itch.io

I think hes doing reworks for some / most of the characters, so its taking a bit longer than normal. But hes been working on it more or less since the last update for this game.

If it works out how you wrote it then yes thats good. Its definitely more than the prostitute strat I use, at least in the beginning stages. Less gold than the steel strat though, but seems to keep up with it in upgrades and beat it out in guild points. I suppose the main differences are that I never take recruitable NPCs like daisy, and I don't skip the debt.  I'm guessing you swapped the guild quests over to medium or hard for week 2? Otherwise those points are too high.

Tried your method, without a healer it simply doesn't work. With a healer its too slow. By W2 D7 on both of my other builds I have about 3x the amount of $ I had in my 2 attempts with all combat classes, including the one with 2 orcs. Not to mention if you count actual real time (not the weeks or days but minutes you spend doing it) combat is just far too slow. That being said if it works for you just have at it. I recommend you try my method too though.

Hmm, its been a while since the last time I tried a combat build so I'll give it another shot. Truth be told the absolute fastest method (for early money) I've hit so far is fishing then immediately going into woodcutting asap, then getting iron and smelting them into steel. I'm interested to see if going combat can be faster. Why Orcs in particular? The unique class? I'm guessing for the earth damage boost on the aoe.  As for why I do not get rid of the debt, I like the increased challenge that it provides.

I've tried a combat build, and you never really have enough money to do anything with it. Unless ofc you use the skip combat cheat. If you use that then yeah your way will be faster. Otherwise I can't see ANY way combat would ever be faster with the paltry rewards you get from it combined with the reduced quest rewards. And bare in mind, the above was said assuming you intend to pay off the debt, not if you intend to bum rush the quests to get rid of the debt.

Going by what you've said here, I think the issue is you keep doing combat related things. Combat is the absolute LEAST profitable thing you can do in this game even if its (almost) the only way to do fighting guild stuff. 

Try out a playthrough where you start your main character, as well as your starting servant out with maxed Charm and maxed Sexual. You can even give him the Curious or Teacher trait to help even more. MC starting class doesn't matter. You can also set the race to one of the Beast races for an easier start. These will do a few things for you: 

1. Your main characters Charm Factor (IE the poor -> good -> great etc) will give you higher rewards from quests and also increase the amount of Dates you can do. This is important since Dates can increase your characters Physic / Charm / Wits, can help with obedience / loyalty / authority, and can lead to sex after the date which bypasses the normal limit on the times you can have sex per week.

2. Your main characters Sex Factor will increase the amount of times you can have Sex per week. This is significantly less helpful than the Charm Factor, but will help early on with increasing sex skill which affects how much you make through prostitution (which is our main source of income in this route)

3. The Teacher trait would help their partner gain sex skill faster, this is particularly useful on the Main Character since all dates go through him, and dates can lead to sex. The Curious trait gives you more exp from sex, and going by what I just said about dates....its very useful on the Main Character.

4. The reason I recommend one of the Beast races (Particularly the fox) is their access to the Natural Pet class, which gives better bonuses than the normal pet class and is VERY easy / quick to unlock.

Now starting out you immediately side with the Servants Guild, get your first servant, set them up similarly with the master while setting their TAM and TMD at similar levels with TAM slightly higher.  Also give them Curious over Teacher, and start them with the Harlot class.  The first thing you do is equip the items you got from the servant guild, check the shop for any charm increasing gear (last tab on the right). Try to get the gloves, ears, underwear, and maid outfit if any of them are available, but be aware at the start you only have 500g. Put both characters on Prostitution duty immediately but be sure to do a date before passing a day. The goal of the date is to raise consent, so pick praise first, then pat head, comb, hug, kiss, flirt, intimate talk, then spam hug. Chances are the first one will end without sex, which is fine. You can use the Praise skill from the hotbar afterwards to further increase consent and the next date will almost certainly lead to sex. 

