to the path of step-by-step change, within the Money-Centric Paradigm.

This is not an excuse in any way, shape or form. But for anyone serious about solving society’s problems with the voluntary support of others, it is essential to recognise how people think about the possibility of meaningful change, and the behaviors and excuses that are likely to follow, as soon as you mention what the first steps of change in that process are likely to be.

What happens if we do not change voluntarily?

The simple answer to this question is that without us making the decision to change voluntarily, the problems that society is experiencing will continue to get worse.

Many don’t see how bad the problems are and that the problems are getting worse, because they don’t want to see it.

But there is a direction of travel with everything and every problem that society has today, that only goes in one direction.

Leadership, innovation and creativity in solving problems and in improving the lives of others simply doesn’t exist within government, the public sector or within The System, under the Money-Centric Paradigm.

Whereas the firm belief that money is the answer to all problems most certainly does.

The reality we face is that politicians and decision makers will not take the gutsy and challenging decisions that the UK and the whole World needs. Because they are more interested in protecting whatever is important to themselves or the people who influence them, and so, are completely repulsed by the idea of risk – even when it is the responsibility of the roles they have taken, to do so.

There really is no silver bullet that can come from any of the politicians who are in power today or soon hope to be. Because all the things that motivate, drive and make these people tick are exactly the same.

If you would like to consider the difference between what politicians say and what they actually do when they gain power, the coming months in 2024 may be the perfect time. If you listen to what all of the Political Parties say or even promise as part of their manifestos as we head towards the coming general election in the UK, careful listening will show that there will be lots of ‘This is what we are going to do’, but other than nebulous suggestions such as ‘We will commit to spend £X Billions to do this’, it’s unlikely that any of them explain the mechanics of how any of the solutions they are promising will actually work.

PLEASE NOTE: That if any of them are called out for this and they suggest something like ‘we aren’t here to do the other party’s job for them’, do bear in mind that everyone seeking election is supposed to share one thing in common: Putting the needs of the electorate first. So, if any of them are doing that, it surely wouldn’t matter who comes up with and who delivers the solution, just as long as the solution is delivered in the shortest period of time!

Involuntary Change will happen if we do nothing:

The experience of life that we are having and the problems that society faces will get worse in ways that will be progressively more and more difficult to change. Because the infrastructure, tools and knowledge that we previously held for generations is being systematically destroyed, discredited or rubbished in the creation of myths.

Where destruction or relabeling isn’t possible, helpful knowledge is being systematically hidden from view so that humanity is losing sight of the basic ideas, thinking and ways of working that are necessary just for people to be able to survive and to look after themselves independently.

The arrival and exponential growth in our use and reliance upon Artificial Intelligence plays perfectly into these aims.

Humanity is falling into the trap of believing that progress is only one way, and that with technology and what it can do for each of us individually already, there is no way that we could ever go backwards again.

AI is the tool of deliberate dehumanisation

What feels like the overnight acceptance that our phones, computers and TVs have the answer to every question, covers up the dangerous reality that the supposed ‘quantum leap’ in technology that using AI ‘gifts us’, comes at the potentially massive cost to humanity of people surrendering or losing basic ability to think for themselves, with what is an essential human ability and survival tool therefore being lost.

If you cannot think for yourself, you cannot answer questions either. And the progressive switch away from every part of life that revolved around locality and human interaction, rather than communicating with everyone through a device of some kind has also meant that since we entered the most destructive phases of the Money-Centric Paradigm, the dehumanization of relationships has progressed just as steadily too.

If we do not rehumanise the relationships we have with everything and everyone that we know, we may only be a short time away from living lives that are controlled by and for the benefit of someone else, right down to the details of what we actually think.

The only relationship that we will then have with anything will be digital. There will not be any way that we can interact with people we are not supposed to, or even visit the world outside – IF there is no benefit to those controlling everything from us doing so.

No, it’s not a conspiracy. This is actually a real plan that is being implemented and acted out in plain sight by people who believe that they are different and therefore more important than anyone else.

The problem with any attempt to stop this happening is people are far too trusting of the people we elect, the people with all the money and all the people we see and hear from or about on any one of our screens.

Right now, because we are not changing the way the World works by making the decision to do so voluntarily, we are actually allowing the changes necessary to transform everything we know into this dystopian world to happen. And that change is happening now, as you read.

Changing without Choice:

We may not wish for it, and I certainly do not. But the change that is now required so that every human being has the ability to enjoy the freedom that can only come from being fully responsible for ourselves, might not be possible or even achievable, voluntarily, without enough people making that choice.

Indeed, it may only now be possible as the result of everything that we consider as being normal and that we take for granted, being utterly destroyed, for the change that is necessary, to happen at all.

Whilst it sounds very pessimistic, this reality puts into context just how selfish and self-centered mankind has become.

Very few of us could deny that we are obsessed with money, or that we are living unsustainably in any one of a multitude of ways.

