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consolidated:campaignsystem:economy [2026/07/31 20:32] – johnbconsolidated:campaignsystem:economy [2026/07/31 20:40] (current) – [Poor] johnb
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 **This Implies** **This Implies**
-  * Any Common Room (Not just those in Taverns) can house a few commoners. +  * Any Common Room (Not just those in Taverns) can house a few commoners. ++Note|(I am going to use five as a suitable number of residents)++
   * Most Commoners can earn enough to pay their rent, regardless of the skills that they have.    * Most Commoners can earn enough to pay their rent, regardless of the skills that they have. 
   * Most commoners will have skills relevant to the environment they live in.    * Most commoners will have skills relevant to the environment they live in. 
   * They don’t live in houses with bedrooms, bathrooms, kitchens etc, however they can find some privacy and shared facilities.    * They don’t live in houses with bedrooms, bathrooms, kitchens etc, however they can find some privacy and shared facilities. 
   * With no Kitchen, cooking is limited.  Traditionally (in RL) many used take ways in towns and cities.  But some ‘Down Hearth’  style cooking might be available in a small fireplace, or over a brazier, for some residents.   * With no Kitchen, cooking is limited.  Traditionally (in RL) many used take ways in towns and cities.  But some ‘Down Hearth’  style cooking might be available in a small fireplace, or over a brazier, for some residents.
-  * Clothing will  be a combination of elements from the 1gp ‘Outfits’ from the Equipment section -  but clearly second hand, patched and rarely matching.   ++Note|(In Victorian London, this sort of second hand clothes business was known as ‘Shoddy’).+  * Clothing will be a combination of elements from the 1gp ‘Outfits’ from the Equipment section -  but clearly second hand, patched and rarely matching.   ++Note|(In Victorian London, this sort of second hand clothes business was known as ‘Shoddy’)++.
  
-Average (10 gp/month: The PC lives in his own apartment, small house, or similar location—this is the lifestyle of most trained or skilled experts or warriors. He can secure any nonmagical item worth 1 gp or less from his home in 1d10 minutes, and need not track purchases of common meals or taxes that cost 1 gp or less. +==== Average ==== 
-Which works out at a daily wage of a Trained Hireling - 3sp/day.  In other words, ‘the typical daily wage for mercenary warriors, masons, craftsmen, cooks, scribes, teamsters, and other trained hirelings. This value represents a minimum wage; many such hirelings require significantly higher pay.’  + (10 gp/month: The NPC lives in his own apartment, small house, or similar location—this is the lifestyle of most trained or skilled experts or warriors. He can secure any nonmagical item worth 1 gp or less from his home in 1d10 minutes, and need not track purchases of common meals or taxes that cost 1 gp or less.  Which works out at a daily wage of a Trained Hireling - 3sp/day.  In other words, ‘the typical daily wage for mercenary warriors, masons, craftsmen, cooks, scribes, teamsters, and other trained hirelings. This value represents a minimum wage; many such hirelings require significantly higher pay.’ 
-This Implies +
-Most Commoners can earn enough to pay their rent, regardless of the skills that they have. \\ +
-Most commoners will have skills relevant to the environment they live in. \\ +
-They live in homes with some private rooms, but probably don’t have dedicated bathrooms, kitchens etc. // +
-With no Kitchen, cooking is limited.  Traditionally (in RL) many used take-a-ways in towns and cities.  But some ‘Down Hearth’  style cooking will probably be available in a small fireplace, or over a brazier, for some residents. // +
-Clothing will be a combination of elements from the 1gp ‘Outfits’ from the Equipment section - bought new, and perhaps more than one set. //+
  