Now pass a day and then date again, this time do not use any affection options, immediately swap to training and click Practice charm. If you maxed both characters Charm Factor out, they will gain 15 charm this is super important since charm increases the money you get from prostitution. After the date the character will likely want sex basically always do since it will usually max the characters Lust bar afterwards which will give you fuel for abilities later. If its boring to go through the same menu a lot then during sex click on any character thats not your main character (or all of them other than your main character if you have more than 2 participating) and click "Let X lead" Then you can spam click observe in the bottom until the 20 turns are up.  If at any point you get enough exp to add a class, make sure you put Harlot on the MC asap.

You'll want to repeat that till you are out of dates, though make sure you check the store for charm increasing gear at least until you have both characters kitted out. At no later than the 3rd day make sure you check all the quests to see if there are any you can complete easily. Any quest that asks for food, literally just buy it from the store. Because of your maxed out Charm Factor you will almost always get more money back from finishing a quest than you spent on buying the quest item. If theres a worker quest that asks for something like "an axe with a bone blade" You can check the shop each day for one, but if there isn't one in the shop just don't accept the quest ever. If theres a Servant quest make sure you read the quest carefully to see if they are asking for a worker or asking for a slave. Be very careful with these cause if you mess up and give away one of your better workers on a slave quest then they will be gone FOREVER. These quests will usually ask for something with "Charm 33" or "sex skills 25" or TAM / TMD at average, you can just look through tows market or the guilds and buy the person who meets the requirements and instantly hand them over. If its a charm one then you recruit someone who has a decently high charm factor then raise their charm skills through datings "training" and hand them over when they meet the requirement. Same goes for the ones that need sex skills. Then theres the mages that generally have the easiest quests as most of the consumables they ask for are in the store on one day or another.

Eventually (usually after the first week, or after the first bank payment) You'll want to recruit more characters. The important thing to note when adding more characters is to aim for high charm factor, sex factor, and TAM / TMD not too low. The reason for this is the classes you'll be aiming for will require it. Speaking of the classes you want basically anything that adds charm or value from prostitution. Harlot,  Pet / Natural Pet, Bard, Dancer, Incubus and the Servant Guild classes are all things to aim for. Also be sure to buy food occasionally for your people, and in between bank payments make sure you buy the materials required for the Mansion Rooms / Luxury Rooms upgrades. The former so you can recruit more people, the later so you can max out their loyalty then put them in a luxury room and set them to "Coerced Labor" which becomes a free 15% production boost. If you are willing to buy more food, you can also set extra rations for another 15% boost. Oh and after you buy the upgrades remember to set someone to the "upgrade" job till its done or you won't get it.

Honestly if you even just loosely follow this mini-guide you'll easily pay the bank off in full. And likely won't even need to since you'll finish out Servants very quickly, Mages very quickly, Workers somewhat quickly, but never Fighters (you only need 3 anyway).

Jeez that was way more typing than I intended to do, but here you go. Just gotta understand the games systems and its really not that hard. The moment I noticed how god awful the rewards for combat were, and ignored it completely, I stopped having any problem getting money in this game.

Yeah this is my problem with Fairies and their racial heal. The maluses they take to have this heal are WAY too high for how useless it is past the early game. A loss of 30% on base hp, -20% Melee damage (this is pretty damning itself), and -20% in collection (also pretty damning). All that for +8 magic attack (literally nothing later), +25 evasion (I don't seem to notice this at all as assassins still murder my fairies easily), and a 50% heal that not only has a mana cost but is also restricted to once a day. 

Assuming you use the fairy early you will probably need to heal at least once every 3 - 4 fights, early fights give you about 5ish gold so you can do about 6-8 fights a day and get 30 - 40 gold. So not worth it. If you get one to mid game, you'll find that you either don't need to heal at all, or you'll regen whatever mana you spend on healing  or even worse you'll heal them to full with a spell that costs less mana than the once a day Fairy heal. Oh and they also get access to Druid, which is...ok I guess. The best thing about it is the +20% earth damage, but you can also get it on races that don't have gigantic maluses. 