But for as long as we still believe that this way of living is benefitting us in some way, we will refuse to see anything good in living more responsibly within the Money-Centric Paradigm. We certainly will not accept that there is an alternative way of living, that rejects the prioritisation of money in absolutely every way.

System Collapse

If we were to experience a definable collapse of the Money-Centric Paradigm, accepting that change is necessary might be easier than we currently think.

However, because so few of us are ready to accept that our resistance to voluntary change may lead to Change without Choice, nobody (other than ‘preppers’ or conspiracy theorists) are seriously thinking about how society and our communities will be able to function and provide even for the basic needs of the population such as food, water if and when that happens.

Change without Choice will create a power vacuum based on basic human and essential needs.

It is what fills that void – whether it be a rejig of everything that’s wrong with leadership today, people like conspiracy theorists with a revenge-filled agenda, or something that may look good but ends up being even worse – that should now be the biggest of our concerns.

Part 3: The switch to Values Based Living

Why Morality, Ethics and Frameworks for Life matter

No need to worry, I’m not about to go all biblical here. But it may sound like it, just for a moment or two.

The Ten Commandments have lessons to teach everyone that reach beyond the basic meaning that few could fail to understand – or dare I say agree with. That is, if all things in life were balanced, fair and just – as they really should be, and could be, IF we didn’t have to live and function in a world where some are taking much more than genuinely fair – whilst encouraging many others to approach life in exactly the same way.

We live in troubled times where the misinterpretation or reinterpretation of what great books say and mean are quite literally leading to the rules – or the frameworks for life – that they promote, being broken. And they are being broken in some of the most hideous of ways.

Where these great works and in this specific case, The Ten Commandments came from isn’t really the issue. Because it really doesn’t matter who said or wrote them not being ‘the right person’, having ‘the right platform’, or because we somehow managed to add them to a pile of other people or groups of people that we have no time for, or simply do not like.

It’s the message that matters. Not the voice that spoke it.

For instance, Thou Shalt not Kill is a really good rule to follow, not only because murder is a horrific crime to inflict upon anyone. But because of the impact that it will inevitably have on our own lives and the lives of the people around us too – even if it’s just down to the thoughts we have that nobody else might ever experience or see.

The one about envy (Thou shall not covet) is just as powerful in another way. Because of the blindness that we have to rational thinking, and what the lack of rational thinking can then lead us – often in the heat of the moment – to then go out and do.

No. Whatever the source or whoever the source of these basic and very powerful lines, the truth behind them is that they were crafted, written and initially shared by someone who was very wise.

The reality that we all face today, is that in the trouble world that we are all experiencing, we are in serious need of basic and clear rules like these that can be a guide or framework for life, that can not only put us all back on track but keep us all there too.

Life has no meaning today, because we value it with money and money has no meaning

Our values, value set or rather what we believe, form the basis of not only everything that we do, but everything that we experience and how we experience it.

Once you can see that it is not money that has value, but rather, it is whatever the money gives us access to that has holds the value – especially if money were no longer to exist, or you can imagine what it would be like not to have any money to spend, it is possible to understand that beyond being an idea, or perhaps a tool, money doesn’t have any meaning. Therefore, money shouldn’t be valued by anyone.

If others attribute value to something that doesn’t exist, what do we think about them?

The chances are that we believe them to be fools, stupid or perhaps even dangerous. Because their ideas and what they believe in could be a risk not only to themselves but to everyone else too. They are probably someone that we will be polite to but will otherwise do everything that we can to distance ourselves from or to avoid.

However, if you are a fool and you believe in the value of whatever it is that everyone else can see is dangerous or at best stupid, the chances are that you won’t see the situation any differently until your beliefs jump up, bite you and become painful to you in some way.

Because money does play such a significant, albeit deceptive role in our lives, even coming to terms with the technical reality that underpins the non-value of money itself may not be enough. Because we are emotionally tied to what money represents.

Imagine you live in a world where pretty much everyone has been duped into believing that money is real, but actually isn’t. That all the people you know have been conditioned not to question whether money is real or not, because when believing in money works for everyone, the pretend world everyone is in feels very good indeed, as long as the money keeps on working for them. Therefore, because most of the people you know or can see are living with the same beliefs about money, you accept that money must be real, and although your beliefs are making you more and more self-centered – to the point where you have little or no sympathy for anyone who falls outside of the group that has as much money as they need, you can’t see things being any different and don’t have any reason to fear that it could all end, the moment that money no longer holds any value and you then try to buy something with money that does actually exist?

The money influence in political idealism

Another reason that it is so difficult to see money in any way other than the way that the World today accepts it, is because it has become very easy for politicians to distract us from just how poor they really are by referring to money or ‘growth’ in just about everything that we do.

