Cost of Living

Lifestyle expenses provide you with a simple way to account for the cost of living of your characters.  They cover your accommodations, food and drink, and all your other necessities.  Furthermore, expenses cover the cost of maintaining your equipment so you can be ready when adventure next calls.  

At the start of each month, choose a lifestyle from the Expenses table and pay the price to sustain that lifestyle.  Your lifestyle might change from one period to the next, based on the funds you have at your disposal, or you might maintain the same lifestyle throughout your character's career.  

Your lifestyle choice can have consequences… Maintaining a wealthy lifestyle might help you make contacts with the rich and powerful, though you run the risk of attracting thieves.  Likewise, living frugally might help you avoid criminals, but you are unlikely to make powerful connections.

The expenses and lifestyles described here assume that you are spending your time between adventures in town, availing yourself of whatever services you can afford – paying for food and shelter, paying townspeople to sharpen your sword and repair your armor, and so on.  Some characters, though, might prefer to spend their time away from civilization, sustaining themselves in the wild by hunting, foraging, and repairing their own gear.  Maintaining this kind of lifestyle doesn't require you to spend any coin, but it is time-consuming.  If you spend your time between adventures practicing a profession, you can eke out the equivalent of a poor lifestyle.  Proficiency in the Survival skill lets you live at the equivalent of a comfortable lifestyle.

Lifestyle Base Cost Per Month Random Monthly Costs
Wretched 30 cp 2d10 cp
Squalid 30 sp 2d10 sp
Poor 60 sp 4d10 sp
Modest 30 gp 2d10 gp
Comfortable 60 gp 4d10 gp
Wealthy 120 gp 8d10 gp
Aristocratic 300 gp 20d10 gp
  • Wretched: Exemplified by homeless beggars or squatters.  They usually beg or steal food for their meals most days – only paying their few coppers when absolutely necessary for survival.  Their clothing is usually tattered rags recovered from discarded waste or stolen from clotheslines.
  • Squalid: Exemplified by dock workers, ladies and gentlemen of negotiable affection, or people who work different odd-jobs every day.  They usually live in slums where multiple families pack into one squalid shack, and must watch their coin purse closely if they want to afford a meal every day.  Cheap alcohol is a luxury for them, and their yearly outfits are usually bought second-hand.  Many of these people live with incomes supplemented by the generosity of their local churches, or the donations of wealthy nobles looking to garner popular support.
  • Poor: Exemplified by farm hands, common laborers, soldiers, or apprentice artisans.  They generally live in a flop house or common hall, and eat at least one meal every day – even if they can only enjoy meat once a week if they're lucky.  This does not, however stop them from drinking at least one mug of ale every night after work.  They can usually afford only one set of clothes per year, and it quickly becomes worn and grubby from their hard lives.  Most try to pay a small tithe to a local church, as well as the poll tax.
  • Modest: Exemplified by free farmers, store proprietors, military officers, clerks, or skilled artisans.  They usually eat two or three meals per day, and enjoys meat most days as well.  They can afford to drink a couple mugs of ale every day.  Usually they buy only one set of new clothes per year, and thus their clothing is well-worn, but clean.  They make regular contributions to the local church and pay taxes.
  • Comfortable: Exemplified by estate farmers, lawyers, merchants, master artisans, or priests.  They are able to eat quality food every day, and can afford to drink ale or wine every day as well.  They often have at least one domestic servant and probably stables a personal horse at the city-gate for travel.  They can afford at least one new set of clothes per season, and can also afford to ensure that their clothing is always clean.  They make generous contributions to local churches and pay property taxes for any buildings or plots of land they own.
  • Wealthy: Exemplified by successful merchants and minor nobles.  They can afford to eat large and varied meals every day, and drink bottled relatively expensive wine and spirits with their meals.  They usually have a small staff of servants, some of whom are highly trained.  Many of these individuals even employ at least one bodyguard to fend off robbers, assassins, beggars, or all three.  They stable a horse on their own property, and can buy and maintain new clothing every month – along with a large collection of jewelry.  These individuals are major contributor to local churches, and pay a fairly high rate of property taxes.
  • Aristocratic: Exemplified by internationally successful merchant princes or powerful nobles.  They eats exotic foods and can throw large banquets for their friends and family – consuming copious quantities of the finest spirits in the process.  These individuals employ a large staff of servants and bodyguards, and has a stable full of animals.  Their wardrobe is large and elaborate, and some may never wear the same outfit twice.  They are major contributor to all the local churches and charities, and pay exporbitant property taxes on their vast estates.

Cost of Living

The Peninsular War Izuru Izuru