Its because its the fighting guild that they should ask for weapons. The crafting guild asks for crafting tools. The service guild asks for "service" tools. Even the mage guild will ask for consumables. And all 3 of those will also ask for you to clear out enemies. Its literally JUST the fighting guild that doesn't ask for any kind of crafted thing, which is strange. 

Also about the "powerful races": I get Dragonkin and Seraph more often that ANY other race when the exotic guy rolls around. On the other hand I've still yet to see a single Nereid in my game at roughly 70 weeks in. And as I said in my post, Dragonkin and Seraph are among the strongest races in the game. So its definitely not because they are "rare" that they are powerful, and also not a cheat to start with them since they are so easy to get. Bare in mind, this is also with no upgrades in that area.

I'd just like to see races be a bit more balanced. If the dev already intends to do that, then thats great. As for the fighting guild, its not really a big deal, just really bizarre that every other guild, including the crafting guild, still needs supplies occasionally but somehow the fighting guild doesn't? Particularly when fighting is the current least profitable way to play the game.

The main reason I list the ones I do is that they get natural +Physic or +Charm either through racial bonus or through the unique classes and both of these can go above 100 unlike the Sexual stat. Charm increases the $ you get from prostitution and Physic increases the resources you get from Labor job (except for the few that require wits, but I haven't really ever needed them tbh. I guess you get a Gnome for that since they get +10 now?). Adding in dwarf, The ones you mentioned would definitely be the best combat / physics based races for sure, but I was also taking prostitution into account which believe it or not you can base a full playthrough around and do just fine. Beast fox in particular gets +5 charm which may not seem like much, but they also get access to the Natural Pet class making them equal out at the same bonus as Harpy.

Its actually really easy, just need to know how the game works. You can have a mansion full of prostitutes and make the required money, you can also go the "fishing" method that people recommend here, but its even easier to use this "fishing" method to pay the first one, then before the second one sell fish to get enough money to buy the materials needed for the "Rough Wood" resource upgrade in the mansion (the store restocks each day). While passing days try to get worker outfits for each of your wood choppers as well as some axes and use the "Dates" to train their physic. More Physics = more wood. As they get exp give them any classes that give +Collection or Physic bonuses, and obviously when recruiting new people prioritize people with higher Physic. As it is right now I've just paid off the 2nd loan and have more than enough to pay off the third loan. By the time I hit the 3rd one I would have LONG since had enough for the 4th one.

The above is roughly the same for the 'prostitute' route just with a focus on charm instead. And if you want to go the fishing route, Wits is what you aim for. It'll show you what stat and item each job uses on the job assignment screen at the bottom. Just make sure you remember to sell the wood / fish before the loan day rolls around.

I've never been bothered by the loan at all other than struggling with it the first time I played this. Theres several different ways that you can easily pay it off in its full entirety almost no matter which play style you choose. The only one I haven't been able to make profitable enough to fully pay off the loan is going full combat and combat only. You get SO little money from excursions that you have to entirely rely on chests and captives to struggle through. Yes I know the game wasn't really 'meant' to be played in this way, and you aren't even supposed to pay off the debt fully. However I like that added challenge, too many games with sexual content completely neglect the gameplay aspect since its not the focus, but I like a game that can balance both.

That being said this is a comparison thread thats kinda morphed into a like and dislike thread so:

-2 Has way better UI, the only real annoyance I've had is a lack of equipment sets / loadouts so I can easily swap multiple people from a mining set to a farming set, or to smithing  set etc. 

-As said before I really like the bank debt thing, it actually makes you work towards having your manor instead of just obtaining it freely. I like the option to skip past this section, but would prefer a mode added that doesn't allow you to escape the debt without fully paying it, even by progressing the story. Maybe older Animal Crossing games have made me a glutton for punishment, who knows.

