funds are low
20, 2002 - by Mr. Findson
just moved into the neighbourhood, got your small house built, and then
you realize that all funds are spent, and you have not even bought all
the facilities you will need! Here's some advice on how you can manage
through a period with low funds.
of us have experienced the day when we are forced to look over our household
budget, or even worse; to sell off some of our belongings in order to buy
food or pay bills. To many this is a shame socially, but you should know
that most families have gone through this before you. And, they made it
- so can you!
are many reasons why such a situation might occur; unforeseen occasions
might force you to replace some items, or you just moved in and need a
lot of things. Some families spend all day watching the phone, because
with some luck a phone call can add greatly to any household's account.
But there are many other ways to find your way economically.
moving in or building a new room, always keep in mind that you don't need
to fill the room right away. Start with the most essential items for that
specific room. If it's a bedroom, get a bed and eventually a bedside table
and alarm clock, before you start thinking of decor and additional furniture.
You don't even need a lamp in the bedroom unless you plan to use the room
for other things such as reading. If so, you can even bring a lamp from
one of the other rooms for those rare needs.
you can't afford the trendy furniture, stick with the cheap stuff for a
while. A simple table is just as useful as an expensive, although it might
not match your ideals, or give the same score to the room. The same goes
for wallpapers and floors, they can be replaced when your account allows
it, especially if the room is large. There's no use in impressing your
neighbours if you can't serve them a meal.
the cheapest toilet, and remember to flush it to save some hundred Simoleons
by avoiding the service bill of at least §50.
double use of most of the furniture. A desk can be used as a dining table
for 2 persons, and the dining chairs can be moved from the dining room
to the tv set, serving double. If you can't afford a bed for each household
member, consider to use a love seat or recliner which is much cheaper and
also serves as seating. If you have a large (4 or 6 tiled) dining table,
you can use half of it for kitchen appliances, and still several sims can
eat at it. That saves you from 2 kitchen counter items.
Another way to get around,
is to have half the seats and beds you need, and make sure that your household
members eat and sleep at different times, using the same furniture. This
works better if adults works at different hours. A
bed is needed for about 8 hours per day, meaning that one bed can actually
serve 3 individuals, at least for a period.
you have a really really tiny house, you can even move away the furniture
not in use; not by selling them cause then you would lose money if you
need to buy them again. For instance the single beds can be placed along
the living room wall, occupying only one floor tile width. The sofa can
then be placed against the bed, hiding it. At night you will simply move
the sofa to access to the bed(s).
sure always to serve group meals even if you are alone, or only a couple
household members. Don't serve until you are very hungry, then eat two
portions, and about 7 hours after the meal was served, either eat again,
or grab plates without eating, and the food will last longer. In that way
one groupmeal (§20) can last for the entire day for 2-3 household
keep neighbours out of the kitchen, or put the group meal somewhere they
can't reach it. It's easy to lock a room by placing a trash can and a chair
to block the door. A trash can should also be placed in front of the fridge,
eventually the fridge can be flipped, to avoid children eating snack all
day long. A snack is only §5, but if you have 2 kids eating constantly,
it can soon become §50 wasted per day.
wave is cheaper than a stove, but you will need to eat more meals per day.
If you can make a group meal last for a full day, this should not be a
problem though. A micro wave is also taking up less space, as it can be
placed on any table at all, even on your bedside table if needed.
will of course be working, or at least 1 Sim will bring home some money.
If that one has got a minimum of education, you might earn extra money
by switching career quite often. The promotion bonus you will get paid
is not very large for the first levels, but it's normally a lot more than
a regular pay check.
to avoid a full day off from work when switching careers. You can increase
your income by switching job right after you returned back home, if you
then get a job working night shift (i.e. security).
can work at home by painting and selling your work. It requires that you
buy an easel, but you will earn back the cost after just 5-6 days. If you
have talented children, they might earn a little money by painting, too,
but we recommend that they get their own easel.
you know that Social Services do support families having children? You
don't get paid the money, but your taxes are reduced with a certain amount,
something you will notice when paying your bills. The more children, the
more support from us. So, children is definitely a good thing - even when
funds are low.
bills must be paid. Do not pay them right away, put them aside for at least
one week. Avoid keeping more than 2 sets of bills though,
and always remember where you put them. If the Collection Department arrives,
they will take any object covering your debts, and their repossessing will
normally be worth more than you should pay.
you are forced to sell off some of your belongings in order to pay bills,
sell off what you bought most recently. Most items' value are reduced daily
after you buy them, but if you had them for a long time they might have
reached their minimum value. That means there's nothing more to lose if
you keep them. If you keep a recently bought item, it will continue to
lose worth daily if you keep it. If you sell it, you might do the right
thing, depending on how much you need the item.
Services' best offer - get what you need for free!
contributions are greater than you might believe, most Sims don't seem
to know that we have a special service in order to help those with a low
budget. You are always allowed to borrow any item you might want to buy,
for the rest of that day, and if you return it during the same day, you
will get all your money back. This means you can borrow whatever you like
at any time - if you have a mood crises, you can borrow a super tv or 3D
glasses etc. for some hours. If you feel like playing chess you can borrow
a chess table for some hours, without paying anything. Even if you forget
to return the item you borrowed, and return it the day after, the charge
is often only 20% of the full price.
catch is that to use this service, you will need to pay a full deposit,
so in other words, you will need some cash.
theoretically possible to use this service for most of your household items,
but you will get tired of borrowing every single item, and besides, you
would surely forget to return some items over time. This service is perfect
for your short term needs, and normally some economically crises will last
for a limited period.