The obsession with money as the answer or the solution to every political problem, whilst also being the motivation behind all that today’s politicians do, is also hidden by what we believe to be the progressive, conservative or other political philosophies that supposedly define everything that political parties do. Yet the two ideas that seem to drive everything in politics today – that’s Socialism and Capitalism (Neoliberalism) have money built into just about everything they do.

Why Socialism, Neoliberalism and any other ism isn’t the silver bullet (no matter how much you like the Politician)

As I write in December 2023, there is much talk in the news of the UK’s Conservative Prime Minister Rishi Sunak being replaced by his Political Party, and of the next General Election which is generally considered most likely to be called for the early Summer or Autumn of 2024.

Politics in the UK today is regrettably very tribal. But within these tribes, two different ideologies dominate, even though for some people, they will not be recognised by name.

They are Socialism and Neoliberalism (Or what most believe to be Capitalism with a more modernised name).

Whilst Socialism and Capitalism (which has really been Neoliberalism since the removal of the Gold Standard in 1971) were clearly very different political ideas historically and were previously easily defined through analysis of the public policies that they espoused and implemented; such clear definition no longer exists.

The only discernible difference between the Political Parties that exist in the UK today is the language that they use to frame and promote the Neoliberalism that now drives and is common to them all.

Neoliberalism is a control-level obsession with money, overtly displayed as a fixation with the idea that the markets are much better stewards of everything than government could ever be.

The true purpose of Neoliberalism is also its greatest danger to Humanity.

To be successful, Neoliberalism requires constant growth of the volume of money in circulation. This in turn means that whilst newly created money is funneled towards those who are already rich, the value of everything owned by everyone else is constantly becoming less and this now means that the wealth divide is growing exponentially – which is why so many of us are now getting hurt.

The wealth divide is now so wide, that what we are now demonstrating to be the meaningless ideologies that the different Political Parties in the UK play around with can only dictate or influence the speed with which the lived experience of the masses continues to degenerate and get progressively worse.

Both Socialism and Neoliberalism are presented to the public as being the champions or causes of freedom. Socialism through the freedom to be equal with all things, where that equality is inevitably designed or defined by someone else, so is never really about equality at all. Neoliberalism, where freedom is presented as being the removal of the state or government from every part of life and the public sector with the inherent suggestion that market freedom can only benefit everyone. Whereas what that freedom really becomes is freedom for big money from law and restrictions, meaning that those with lots of money can increasingly control everything and everyone using civil law and the courts as if they have become the government itself.

The Neoliberalism pursued by politicians is nothing more than a dictatorship by private proxy that just creates misery, harm and poverty for the masses. It facilitates a System that doesn’t either represent or resemble anything like freedom at all.

If you can understand and accept that this is how the reality of the narrative really works, the only suggestion that I will add is that it will serve neither your own nor anyone else’s interests to feel angry about what the people we have elected have really been doing all the way along.

Politicians, public servants and people in the public eye are human too. It is simply amazing just how many of them don’t really see how they have also been played and as such, they have no real understanding of the damage that they genuinely do.

True Freedom is the ability of the individual to support and sustain themselves independently.

Surprising as it may sound, defining freedom and what freedom really looks and feels like is in no way as easy as any of us are likely to believe it should be.

As an example, we need look no further over the constant debate over what freedom of speech is or what it should be today, and how that debate is getting some of the most learned and intelligent people on the planet into trouble, just because someone, somewhere else is interpreting what that other person’s freedom of speech should look like, in some other way.

Genuine Freedom of Speech requires that any person should be free to speak, and do as they like, as long as what they say or do does not hurt or negatively affect the life or being of some other person or anyone else.

However, there is a difference between promoting ideas or thoughts and acting in a way that promotes only what you believe in or what you wish to do and sharing genuine or real truth.

Nobody has the right to hide from or to be protected from the genuine truth. Because to do so means that they are being allowed to promote ideas or thoughts or are allowed to act in a way that promotes only what they believe in or that they wish to do – no matter what the cost and impact of this may be upon others.

However, this equation or form of words only defines what freedom in our relationship with others and with the world outside of us should be. It doesn’t relate to real freedom or what we should recognise as being the genuine freedom just to be.

Basic Freedom IS The Freedom to Be

The Freedom to be, is what true freedom really is.

The Freedom to Be is the ability to be able to support oneself fully, and to remain happy, healthy, safe and secure, independently of any kind of help, support or the need to ask for it in what would be genuinely normal circumstances.

Basic Freedom or The Freedom to Be has never been so relevant today, in a World that is so self-obsessed and fixated with the self, that it has lost sight of how damaging and far reaching the implications for others of self-serving and selfish behavior can be.

The Freedom to Be requires care for our environment

Whether you agree with it or not, the myth that we live in an age where we can have whatever we want, if we have the money to buy it, is nothing more than an elaborate hoax or lie.

We may have been conditioned to believe that the price of what we want relates only to the value of money. But what this myth doesn’t tell us is that there is always a much bigger cost.

