Time Banking is a First Step
hOURWORLD SOFTWARE supports Inter-Trading between communities within each time bank that has this option turned on.
If you are already a member of a time bank that uses hourworld software, you will be able to access Hub-Om Time Bank through the inter-trading link.
If you are not yet a member you can join Hub-Om as a member or better yet, review the map and find the time bank nearest you. It will be easier to spend the credits you earn here at Hub-Om if you have local members to exchange with.