Living without money (Heidemarie Schwermer) - A real story


Truth feeder
How free are we in our relationship with money?
Is it possible to feel rich without possessions?

Background Heidemarie Schwermer
Heidemarie Schwermer (67) worked for many years as a psychotherapist and teacher in Dortmund, Germany. Like most people around her, she spent most of her time working and earning money in order to buy the things she needed - and things she didn’t really need. As a psychotherapist she met many who were depressed and frustrated, over-worked and with very little spare time. Among the unemployed and poor she found that they often considered themselves worthless.

Heidemarie got the idea to start an exchange circle, where people without money could trade objects and favors. Through the exchange circle people came in contact with each other in a new way. They felt useful and worthy, and also appreciated the social aspect. After a while, Heidemarie decided to do an experiment. She cancelled her flat, donated all her things to friends and started a new life based on exchanging favors – without the use of money. Her goal was to create a greater awareness of the relationship to money and consumption.

At first she stayed with friends and acquaintances, took care of their houses when they were away for holiday or journeys and in return she received food and a place to live. Over the years, she has inspired the start-up of exchange circles throughout Germany. She wrote a book about her way of life, and the word about her lifestyle has spread. Today, she has lived without money for 12 years, and claims she has never felt so free. In the film ”Living Without Money,” we follow Heidemarie in her daily-life and learn about her life story and philosophy.


Happy 69 Year Old Lady Has Not Used Money For 15 Years

" Heidemarie Schwermer, a 69-year-old woman from Germany, gave up using money 15 years ago and says she’s been much happier ever since.

Heidemarie’s incredible story began 22 years ago, when she, a middle-aged secondary school teacher emerging from a difficult marriage, took her two children and moved to the city of Dortmund, in Germany’s Ruhr area. One of the first things she noticed was the large number of homeless people, and this shocked her so much that she decided to actually do something about it. She had always believed the homeless didn’t need actual money to be accepted back into society, only a chance to empower themselves by making themselves useful, so she opened a Tauschring (swap shop), called “Gib und Nimm” (Give and Take).

Her small venture was a place where anyone could trade stuff and skills for other things and skills they needed, without a single coin or banknote changing hands. Old clothes could be traded in return for kitchen appliances, and car service rendered in return for plumbing services, and so on. The idea didn’t really attract many of Dortmund’s homeless, because, as some of them told her to her face, they didn’t feel an educated middle-class woman could relate to their situation. Instead, her small shop was assaulted by many of the city’s unemployed and retired folk eager to trade their skills and old stuff for something they needed. Heidemarie Schwermer’s Tauschring eventually became somewhat of a phenomenon in Dortmund and even prompted its creator to ask herself some questions about the life she was living.

She started to realize she was living with a lot of stuff she didn’t really need and initially decided not to buy anything else without giving something away. Then she realized how unhappy she was with her work and made the connection between this feeling and the physical symptoms (backache and constant illness) she was feeling, so she decided to take up other jobs. She began washing dishes for 10 Deutchmarks an hour, and despite many were telling her things like “You went to university, you studied to do this?”, she felt good about herself, and didn’t feel like she should be valued more because of her studies than someone working in a kitchen. By 1995, the Tauschring had changed her life so much that she was spending virtually nothing, as everything she needed seemed to find its way into her life.

So in 1996. she took the biggest decision of her life: to live without money. Her children had moved out so she sold the apartment in Dortmund and decided to live nomadically, trading things and services for everything she needed. It was supposed to be a 12-month experiment, but found herself loving it so much that she just couldn’t give it up. 15 years later, she still lives according to the principles of Gib und Nimm, doing various chores for accommodation in the houses of various members of the Tauschring, and loving every minute of it. Schwermer has written two books about her experience of living without money and asked her publisher to give the money to charity so it can make many people happy instead of just one. She’s just happy being healthier and better off than ever before.

All of her belongings fit into a single-back suitcase and a rucksack, she has emergency savings of €200 and any other money she comes across, she gives away. Heidemarie doesn’t even have health insurance as she didn’t want to be accused of stealing from the state, and says she relies on the power of self-healing whenever she gets a little sick."

100th Monkey

New member
Re: Happy 69 Year Old Lady Has Not Used Money For 15 Years

Living without money would be harder outside of a city, because of garbage and abandoned buildings and such.
Is she really living without money or are other people just paying her way. In the video above people are sending her tickets, to go stay with them? I assume they feed and helper with tier money??? Wouldn't that be a freeloader???

I would be interested to learn more....


Re: Happy 69 Year Old Lady Has Not Used Money For 15 Years

I think that what the people are trying to say when they are interviewing Heidemarie Schwermer in the trailer. I does look as if this women is living of other people, If i get a change to watch I will post another comment on it.


I am merging these threads as they are concerning the same women, Heidemarie Schwermer. Fascinating story! If only we all could live without money!!