The cost of having the things that we want but don’t actually need costs the World natural resources that we didn’t need to use. By using what we don’t need, we will have unnecessarily reduced the sustainability of everything that’s left for generations in the future. Our behaviour will almost certainly have contributed to the process of climate change, whatever we argue to be the overriding cause.

The Freedom to Be for anyone requires the Freedom to be for everyone else too

The most pressing issue we face from the influence of the Money-Centric Paradigm is the cost of the dehumanisation of relationships.

For every bit of material wealth that any of us feel we have accumulated beyond what we genuinely need, we are taking something away from some person somewhere else and making just a normal life for other people something that is getting further and further away from being an experience that they can now financially afford.

However used to the terms ‘benefits’, ‘loans’, ‘grants’, ‘subsidies’, ‘charity’, ‘foodbanks’ and anything else that can be used to describe handouts or the help that is given or made available to anyone who may find themselves in need, there is nothing ‘normal’ or indeed ‘humane’ about being part of a community or country that considers it ‘normal’ for any of these things to continue to exist.

Every person has the right to Basic Freedom and that means every person must have the Freedom to Be.

Doing the right thing every time will put everything right.

How often do we think to ourselves ‘If I do this, I will then have the choice between doing this or doing that’, or ‘If I ask them to do this, they will then do this for me too’. Or, perhaps any question to ourselves like that, where the decision or choice that we are making in the moment, isn’t about only that one decision, but about something else that could happen or a choice that we then expect to be able to make, beyond?

It’s quite often, isn’t it?

The next question: ‘How often does it actually work out the way that you intended, especially when there was someone else or other people involved?’

Yes, things can work out. But if we are honest with ourselves, in this kind of situation, things don’t often work out as we might have expected – and in this sense it could as easily mean that things could work out better than we had expected, just as easily as the occasions when things don’t work out as well as we’d hoped.

The point here is that we only have control over the decision or choice that we make in the moment that we make it.

We don’t have any control over anything that happens next. Even when we are as certain as we could be of the immediate or following result.

The right thing for everyone

Our power or our point of power is quite literally in the present or in the precise moment when we are thinking about anything and are at the moment of choice.

So, if we make the choice or the decision that is immediately in front of us with a specific result in mind – whether it be to benefit ourselves or because we are trying to anticipate an outcome that in any series of events or choices, could be a number of steps down the line, we are not really exercising any control over that decision or choice in any way, shape or form.

In fact, whilst it may or may not become immediately apparent, by making choices or decisions subjectively, which is to move forward with a specific outcome or anticipated benefit in mind, the chances are that we either won’t experience the result that we intended, or will experience the intended result, but it will come with consequences or results that we had not made allowance for.

The best way for any of us to make decisions or choices that might have an effect on anything that will come into our experience beyond the moment we make any decision, is to always make that decision based on what is in the best interests of and considerate of everyone concerned – whether they are in the room or could only be affected by 6 degrees of separation of events – or even beyond.

Our habits become our truth

Making the right decision at every opportunity isn’t just a practice or good habit that will serve us all well.

The same experience that we will all have had when we just did what seemed right and then everything just seemed to fall into place and work out well for everyone concerned, is a habit that everyone should employ too – whether in a shop about to buy chocolate that is full of sugar, or manage a bank and are about to make a decision that will see the prices of everything everyone else needs to buy shoot up, just so they can make a bigger bonus when the end of  the financial year  arrives.

Making the right decision every time is a taste of what living in a values-based or people-centric way is really all about.

The funny thing is that when we think about it, values-based living is just as self-serving. The big difference is that when you do it for real and commit to the process, it is a way of approaching life that benefits everyone, not least of all ourselves.

The Right Thing is The Honest Thing

Perhaps the easiest way to consider what the right thing really is will be to treat it in the same way as being honest with the things that you say to others.

You may have heard the idea shared that one lie requires many others to cover its tracks, and that the way to make everything easy on yourself and never have to remember what you’ve said, when and to whom, is to always tell the truth.

You don’t even need to know everything. It is just requisite upon each of us to do the right thing based on what we know – to be honest with ourselves – and not let anticipation, second guessing or what we might like to happen get in the way of any decision, wherever or however it might be made.

Managing Fear

In amongst the mess of the World that the Money-Centric Paradigm has led it to become, the reality at work is that sitting beyond the worship and reverence of money itself is the rather serious problem that everything in the World is fear-led.

The fear of not having money, not having enough money, not being able to earn money or of losing what money we have, is the one that will be easiest for most to relate to, especially when we add the money-based power and influence that comes from financially related position that then works its way in.

However, fear is a much deeper issue for everyone, and in the form of the influence that fear has on all our lives, fear is the one true ruler of the world.