-I both love and hate the quest system, I would prefer if there was more variation particularly from the fighters guild. Why do they seem to NEVER ask for weapons? or armor? or anything other than "clear out this location" / "kill X of this enemy".  At least the servants will ask for sex items, the workers will ask for labor items, but only the fighters guild seems to have a team of secret smiths to fully provide them with weapons and armor.

- I strongly dislike the fact that theres only 1 male recruitable 'important' npc. Would love if there was a male version for most of them, but I know how the last game went in regards to that so I don't expect it to ever happen.

- I both love and hate the class and race systems in this game. Like, I enjoy the variation, but holy crap some of the races are WAY better than others. Like to the point its not even a contest. Take for example Dragon vs Taurus: Dragon gets more HP and some Fire Resist AND access to a unique class that gets a boost to physics putting them at the highest potential physics in the game barring Female Seraph (more on that below) and what does Taurus get? Slightly more HP than some races, but not nearly as much as Dragon and no unique class. Its like this with most races actually, so I'd really prefer if they were more balanced. As it stands now Female Seraph, Harpy, Beast / Halfkin Fox, Dragon, Demon, and Dwarf are the best races to pick, the others don't even come close.

- I really, REALLY despise gender locked stuff in games. I actually loved the fact that most classes would change depending on gender to become that genders version of it. Take for example the Head Girl class would become Butler for a male. Unfortunately there are still some classes that have no male version whatsoever. "Breed Sow" and "Valkyrie" the first one I'm not sure what the male version could be, but the second one is the unique class for female Seraph, meaning its completely useless to make a male Seraph because they will not have access to this class and just be worse. Thankfully I'm able to make an empty mod then remove the gender requirements from this class and save it as a real mod very easily which I will talk about below. 

- I LOVE how easy it is to make a simple mod in 2, you can do so from the game itself to change small values that you don't like. For example if I wanted to I could add racial bonuses to each of the races giving them whatever stats I desire. I could make the Fairy races heal actually worth using by removing its questionable mana cost. I could (theoretically now, I haven't tried this yet) potentially make it even more useful by changing it to a mana heal instead.

I can't believe Kaelsandra caused all this mess.

You seem to have misunderstood something. People have TRIED to communicate with him about this. The issue is his complete shut down of any communication he doesn't like. As if hes an ostrich jamming his head in the sand to ignore any possible problems in the world. You can only make so many attempts at communication before it becomes apparent that he doesn't WANT to communicate. I can fully understand problems coming up that prevents him from working, or otherwise delays progress. We can all understand that life isn't perfect, shit happens. However, when we see proof of him being an asshat to literally anyone that disagrees with him, promising release dates that tend to be suspiciously close to the beginning or ending of a month, and then failing to deliver, yet still charging people while delivering nothing? I don't know about you, but I certainly can't and won't defend that. If you want to try to 'change' him feel free to do so, but then why are you here? He isn't.

I don't think hes even released the patreon version yet, so it'll still be 2 weeks after that. Assuming he'll even release a free version at all after all the drama.

 So you said you tried to tell people that criticism is valid and should be allowed yet they said you were toxic? Thats strange because I've been doing very much the same thing in this thread and haven't been told I was toxic once. Do you think it might be the WAY you are saying the message, and not the message itself that comes off as toxic?

Very wordy, but quite low effort. Starting off with "I'm all these things, so you should pay attention to what I say" is irrelevant. the "poorly written" bit is also unneeded, but as it is an opinion its whatever. Honestly, you aren't really critiquing anything, you are kinda just listing points you dislike, and not really pointing out anything specific on why. Example, instead of saying "Language is horrible" you can point out in what way, or quote a few specific lines. Next you go on to pitch your own idea for what he should do with HIS novel. Which is fine, but also really weird to stick together with your so called critique.  If you had no intention on going into detail, then why write out all that at the start? Why pitch your idea for a Ranok oriented version, then attach it to this troll like critique?

