Millions of Americans are declaring financial sustainability, even if they don’t exactly call it that. After all, we can’t borrow our way out of debt.

We’re paying down or paying off credit cards. We’re getting rid of our mortgage or putting an extra payment toward the principal balance (which has huge cost savings advantages). Or we’re practicing other frugality rules. According to data from the Federal Reserve, the amount Americans owe on consumer loans and credit cards plummeted $21.6 billion in July of 2009 – the largest monthly drop in consumer debt since the Federal Reserve started to track it in 1943. The “cash for clunkers” will, no doubt, alter the outcomes for August and September, but the trend continues to be less appetite for debt, not more.

People are working to get the bankers out of our lives, demanding that we become someone other than a “consumer.” So while the Federal government continues to re-affirm their “wise” decisions to bailout bankers and big finance, Americans are choosing to fire their credit card companies and break their “death pledge” (aka mortgage) by paying it off early. Of course, there are also many Americans who are in so far over their heads that unfortunately, personal bankruptcy and home foreclosure are the only remedy.

I am, however, focusing on those who thrive in abundance, simplicity and sustainability when it comes to community, lifestyle and, yes, financial intelligence. As my wife and I write about in ECOpreneuring, you cannot have ecological sustainability without a large degree of social and economic equity. The ECOnomy is not about “free trade” but fair trade; it’s about commerce that restores the planet, not destroys it or exploits people.

You can join these financial freedom-seekers too, by practicing financial sustainability. As most of us intuitively recognize, the best things in life are free (or close to it).

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As it turns out, a new version of happiness is emerging based on relationships and connections to each other and nature, not all the goods found at the Mall. Many of us are choosing to live and work in a world where the economists (who presently dominate the national economy and national discourse) don’t matter.

The authoritative new book from Cecile Andrews and Wanda Urbanska, Less is More: Embracing simplicity for a healthy planet, a caring economy and lasting happiness (New Society, 2009), is just the right tonic for these topsy-turvy times. Side-step stress, don’t give into your fear, and thrive, instead, in a world of abundance where freedom and cooperation still reign.

My wife and I had a chance to peek at the advance galley of Less is More before it went to print and found Andrews and Urbanska masterful both in their prose and their ability to bring together an eclectic array of writers, thinkers and sustainability advocates who live in ways that echo what they write about.

Less is More is divided into three parts — simplicity defined, solutions, and policies — each containing short essays, analysis and inspiration from some of the leading sustainability, simplicity and community thinkers and doers. From Sarah Susanka discussing clutter and Robyn Griggs Lawrence’ tome on wabi-sabi time to Juliet Schor’s exploration of a carbon-friendly economy and David Korten’s treatise on caring and connecting, a diverse array of perspectives woven throughout Less is More illuminate why there’s greater freedom in having enough rather than always striving to have more and more. Writes essayist David Wann: “According to surveys taken by the US National Science Foundation for the past 30 years, even with the steady increases in income, our level of overall happiness has actually tapered off.” So what’s the economy for anyway, to support a bigger government or make a few really rich people richer?

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Everything should be made as simple as possible, but not simpler.
—Albert Einstein

Simplicity, simplicity, simplicity! We are happy in proportion to the things we can do without.
—Henry David Thoreau

We must live simply, so that others may simply live.
—Gandhi

Ah, the simple life. No worries, no responsibilities, it’s the stuff of dreams. But in today’s world, living is far from simple. Simplifying your life often seems like one more impossible task on your long to-do list. Even though common sense tells us that the most environmentally conscious life is a simple one, it’s much easier said than done.

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“Businesses and politicians have no part whatsoever to play in the solution: it is all about individual ‘non-civilians’.”

-Keith Farnish

The Sust Enable webcast series was spawned in a climax of understanding… years of myriad input and countless bits of information collected over time at once coalesced into one artistic, complex and beautiful vision.  I’ve never experienced anything else quite like it.  This is why I sometimes refer to the project as my “opus”–it artistically expresses and defines who I was before this period.  Who I will be after, too, is forever altered by the work’s creation.  Like giving birth to a living being, the act of creation transcends your own capacity to control it.

I can only imagine that Keith Farnish’s comprehensive A Matter of Scale was a similar labor of love.  One can sense the author’s own expressive burst in the feverish love with which he forms his ideas.

A Matter of Scale is an e-Book only; not yet a typical “print” book.  This could be for a number of reasons.  It could be the author’s environmental concerns of tree-felling for books.  Then, it could be the crux of his whole philosophy of taking personal responsibility for the actions affecting our global ecosystem.  But one thing is certain–A Matter of Scale is unpublished certainly NOT due to its lack of quality insight and urgent information.  For its own modest scale and scope, it packs a wallop.

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