It doesn’t matter what context, subject or relationship we consider, fear of something sits at the base of it. We fear not having food or the essentials that we need, so we work. We fear not working because we will not have money for food and essentials. We fear that people won’t like us, so we change the way that we behave. We fear that we won’t be recognised because of what we are ‘worth’, so we do all we can to obtain and possess even more. We fear not doing what the group does because we might end up being rejected. We fear not being in a relationship, because something might happen that means we cannot function normally and will then be left on our own. When we have money, we fear not having enough to get the things that we want. And the list goes on indefinitely.

The problem is that fear is the basis of what creates problems, distrust and unnecessary misunderstandings between people, Especially when there is a discernable difference between us that means we cannot find comfort in the default belief that what looks the same as us, will think the same as us, will act the same as us, will do the same as us and will therefore BE the same as us.

No spiritual awakening, religious dogma or text will be required to show anyone that fear is the most destructive force that we have within humanity and across the Planet, even though it quietly rules the world.

If we were to all refuse to respond to or be led by fear, it would be the best form of revolution that the World could ever have.

Valuing People, Relationships, Community and everything that sustains us is a much happier life

Surprising as it may sound, people living hippy-lifestyles, in tune with nature, who are spiritual, who live in communes or express what many of them will argue to be a more-enlightened way of living, don’t have exclusive rights or access to the benefits and advantages that come from living a non-Money-Centric lifestyle or life.

Whilst few people exercise basic manners, care and consideration for strangers or people they pass in the street these days, it doesn’t take a massive effort just to smile or say hello and quickly realise what impact that approach can have. Both for others, but also more importantly for ourselves.

And that’s just being nice to people we don’t know, without anything else ever being involved.

Peace quickly equals happiness for those who live it, and I would urge you to try this for a while, no matter how anyone responds (and they may not immediately respond because they were not expecting you to do what you now do!).

A smile costs nothing

People will find it very hard not to smile back or acknowledge you, if you make a commitment to smile at everyone you see at the very least.

The natural progression from having manners and being polite is to be considerate of people we don’t know in all that we do, whether we will ever meet, see or speak to them in real life.

Consideration for consequence is a habit that pays dividends in peace of mind and in unseen ways from the moment that we are genuinely committed to it.

When we apply it to everything that we do, whether its socially, in the community or professionally, the impact for everyone and not least of all ourselves will be untold in a multitude of ways.

How we value happiness is the biggest problem that we have

What makes you happy?

A nice car, nice clothes, fancy holidays, expensive meals, big nights out, regularly going to gigs, being a public name, success, or something else?

Whatever it is, we can be reasonably sure that it will either have money or fear of some kind involved, and that begs the question ‘Are we really happy at all – if our happiness is dependent upon something that is either not in our power or outside of us?’

NEWSFLASH!

WE DON’T NEED THINGS OR EXPERIENCES THAT COST MONEY OR MAKE US DIFFERENT TO ANYONE ELSE TO BE HAPPY!!!

And this is the truth, no matter what anyone else tells you or leads you to think.

Genuine Happiness is a state of mind. Happiness is what we can also call or refer to as peace.

Peace comes to any one of us, without cost or without the need for credit, just as soon as worry of any kind is removed from our thoughts, and the challenge to demonstrate that we are different to everyone else, in whatever way that might have been has gone.

When we accept that we do not need money or possessions to be happy, material wealth and everything that goes with it no long has power over anything we experience or anything that we do.

The Devil is in the detail.

Being able to see how the ‘People-Centric’ Paradigm will work isn’t easy, even for the most educated and worldly wise amongst us, who walk and share the experience of this life.

The chances are that even now, you are already thinking about the ways that prioritising people over money, economics, or how the world works, really couldn’t and wouldn’t work. Even though you might think and even nod your head in agreement that it sounds like a good idea.

Everyone who is invested in the Money-Centric Paradigm will have a very practical reason of their own for it not working.

But like everything that appears to have meaning in this Money-Centric Paradigm, the reasons for not changing are all outside of us. They are all only surface deep, or a problem that someone else is responsible for – and therefore seem impossible to deal with, because the other people really aren’t going to do their bit.

All these are details or complications where good thinking gets bogged down and the excuses for not acting find their cause – even when we sense that things could be very different, were we to just take the necessary steps to look beyond.

Like the motives that created the Money-Centric Paradigm, the power of the will to find and accept these excuses are all about human nature and what happens when we aren’t really thinking about anything and may not even be aware that we are not controlling our own minds.

Regrettably, this means that the majority of us are unlikely to embrace change voluntarily.

But it also means that if circumstances were to demand that we change in a way that gives us no choice because of how World events might unfold, we would also need a set of very basic and clear rules that would keep that change on the better path.

Behind every cloud is a silver lining

Whilst One Rule Changes Everything has not been written with the intention of diving into the World’s religions or what the World and the experience of living and going through our lives is all about, anyone with sense will recognise that there are unwritten laws that not only exist but also find their way into our lives – with the wrapping of religious dogma historically having been one of those ways.