And there was even less point in posting this. If you are free to post your praise, then they are free to post their critique. I agree that the hate has to stop, but this is not the way to go about it.

You know full well that this is a foolish post that will only dredge up more drama and not solve a single thing. There was no point in posting this at all. Best case scenario people ignore it. Worst case scenario you dredge up more hate.

I'm still of the opinion that the story is fine as is, but certain elements of certain characters are dialed up to 11 when they need to be around the 6-9 range. Other than that I have no problems with it.

For any wondering, this is just a straight insult. Taking advantage of peoples critique of Caelen so you can throw insults at Kael is just disgusting behavior.

"very optional" Correct. A critique is in essence a suggestion. There are some people who are demanding instead of critiquing though, so I agree with you there.

Granted, don't get me wrong now. I can definitely see that some people are saying it in a toxic way, very much intentionally,  but you can't just lump every single criticism into 'toxicity'. Its very silly to try to, and merely gives the actual toxic folks more ammunition in the end.

Why in the world do you think its toxic to dislike features or characteristics about a character? The "impatient mofos" were absolutely without a doubt toxic, no question there. But how would you ever think that merely discussing the games or what we like or dislike about certain characters is toxic? Is it because you disagree with their comments that it suddenly gets lumped in as toxic despite not even being close to actual toxicity?

I don't really think that qualifys as hate, but ok. It is fine to dislike parts of the game, or features of the main characters. I partially agree with him on Caelan, I understand WHY the character is vulnerable, but I feel like hes a little TOO vulnerable sometimes. Not to mention his occasional massive down tilt in IQ. Other than that I think hes fine.

I can't really change your opinion on most of what you said, but in your first paragraph you said the "criticized f2p" part. Are you mistaking what *I* said as what Kael said? Cause he didn't criticize the f2p side at all in his post. The he doesn't owe you any explanation part was *MY* words, not his. The most 'dramatic' thing in his post was: 

"I do not have to justify or explain this any further, and I find it out of line when people question whether I have a right to feel a certain way. Some even took it as far as putting my relationship with Elath under scrutiny, and it's where I must put my foot down. I'd appreciate that all discussions regarding my personal life or my way of dealing with the emotional side of it cease in its entirety."  Which I agree with.

And this part is entirely talking about the people making snide comments and assumptions about his personal life. Something they are not a part of. This part in particular has nothing to do with the GAME, and is the only part I could find where he talks about not having to justify or explain something. As for point number 5, where he specifically says he doesn't pay much attention to itch.io and only really uses it as a platform to post his game, he even tells people to join his discord where hes more active. And posts an invite to said discord server below that. 

So again, reread his post before you make a conclusion, and don't get *MY* words mixed up as his.

As a f2p player myself, his post on twitter was more than enough for me to know that there would be delays, and it didn't bother me to wait patiently. I think its pretty safe to say that most of the people bitching will never pay a cent for this game and just want the free product. The proof in that is the fact that he notified his paying customers, should be incentive to pay, yet you are still saying "bUt WhAt AbOuT tHe PoTeNtIaL cUsToMeRs".  The fact that even during his rough spot he STILL notified his paying customers, means that if you become a patron you won't have to worry about being left in the dark. So your 'potential customers' bit kinda falls flat.

Yeah, no. Go read the comments on the games io page from about a week or so ago, before this announcement came out. It is definitely not just 1 or 2 people. Also bare in mind that he can also get private messages, and people are usually not so kind in those non public messages. Remember that people will send some pretty fucked up posts through anonymity just because they know there are no repercussions for it. As a f2p player myself, his post on twitter was more than enough for me to realize there would be delays, and it hasn't bothered me in the slightest to wait patiently.