-That covers most NPCs. +**This Implies** 
-While it is arbitrary, for my planning purposes, I am going to treat Level-1 Unskilled commoners (no ranks in Craft or Profession) as earning 1sp/day, Level-1 skilled commoners (1 rank in a Craft or profession) as earning 2sp/day, and any other Level-1 NPC class as earning 3sp/day. +  * Most Commoners can earn enough to pay their rent, regardless of the skills that they have.  
-That leaves much of the population with a similar sort of living standard, and able to relate to each other. +  * Most commoners will have skills relevant to the environment they live in.  
-The Lower Middle Classes +  * They live in homes with some private rooms, but probably don’t have dedicated bathrooms, kitchens etc. 
-NPCs who get to level-2 or 3 start to earn more and live in better accommodation.  These are liable to be Master Crafters, skilled professionals, mercenaries, elite soldiers, NPCs with character classes or very minor aristocrats - and will be found in, or around, towns, rather than the countryside.   You aren’t liable to find a masterwork costumier, sword smith, jeweller (etc) in a village that is miles from anyone with money.  Local lordlings, retired adventurers, managers of large farms, quarry managers, etc, are the exception and will be found in the countryside. (Remember this deals with NPCs, rather than PCs).   +  * With no Kitchen, cooking is limited.  Traditionally (in RL) many used take-a-ways in towns and cities.  But some ‘Down Hearth’  style cooking will probably be available in a small fireplace, or over a brazier, for some residents.  
-These guys will start to have the facilities and options delineated in the downtime buildings section -  and may even have live-in servants and guards attending to their needs.   However, the detail isn’t important, unless you want your PCs to ‘adventure’ inside their home.  Then it is a bespoke battle map …  (that includes all the things you need for the scenario)+  * Clothing will be a combination of elements from the 1gp ‘Outfits’ from the Equipment section - bought new, and perhaps more than one set.  
 + 
 +**That covers most NPCs.** 
 +While it is arbitrary, for my planning purposes, I am going to treat Level-1 Unskilled commoners (no ranks in Craft or Profession) as earning 1sp/day, Level-1 skilled commoners (1 rank in a Craft or profession) as earning 2sp/day, and any other Level-1 NPC class as earning 3sp/day.  That leaves much of the population with a similar  living standard, and able to relate to each other. 
 + 
 +==== The Lower Middle Classes ==== 
 + 
 +NPCs who get to level-2 or 3 start to earn more and live in better accommodation.  These are liable to be Master Crafters, skilled professionals, mercenaries, elite soldiers, NPCs with character classes or very minor aristocrats - and will be found in, or around, towns, rather than the countryside.   You shouldn't expect to find a masterwork costumier, sword smith, jeweller (etc) in a village that is miles from anyone with money.  However, Local lordlings, retired adventurers, managers of large farms, quarry managers, etc, are the exception and will be found in the countryside. (Remember this deals with NPCs, rather than PCs).  
 +  
 +These guys will start to have the facilities and options delineated in the downtime buildings section -  and may even have live-in servants and guards attending to their needs.   However, the detail isn’t relevant, unless you want your PCs to ‘adventure’ inside their home.  Then it is a bespoke battle map …  (that includes all the things you need for the scenario) 
 + 
 +==== Beyond That ====
  
-Beyond That 
 Any NPC who makes a cost-of-living contribution higher than (about) 20gp a month is almost certainly a character with a bespoke character sheet, bespoke home, bespoke job etc etc.   So doesn’t really impinge on NPC living conditions. Any NPC who makes a cost-of-living contribution higher than (about) 20gp a month is almost certainly a character with a bespoke character sheet, bespoke home, bespoke job etc etc.   So doesn’t really impinge on NPC living conditions.
  
-Wealthy (100 gp/month): The NPC has a sizable home or a nice suite of rooms in a fine inn. He can secure any nonmagical item worth 5 gp or less from his belongings in his home in 1d10 minutes and need only track purchases of meals or taxes in excess of 10 gp.+==== Wealthy ==== 
 + (100 gp/month): The NPC has a sizable home or a nice suite of rooms in a fine inn. He can secure any nonmagical item worth 5 gp or less from his belongings in his home in 1d10 minutes and need only track purchases of meals or taxes in excess of 10 gp.
 This is one wealthy and very influential NPC.  Probably an Expert, Aristocrat or with PC classes. This is one wealthy and very influential NPC.  Probably an Expert, Aristocrat or with PC classes.
-Extravagant (1,000 gp/month): The PC lives in a mansion, castle, or other extravagant home—he might even own the building in question. This is the lifestyle of most aristocrats. He can secure any non-magical item worth 25 gp or less from his belongings in his home in 1d10 minutes. He need only track purchases of meals or taxes in excess of 100 gp.+ 
 +==== Extravagant ==== 
 + (1,000 gp/month): The PC lives in a mansion, castle, or other extravagant home—he might even own the building in question. This is the lifestyle of most aristocrats. He can secure any non-magical item worth 25 gp or less from his belongings in his home in 1d10 minutes. He need only track purchases of meals or taxes in excess of 100 gp. 
 It would be better to say, “This is the lifestyle of most Nobles.”   To avoid confusion with low level NPC-Aristocrat-Classes.  It would be better to say, “This is the lifestyle of most Nobles.”   To avoid confusion with low level NPC-Aristocrat-Classes. 
  
consolidated/campaignsystem/economy.txt · Last modified: by johnb