At the practical or material level, the World and every part of it is an ecosystem that is constantly working to maintain balance, even when the implications and impact of nature’s balancing act are hidden from view because the world is too big for us to witness all of it from any one place.

Human behaviour or the behaviour of Humans and humanity are also balanced by what I will refer to here as ‘Universal Laws’.

Universal Laws or the Laws of Nature mean that when humans abuse, manipulate or exploit the experiences of other humans to benefit or enrich themselves, and live and operate without the fear of doing so, the process can and will only continue for so long, before events or changes will occur that will result in the natural balance being reset or returned to an appropriate place.

This ‘Change without Choice’ may come in the shape of something terrible like a Third World War, the collapse of the Worldwide Financial System we have (and money as we know it), or perhaps a pandemic of a kind that cannot be controlled or tamed in any way by politicians, because they no longer have the luxury of abusing that choice.

Part 4: The role of rules and laws in Change

Where rules and laws go wrong

Although I used references to two of The Ten Commandments above, the reality is that although we know that these important but historic rules for life are really important, we have fallen into a trap of considering rules and laws as being relevant or applicable on the basis of who we are, what groups we belong to and what we believe, as opposed to who the supposed wrongdoers are, what groups they belong to and what they believe. All with the added dimension that those in positions of power and influence are now dictating how we should all react to rules, regulations and laws, based on who they qualify as being good or bad, according to whatever they believe.

To put the abuse of ‘interpretation’ of rules and laws into context – both in terms of having too many of them and then how you react to them, depending upon how you (or your representative) interprets them, one of the biggest red flags that we willfully fail to notice is the size and scope of both the legal and accountancy ‘professions’, where people have and still are becoming ridiculously wealthy from ‘interpreting’ or arguing over the ‘interpretation’ of laws and regulations that have become complex enough to seemingly justify the existence of entire industries, when the basic rules of fairness, balance and justice cry out that it should never have become this way.

Any rule or law that is open to interpretation is also open to abuse.

Creating a framework of rules that cannot be misinterpreted.

We discussed The Devil is in the detail earlier.

Our cultural mindset today is to be obsessive about detail.

Not in the sense that everyone is aware of every detail about everything that they or experience. They aren’t.

The Devil is in the detail because we do not even try to consider everything that is in front of us objectively. But instead, always look at the subjectivity of everything and have a tendency to go down every rabbit hole that appears from there.

Subjectivity is a trap door from seeing the bigger picture to getting bogged down in a particular viewpoint that more often than not will nether serve us, nor anyone else very well.

That trap door might also be known as being ‘open to interpretation’, and one of the reasons that laws and regulations are being abused in the way that they are in the Money-Centric Paradigm today is that they are deliberately vague, either to protect whoever wrote them or put them into being, or to allow them to be misused and manipulated by interests that have a lot to gain by using lawyers that very few other people or businesses could afford.

Changing to a situation where everyone can not only expect, but will always have an experience that is just, balanced and fair, demands that the very complex and unnecessary library of laws that we have that is open to such damaging and unnecessary abuse be replaced by new ones, in the simplest form and lowest number possible. And that of these new laws, the focus will always be upon the creation of framework rules or guidelines that cannot be deliberately misinterpreted, or where appropriate, they can only be defined further where there is benefit to them being so at a very local level.

The problem created by the interconnectedness of problems

In the concept of six degrees of separation, the idea is that everyone in the world can be connected socially to everyone else through no more than six different contacts. I.e. you know someone who knows someone who knows someone etc., and that this process repeated no more than six times would, in theory, enable you to reach any other person in the world.

Sadly, although it would be a very quick way for everyone in the world to start getting along, I’m not using the example of six degrees of separation to suggest that everyone could use this process to become overnight best friends. However, the idea of six degrees of separation does make it much easier to draw our focus to how every public policy, rule and law actually works, and that nothing the public sector does or none of the rules, laws or policies that our legislators and decision makers make should ever be thought of as being in isolation.

For instance, you cannot set a minimum or living wage and expect it to work if you do not consider what it costs people to live without help or support first. And you cannot be sure that the rate of that minimum living wage will be enough, if you cannot be sure of what any prices rises will be. You cannot be sure of what prices will be whilst prices are dictated by people in the financial sector who place bets to make money, with the result that they get big payouts, whilst the price of what it costs to live just goes up for everyone else. Unemployed people will not take jobs that don’t pay enough and therefore will not take them out of being dependent upon claiming benefits, because they have then got to work in a job that doesn’t value them as they should, and still get treated inhumanely by a system that judges everything based on what money or wealth-related background you’ve got.

You will get the idea if you stop and think about it. However, even this is a very simplistic overview and the degrees of separation between just one policy being created and changed and the number of other policies that the change will impact through degrees of separation will go way beyond 6 and if considered as thoroughly as it should be, is pretty much insane.

We will not need the complexity of laws that we have if people are considerate of the impact upon others and the community of everything they do.

