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Cowry Collective members participate in a time bank market, where products and produce can be exchanged for tokens, not cash, at the New Roots Urban Farm in St. Louis, Missouri. Tosha Phoenix

By Araz Hachadourian

When Chinyere Oteh welcomed her first child in 2009, she found herself in a predicament familiar to many new stay-at-home mothers: Stress was high, but money and time were short.

"I thought to myself, I can't be the only person trying to figure out how to have a healthy family life as well as make ends meet," Oteh said. That's when she remembered an article she had read on time-banking.

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