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(2 edits)

Honestly I just sell materials if I don't have enough from the quests. I've so far started with a magic user in the first run, and a worker in the second run. Fairy race for both runs (didn't realize at the time that other races also had hidden classes). In the first one I got some of the most cursed quests, for example my mage guild would only offer me aphrodisiac quests, my fighters guild only wanted me to full clear dungeons with the occasional slay x amount of bandits, my servants guild just spam asked me for permanent workers instead of the 3 day lease variety, and my worker guild wanted increasingly drastic amounts of food. In that run I actually had to go through I think 3? debts before getting the points needed. Didn't help that I didn't really know what I was doing either. 2nd run I only had to do 1 payment and got some fairly blessed early quests, it was overall significantly easier.

A few pieces of advise: Do not hire poor growth workers to keep, only to fill quests at best. Always aim for at least good on the ones you are going to keep and always check all the guilds as well for recruits. Avoid trying to clear out dungeons before you are ready, it can be incredibly expensive time wise if you end up dying. Make sure no workers are idle, always have them chopping wood, mining stone or iron, or at the very least getting food. Even if you don't use the materials they harvest, you can sell them to make up whatever deficit you have come debt time. Also use the "date" function every 24 hours to fill loyalty, or train workers for quests. 

Oh and as for upgrades, only do tailoring and smithing until you get the debt taken care of. Otherwise you starve yourself for materials and waste a lot of time farming them. Doing it this way in my 2nd run got me through the debt phase on like day 21ish I believe.

Edit: Forgot to mention how I got through Dungeon / Slaying quests. Either your main character or 1st servant need to be some form of combat class obviously. I usually side with the fighters guild first so I can get the sword and armor, then go archer class on the 1st servant to  get wind flurry which hits 2 enemies at 0 cost, you can use it with any weapon. Then I'd send my fairy master in with the 1st servant cause he gets access to the once per day fairy heal ability that heals 50% hp. That will easily get you through any slay quests, for the Clear Dungeon ones, you need either your Master to be a healer or have a 2nd servant thats some form of combat class. If you need any extra classes, make sure you use the 'Date' option every chance you can as well as clicking 2 people for some bedroom fun, you can also get exp through intercourse in this after all.

Edit 2: So I initially thought prostitution was a red herring job early, but then I tried a 'challenge' run more or less where I ONLY use prostitution to get out of the debt, Master was a Rabbit, first servant was a Fox. And....on day 3 I had the 1k I needed for the first debt. I imagine by the time I reach the deadline, the 14th day, I'll already have enough for the 3rd loan payment. The only downside to this is that there are very few guild tasks my mansion full of prostitutes can do. And ofc my first 4 tasks were all of the "go slay some wolves" variety. So its probably still gonna take me a while to move past the debt phase, but I doubt I will ever have much trouble paying.

"Fairy Race"----sorry didn't understand that.  Were you MC & 1st slave both fairies?

"Sell everything you have"---BEEN THERE<  DONE THAT FAR TOO MUCH!   [& wind up broke!]       Should be noted as said elsewhere,  good weapons/armor/tools cost $$$,   so selling too much can really make you take a big hit.

BAD LUCK w the quests is part of what this post is about.    [Assume even w 5 charm, you can't get enough Quest points by D28   (once in rare while I get lucky, ESP if give myself *HELP*)]    As you say,   Quests for items you can't get  (or can't get enough of)  "DUNGEON CLEAR" Quests   (often *IMPOSSIBLE* 1st 14 days!    Bandits aren't too bad---but how about  "UNDEAD MONSTER HUNT?    

Many, *MANY* of the quests need to be re-balanced,  *OR*,  simply not allowed 1st 21 days. 

Your  "3 debts"  I assume you mean D28???

Actually,  $$$ PRICE   (1  WT I've seen posted a lot says cost doesn't matter & that's complete BS!)  cheap as possible *PLUS*  Hi  PHYSICS       (growth is nice, but not Req;)      I'd MUCH rather have GR 1 PH 5,  than GR 5, PH 1 !!!      [not that newest version changes some tasks to Wits that were prev Physics]

You didn't mention Upgrades much----I've found it *VERY* difficult to do Quests *PLUS* resources/$$   [GREEDY BANK!]  w only  5 workers, so Rooms upgrades  are a must.   (done some where avoid some quests,  LESS Upgrades/people,  but otherwise----10 [?]  rooms is a min?