What is more, a society that trusts itself and trusts others to ‘do the right thing’, doesn’t need rules and laws that govern everything. Especially when it’s the case – as we are experiencing within the Money Centric Paradigm now, that when so many rules exist that they are beginning to take over the way that everyone actually thinks, the rules that exist are there to be manipulated and abused by the very people who they had been created to stop.

Part 5: Change

The Paradigm Switch

Amazing solutions to the problems that people are experiencing today have been suggested and put on the table by some equally amazing minds.

However, the reason that none of the solutions that would make life better for people are working, they work only temporarily or on a very limited scale, is because the solutions being given are about people when the world, system or paradigm that we live, and experience today doesn’t work that way.

Everything in life today either revolves around or is focused upon the value of money. So, money is and only ever will be the solution to any problem, even when as far as the people in that equation are concerned, the money-based solution will never work.

To solve all the problems that society and the World has, we have no choice but to refocus and reprioritise all the things that are important in life.

These are the values, relationships, community, our environment and everything that exists locally to us, rather than being orientated around material wealth and the things that we could have.

Let’s quickly recap on where we are, and where we need to be:

The Money-Centric Paradigm =

Money, Profit, Material Wealth or Possessions and the Influence and Power that we believe it brings.

The People-Centric Paradigm =

Values, Humanity, Value of the Person, Rejection of Difference, Happiness just to be.

Ideally, enough people needed to create a critical mass will adopt the change voluntarily that will enable The Paradigm Switch.

However, because of the hold that the Money-Centric-Paradigm has on almost everyone, the chances are that it is only seismic change in the form of an event that changes everything, that would in itself precipitate The Paradigm Shift that is necessary to make this level of change possible, where The System will then work for us all.

The Pivot Point Rule

All well and good you might think. Or you might question ‘What does this have to do with changing the way the world works when we know it’s the politicians that we have, or how expensive everything is, or because of someone else’s prejudices?’, and so on.

The point is that one of the biggest problems that we have within the Money Centric Paradigm today and the way that we experience the world around us, is because somebody somewhere has already or is in the process of trying to create a law or regulation of some kind that basically removes the freedom for people in life and within the jobs they do, to think for themselves.

What the well-meaning fearful control freaks that create add law to laws for laws-sake don’t appreciate or value, is nobody alive today could possibly possess the understanding of every circumstance or situation that everyone else could experience. Because they would have had to share exactly the same experiences, feelings and emotions as that person, throughout their entire life (and every second of it) to be able to understand the though processes and reactions that make them think and then react in a certain way.

And if anyone did have this level of understanding, you can be sure that they would be comfortable enough in themselves not to feel the need to let anyone else know they were that enlightened, let alone feel the need to legislate and therefore take control of the decision-making processes for others, in any way at all.

The most important, yet challenging factor or requirement in the creation, implementation and maintenance of a New or People-Centric Paradigm, is trusting people to be able to make as many decisions about life as they can for themselves, with only a genuine, minimum-touch, but nonetheless powerful pivot rule or anchor for morality and ethics as a guide.

It would be a pivot or anchor rule, as by using it as the unbroachable guide to life and everything that people, businesses and organisations do, the decisions, rules and where necessary laws that then follow, would in turn fall in to place to ensure that People-Centric thinking and therefore living, would become the priority for and within all that everyone does.

The Domino Effect of the Pivot Point Rule

The simple way to visualise how The Pivot Point Rule will work is to think of it as being like a domino representing every conceivable law, rule or regulation being already stood up in a giant interlinking pattern with every other public-policy-representing domino.

The first domino will be the one that sets off the tumbling effect that brings contact between all and is therefore the most important.

Part 6: One Rule Changes Everything

The Basic Living Standard

The exact form of words doesn’t matter. But the one rule or framework that has the power to change everything for the better is the rule that will ensure that every person experiences Basic Freedom and is able to enjoy The Freedom to Be.

The One Rule would read or sound something like this:

“Adults, working a full working week in any job at any level, must be able to feed, house, clothe and provide adequately for their own transport needs, whilst providing basic necessities such as communication themselves, without the need for credit, loans, benefits or third-party support of any kind.”

This is called The Basic Living Standard.

The Basic Living Standard is a Pivot Point Rule and you can read more about it in my books Levelling Level and The People First ‘True Economy’ and The Basic Living Standard.

Money-Centric resistance to People-Centric thinking

The concept and mechanics of The Basic Living Standard is a subject that I have now discussed many times over, with everyday people, with friends, with business owners and with academics in a university setting too.

There are three veins of commonality that travel through almost all of the responses and discussions that I have had.

The First Truth of People Centric Thinking in the Money Centric Paradigm

Few fail to see the value of the right for everyone to be free in terms of having a law or rules that will ensure that even the lowest paid in society can support themselves independently.

