Wealth and Money
Money use to be such a simple thing. People use to trade items for other items that they needed. And in order to help facilitate that currency was created. Now with gold/silver stamped coins people could trade items for value without having to receive something they didn't find as valuable. Our wealth was dependent on how many coins you had. To help insure your money banks where formed. They kept your coins safe while also allowing people to buy things with money they didn't have. They just needed to go into debt with the banks.
Things quickly started to get more complicated from there Banks/Credit/Debt. And all that was before advancing technologies such as the internet with electronic transfers, interest rates, credit limits. This wealth system is an attempt to simplify managing money and wealth while still representing some of the complicated aspects of economy without compromising game play and story telling.
All things revolve around Credit. Credit is two fold. It sets your monthly Budget and it also tells you your loaning power. You also have Bonus Income. This income comes from things outside your profession and can provide a temporary boost too your Credit rating. Budgets show how much money you can spend in a one month time frame. You can also choose to save your income and add it to your Bonus Income with a DC check of 1d20 + Wisdom Modifier and your score will depend upon the amount saved. Review the chart titled "Saving" for more information.
The credit rating tells how much your budget is. It can start at 0 and mean you have no budget no spare cash to afford anything. It also means you cannot buy anything on loan. The only money you may have it whats on you or in other words your Bonus income. At a Credit score of 1 you have $250 IGC (Inter-Galatia Currency) a mount as a budget. And for ever point higher you had an additional 250 points.
| Credit Rating | Budget |
|---|---|
| 0 | $0 |
| 1 | $250 +250 |
| 2 | $500 |
| 3 | $750 |
| 4 | $1000 |
| 5 | $1250 |
| 6 | $1500 |
| 7 | $1750 |
| 8 | $2000 |
| 9 | $2250 |
| 10 | $2500 |
| 11 | $3000 +500 |
| 12 | $3500 |
| 13 | $4000 |
| 14 | $4500 |
| 15 | $5000 |
| 16 | $5500 |
| 17 | $6000 |
| 18 | $6500 |
| 19 | $7000 |
| 20 | $7500 |
| 21 | $8500 +1000 |
| 22 | $9500 |
| 23 | $10500 |
| 24 | $11500 |
| 25 | $12500 |
| 26 | $13500 |
| 27 | $14500 |
| 28 | $15500 |
| 29 | $16500 |
| 30 | $17500 |
| 31 | $19000 +1500 |
| 32 | $20500 |
| 33 | $22000 |
| 34 | $23500 |
| 35 | $25000 |
| 36 | $26500 |
| 37 | $28000 |
| 38 | $29500 |
| 39 | $31000 |
| 40 | $32500 |
| 41 | $34500 +2000 |
| 42 | $36500 |