There is a single Economy System for all our settings to use on Vaxia.org. It's a way to play out financial growth of a character without having to spend a lot of time on budgets and accounting. The system is simplified, it uses a universal currency, silver, to track financial gains and losses. All in game currencies translate back to the silver value of the economy score.
The economy level is a numeric stat representation the total amount of assets and income that a character has at their disposal. This stat is meant to reflect a character's overall lifestyle. It can be found by going to the Sheet tab on the character sheet and then is under the Economy Details section.
The economy level works on a similar scale to the other Stats on a sheet. A score of 25 is a representation of average wealth.
As a new character begins their career, they start with an economy level of 25. They can afford an *average* lifestyle. This means a starting character has clothes, food, and a basic place to live. They may be in a small apartment, they might not wear brand clothing, and they might not eat out too often but their basic needs are met and they aren't homeless.
Keep in mind that the economy level is not a reflection of social status, it is for finances only. Social status is handled via the reputation and ranks system.
See also: Economy Level and Wealth Level Representation
Disposable Monthly Income and Pay
Characters are assumed to be constantly earning some sort of living. Some of them do it through adventuring and some through more mundane jobs. The system will award characters a percentage of income - daily pay - based off of their current economy level.
While your Economy levels is a representation of the lifestyle your character is able to live the disposable income is the leftover silver. The 'spare change'. This is the spare silver you can use to invest to improve your economy or directly spend on items without lowering your economy.
It is important to note that the system assumes that unspent money earned from the daily pay system will be invested. If for some reason a character has more free silver on their character sheet than their Disposable Monthly Income will allow for - the Daily Pay System will not award new silver but instead remove silver until the silver total is again below the Disposable Monthly Income.
There are two ways a character can improve their economy level:
- Invest Silver that is earned as rewards for adventuring, crafting, or their spare silver.
- Gain IC Employment - Full time positions can often be found through the city guard, in various restaurants and inns, or through several mercenary guilds. These positions are sometimes listed in the forums or can be requested after and then role-played out accordingly. Ask on the SH request forums for an A/SH to run a recruitment session for you.
A Character can not gain no more then a +15 bonus to their Economy Score from IC Employment no matter how many jobs they may possess.
For more information see: Recruitment Sessions
Keeping IC employment often involves spending time working. A character is thought to maintain their career as long as long as the character spends a reasonable amount of time role-playing out their career. On average that may be considered at least one experience point worth of posting a month, though some jobs may have certain requirements to be met. Be sure to pay attention else your character may lose their job.
Following the Fairness principle on the site: Players should only need to spend silver on items that provide a some kind of bonus in the game setting.
That's why we're not going to track every tiny bit of silver spent by your character on rent, food, or similar life style needs. Those are already covered by the Economy stat.
That said, your character may want to buy fine noble's clothing (fine enough to provides a bonus in social interactions), or you may want to purchase weapons and armor that make you more effective than a player that hasn't spent silver. If you don't currently have enough silver on hand, the system will automatically allow you to cash out your Economy levels in exchange for silver. At least until you're out of Economy levels to cash out with.
The item shop on your character will provide a list of things already approved for your character to purchase. To get more custom items post the request on the appropiate SH Request forums Vaxia Requests Sirian Requests
Weapons in the item shop are free, this is not a bug, it is on purpose. With the weapon class system, weapons are balanced against each other. Charging players different silver amounts for the same benefit or flavor in game isn't fair. We've specifically set *basic* weapons as free because they are considered to be part of the lifestyle of a character with a weapon skill. However weapons with bonuses beyond just their plain ones have a cost determined by the value of the bonus provided.
Player to Player Sales
Economy Levels account for the day to day dealings of characters with non-player characters. For example, a business owning character’s economy level reflects all the sales that are made between themselves and NPCs. The economy level does not nclude the sale of items in player to player transactions.
Player to player transactions need to be arranged with a Story Host. Silver is directly taken from the character making a purchase and rewarded to the character making a sale. In the case of an item sale the item is then transferred from one character sheet to another.
Q. My economy level is too high for my character and I don’t know how to get it down!
A. Like 'taking a one' for your character's Appearance your character doesn't have to make use of their Economy stat. The Economy stat is simply a reflection of how well they could choose to live if they decided to. Just like the Appearance stat is how well they would clean up if they choose to, you can always choose to have your character slum it.
Q. Why is it IC for my characters to lose money if I don’t invest it? Can’t I save it?
A. Investing is how you save it. Putting silver into your economy level is the same as putting it in the bank rather than in your mattress. If you don't make the conscious choice as a player to invest your spare silver, it will slowly bleed off until it reaches your monthly income level again.
Q. If my character wanted to loan someone 5000 silver, would it take it from my Economy Level?
A. Yes, if you don't have 5000s on hand in uninvested silver. Your Economy level would drop to represent that your wealth is somewhere else at the moment. However, when they pay you back your Economy would rise back up.
Q. What's that decimal point doing in my Silver total? (IE: 200.6)
A. Think of it as spare change - as in IC copper or pennies. The math for the daily pay system just doesn't work out to easy non-decimal numbers, but we wanted to be sure players knew exactly how much silver they had.
Q. I invested 200 silver and my Economy Level went up 3 points, but it says I only have 16 invested silver. What happened?
A. That 'Silver Invested' note references just the silver put toward the given economy level you're at. When you invested 200 silver and raised your economy level 3 points, you had 16 silver left over that was automatically invested toward the next economy level. You haven't lost anything you invested.
Q. How does my Economy Level work in Sirian?
A. Exactly the same! Sirian uses Silver as the base currency as well. So your Economy level means the same thing in Sirian as it does for Vaxia.