The problem is you are only considering things from your own standpoint. "He didn't give thing at X time which means he bad" You don't even think for a second about WHY. He explained he wasn't exactly in a good place mentally, yet you don't care about that, all that matters to you is "why no game on x date, me want game now". And he probably got multiple messages like that, daily, for the last several days. People who don't give a damn about 'him', who don't pay him a single cent, demanding that he do this and do that WHILE hes trying to work out his current problems? But I'm sure you still see no problem with that do you? Just so long as you can play that free game by X date, everything is fine when its at the expense of others right? 'Toxic' positivity, ha, the irony.

Theres about 3 or 4 trolls in this section downvoting all support messages, and upvoting anything toxic. Just a quick glance at what people have posted will give you an idea of 'who' it is.

But not enough patience to wait for the update.

I see you edited your post with straight up misinformation so let me make another post to set it straight.

1. August 10th was the PROJECTED release date, there was no promised release date. It always has been loosely set, not a strict deadline.
2. So he told his patrons, his paying customers, about the delay. Whats the issue?
3. Again, it was always a projected release date, never a advertised or confirmed release date. He has his twitter linked on this page, which did have info about a possible delay.
4. He has no obligation to give his non patrons an update about a delay on a projected release date.
5. You seem to be treating this as if hes a big business that delayed their game and didn't tell their customers about it prior. The thing is though, he DID tell his paying customers about the delay. You say theres no entitlement going on here, but thats all I'm seeing from you.

TLDR, Once again, this is the free version of the game. He has no obligation to notify you of delays. Just because people are defending him doesn't make those people simps. Have you ever considered that maybe you are being an entitled prick, and people are simply calling you out for it? Maybe accept some of that 'necessary negativity' you tried to force on others for once? Patience is also free, and doesn't cost you a damn thing.

Yes I mean the tweets that literally say there will be a delay. Not to mention the "deadline" itself on this website is loosely set for the free build, meaning once again: He doesn't owe you a damn thing. And no, you can't predict a bout of depression / longing / [insert other mindfog state] that disrupts your work, those happen spontaneously so OBVIOUSLY you will find out about a delay AFTER it happens.

The problem you seem to have is that you think hes required to do anything for YOU specifically. He notified his patrons on his patreon, he likely notified his discord members on his discord. Hell you even posted the tweet showing that he did in fact notify that there will be a delay but he'll try to get it out as soon as possible. What exactly are you bitching about here? Because he didn't personally message you to inform you of a possible delay in the FREE build you want to play? Get a goddamn life.

I've dismantled the pyramid / open cloak looking statue nearly every time I've seen it and have never gotten a curse though. 

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. 

Um no, nearly all of your assumptions could have been dismissed with the information available. All you had to do was click his twitter, see he was missing his friend/lover/husband (I honestly don't know and its not my business to know) and was having trouble finding motivation, but was still chugging away at it when he could.  I found this information myself roughly 2 weeks ago on his public twitter, and have been patiently, and silently, waiting.

I mean really, how entitled do you have to be to think he OWES you anything? You admitted yourself that you aren't supporting him on patreon, you aren't a member of his discord, and that you would rather make assumptions here than see the literal info he DEFINITELY DID post on his twitter.

His 'behaviour' in this is absolutely 100% fine, YOURS is the problem here. We all have our weak moments, and it is not his responsibility to report it to the public on your demand. This type of Negativity is not appreciated by anyone.

So the statue that kinda looks like an open cloak you can dismantle for obsidian, or offer obsidian and get something in return. The statue that looks like a woman, you can offer yourself and get a buff. As for the crescent moon statue, no clue yet. Just don't try to dismantle either the lady statue or the moon statue.

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.

A year late, but I think you uploaded the wrong mod?

Edit: Correction, you uploaded the right mod, but somehow made it link to the wrong mod. Impressive.

So if you look in the description it will have a link to his twitter and his patreon. On his patreon you will see 1.8 is available, but only if you choose to support. You can also see updates on the patreon to when he'll post a new build, and on the twitter he posts nsfw stuff and life updates. Currently according to his twitter it seems hes sick with something. Hope he feels better soon 103 fever (and in the beginning of summer no less) is no joke.