The Fallen King
It costs money to live in the world and costs shall be incurred over time. The players are considered to be carrying a month worth of food with them when they travel and other basic supplies. Such supplies and necessary repairs are made every time the players return to civilization.
The cost for replenishing food and repairs is 5 gold a month per player. For sake of ease this is deducted on the first of every month. This cost will go up as players acquire better equipment.
Staying in town increases your costs as you can’t just sleep randomly on the ground. How much you spend while in town is dependent on what level of comfort you deem appropriate for your character.
Poor (12 gp a month): You find the cheapest accommodations, your clothes are normally tattered, and eat the same food you would while adventuring.
Common (45 gp a month): You stay in a decent inn, you have meals prepared for you, your clothes are in decent condition, and you buy the occasional luxury item.
Good (100 gp a month): You stay at finer inns, have quality to meals prepared, always have fresh clothing, and don’t stop yourself from treating yourself every few days.
Extravagant (200 gp a month): You live the high life; you have an inn room with dedicated servants, eat the best food, wear the best outfits, and purchase any item you want.
The cost of living arrangements assumes that everything is being purchased from an outside source. If the players can argue that they provide a portion of the month expenses it could reduce the cost, but in general that is the system that will be used.
Also note that the style you live could, over time, affect certain outcomes. Want to meet with a rich noble and convince him to talk about his business contacts? If you’ve been living a poor life it probably won’t be easy, but if he’s seen you around at extravagant parties it will give you some starting ground.
Horses: Owning a horse requires an upkeep cost of 4 gp a month, 6 gp for warhorses. The cost assumes feed, equipment, and the occasional boarding. With upkeep, it is assumed that part of the cost is the occasional relinquishing of an old horse for a new one with no additional cost. Only if your horse dies in combat should you necessitate the full expenditure on a new horse.
Owning properties: Players may buy and own properties, either houses or businesses. However, for sake of record keeping they may only buy these building in cities, not towns.
You probably won’t get to a city for awhile, but there is one major city in the game. Limiting your investments to that city will be both the best for the group and the DMs sanity.