Never tried fairy, sounds interesting.   (usually get "Scholar" 4 their heal)     EITHER WAY,  WEAPONS/STAFFs  cost  $$$  that I rarely have avail.   (unless cheat ;-)    
I tend to go with hi dam chars ----everybody "heals" even while working----so as long you have enough hp to fight & not die & still go back to work...

2nd run is where you were  "fairly blessed early quests",so  " it was overall significantly easier."     LOL   EXACTLY MY POINT!     [I think many of the quests should be re-balanced, OR not allowed  1st 14 days.

FYI fishing is usually much better profit than hooker   (you didn't mention version----*MANY* new restrictions in newesst version, including no fishing   (I hear fishing a lot)  @ start. )     It's very similar to your idea:   ***  Make  $$$ ***  OR***   do Quests      (but not BOTH!)

(3 edits)

Your post is kinda all over the place but I'll try lmao.

So in my first run I went Fairy for the MC, 1st slave was a Wolf beast person. 2nd run the MC was a Fairy, 1st slave was a Dragonkin (this is where I found out there were other hidden classes). It should be noted that for my first run I never bought any gear from the shop AT ALL, never had the spare money to cause I didn't know what I was doing. The only upgrades I took before dropping the debt was Tailor, Smith, and Alchemy. Alchemy ended up being completely a waste since I didn't know where to get the mats for it at the time. 

Also the Dungeon quests can be cleared with JUST your fairy and 1st slave, but you need to take archer first for your slave, and also go very slowly till you can get some gear drops from the dungeon or at least until you get a healer class for your fairy. Bear in mind, this is what I did on my FIRST playthrough, when I had the roughest time and had no idea what I was doing.

By 3 debts I mean 3 debt payments. The payment on the 14th, 28th, and 50th(?) I think.

Taking anything below good growth is fine for a slave you don't intend to keep, or if you just need one temporarily.I agree that some of those quests need to be rebalanced though. Getting 2 "clear dungeon" quests first thing is annoying. 

Like I said, I barely touched upgrades at all on my first character before the debt was cleared. Oddly enough my unarmed Fairy healer, and slightly armed Wolf Beastkin archer, were able to take care of any Slay quests, Dungeon clear quests, or beast hunt quests. After I figured out Mithril exists and was able to mine some to make heavy armor for my beastkin those quests were a breeze.

Yeah my first and second run was the difference between night and day. My first quests were all "slay wolves" or turn in 10 cloth. Easy stuff.

The version I've been using for my hooker run was the current one (at time of posting) I was able to get enough money to pay off 2 debt payments within the first 7 days or so days. The only hard parts were doing dungeon / slay quests with a group full of hookers, and getting materials beyond basic wood and stone. After I got the Incubus / Succubus class with the charm ability I was able to actually go in dungeons despite each character having only hooker classes. I never would have set foot in a dungeon if the fighters guild would stop giving me ONLY those quests for 4 weeks straight. I haven't tried the full fishing build yet, will probably try it next.

Edit: Also make sure in the beginning that you only use the "train" option when using the date feature each day. Getting those early stats quickly can make all the difference for any run, but especially so in the hooker run. 

Fairy-----ok,    [v  5.2B,  SOLO]    
BTW someone said some solo was harder than "Default" but I found them both about the same----since by far *MOST* of my bad luck/difficulty has been QUESTS.   (Mentioned in other posts)

+  To fairy Idea!   (Fairy/Cent)   Free heal Helps a *LOT* w early fight/clear quests.  

Now bad news: 

Had got 2/3,   [ok tech Xari still in prog, but just need 2 go back lol]   ----*FIGHTERS*     (STRIVE if you're reading this,  *MOST* of my troublesome Quests R *FIGHTERS or *MAGES*;  )  

NOT MY FAULT!    (UGH)  

They wanted an ARCHER (Assignment Q)----didn't have one----so saved up & GOT ONE----& now says  "YOU HAVE NO SUITABLE CHARS!"  

(sorry Beran not your fault)

if it's *MY* fault & I'm messing up then I understand I need to change/try something else.       But   *UNLUCKY*  Problems like this----make me want to give up this whole thing Entirely!  

[BTW,  D20,  so *REALLY*  need to clear this one so can get another one]