The Second Truth of People Centric Thinking in the Money Centric Paradigm

Few believe that it could ever work, because they always think of such freedom as coming at too big a cost to other people in some (monetary) way.

The Third Truth of People Centric Thinking in the Money Centric Paradigm

Few will voluntarily commit to People Centric Thinking, for as long as the influence of the Money Centric Paradigm continues to exist.

That this is how people living within The Money-Centric Paradigm feel comes as no shock.

The real question for everyone is whether we have the ability and willingness to open our minds to the alternative way of living that will solve all of the problems that society has, simply on the basis of making the conscious and voluntary decision to change the way we think and therefor change our minds?

Part 7: The Future and What comes next?

Can we ever divorce from a values set based on Money?

The majority of people are completely bought-in to the Money Centric Paradigm.

If asked about the validity or functionality of a system which didn’t revolve around money at its core, the usual answer that you would receive is ‘it won’t work’.

Money isn’t something that we need. Although some of the things that we can use money to buy most certainly are.

We don’t get addicted to anything that we actually need. Because those things are necessary to sustain us, rather than what we want being only necessary to sustain who we believe ourselves to be.

Money is an addiction. And just like many of the addictions like alcohol and drugs that touch so many of our lives, it’s the addiction that is in control of the people who are addicted. No matter how well they are able to function or whatever it is they think.

It is certainly possible that circumstances could arise where money has no value. Because The System is destroyed and so the value of money no longer exists.

However, for as long as anyone lives who has been touched by the money addiction and still believes that the value of money at the centre of everything is something that genuinely works, there will be people who will push to have money and a money-centric paradigm, rather than one which is fair, balanced and just, and which works to the benefit of us all.

The Societal Split

Being realistic about the effect that the Money-Centric Paradigm has had on so many people, and how resistant a great many of us will be to any way of life that doesn’t mean we can have whatever we want and keep pushing others aside as we aim to accumulate more, means that even if through voluntary choice or as a result of unforeseen events, a majority of people are ready to make The Paradigm Switch, there will inevitably remain a good number who will want everything to return to being as it was for them, before.

Once people have experienced a better way of living and seen just how good and happy everyone can be when everyone’s needs are met through a system that puts People First, there is a reasonable chance that the two belief systems will result in people making a choice between living and committing to a People-Centric Paradigm, or returning to a Money-Based system – if they still believe it to be in their best interests and that remains their overriding choice.

Sooner or later, those benefitting from any kind of continuance of a money-centric paradigm will have no choice but to wrestle with the reality that their system can only continue with growing numbers of people who remain subservient or enslaved to it.

Once people realise that Money-Centric living is little more than a lie, there will be a commitment to the People-Centric Paradigm by enough people that Money-Centric dominance will never be brought back.

If this is the way that our future goes, it is quite possible that we will experience a Societal Split, where two different types of Society will emerge.

One version of humanity that is focused on People and another that is focused on the value of money, as it was before.

Federation For the Future

One of the greatest obstacles to voluntary change or progress is the way that we now choose to congregate or be a part of groups in our worldly lives, depending very much upon how we think about things within.

In many cases, a false sense of security and safety comes the moment that we either identify with a group or the ideas that a group have. For some, that ‘jump’ could literally come simply from hearing perhaps only a few words or lines that made sense or sounded like it had been spoken or created as a reference to our own experience or lives.

Emotional attachment to an idea or a group can be very dangerous for each of us on a personal level – just as many are finding out today, after unthinkingly voting for the same Political Party and their candidates at every election throughout their lives.

However, at a group level, or within what we might recognise online as ‘an echo chamber’, this unquestioning commitment to the first thing that makes sense of anything after we realise that everything that is supposed to, doesn’t, is not only a trap for us.

It means that entire swathes of our society have been entrapped by ideas that may seem very important when everyone we know or look up to is referencing them, but are at the same time making us blind to other ideas, facts, groups and people that we need to stop treating as if they are wrong, simply  because our own or the position of our group is what we believe to be exclusively right.

We all have much more in common than anything that divides us.

Yet we each fall into the trap of believing that the differences – that encourage fear – are far more important than anything else.

There is value in what everyone has to say.

This is no different in respect of groups and we have to learn to dismiss the prejudices that we have about groups and people, that are built not on hatred or anything that we should feel guilty about, but upon difference and the fear of anything that doesn’t appear, sound or feel like it is the same.

We do not need to agree on how we each live our lives in order for everyone to live together in a way that we agree on.

Groups will always exist. So, for a better way of living and life to exist for everyone, it is vital that we accept that we have differences between us, at group as well as individual level, so that we can again focus on the things that are important because we share them all between us, rather than fixating on the detail of what everyone else only thinks.

Community and Locality are going to be more important than ever in the future. If you would like to read more about these important areas of life where small changes for us will result in big change for everyone, please read A Community Route, The Grassroots Manifesto, Officially None of The Above and Our Local Future.