It's not always relevant. If I have a single sim household, or perhaps a young couple with or without children - I'm not necessarily going to want to separate their funds. A lot of couples have a joint account for food/furnishings/holidays/bills etc, and many are probably saving towards similar things too - so these amounts can just sit in family funds. It gets a little more complicated when children start getting money for report cards, or for selling their art - because that's their money, and that shouldn't go on bills - and I might not want them to spend it immediately. I'd like to be able to put that in their own account - along with any allowance their parents give them - but at the moment I'm having to record all this manually and deduct the amount from family funds. The same goes for teens with their jobs - unless the family is very poor, or their parents expect them to make a contribution to the living expenses - why shouldn't they keep their money?
Then there's the more complicated situation of say, two friends sharing an apartment and saving for their own houses, or a sim moving in with a relative while they save for their own place. I would like a central family funds account for bills, taxes, and food still, but I'd also like for them to be able to save any extra money for that house. Again, at the moment, I'm manually deducting 50% of their wages using the family funds cheat and recording it on a spreadsheet to simulate their savings account.
How do you manage individual savings - if indeed you bother?
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I didnt know about Monique's computer either so thank you so much @joandsarah77
What really bugs me is that any money earned on a OFB business counts towards every controllable Sim present. So if a teen helps out in the family store, they'll suddenly remember earning lots of money when I would argue that money does not count. I wish it only counted towards the owner of the store. Will try to fix it at some point, but I have a sneaking suspicion that a lua will be involved since a lot of that stuff is dealt with by luas. So we'll see how far I get
Apparently my brain thought that memories can own stores, but I'm pretty sure only owners can own stores.
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Originally Posted by ihatemandatoryregister
One of my Sims brought her cat along to an owned business and it got a memory of earning money. I found that hilarious, particularly as all it did was sleep on the counter all the time.
That is so in-character for a cat! Of course I'm doing all the hard work here!
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Second -- I bother with familyfunds when I have teenaged Sims that I'm planning to send to college, and I use Monique's computer for that. They get all the money they've earned at their job, in addition to whatever money their parent(s) can contribute.
Recently I've had two Sims divorce but still cohabitate, something I've never really played with. I'm thinking that I need a way to separate funds for them (via Monique's computer), but the woman (a witch) doesn't work and spends all her time at home rearing the children and learning wicked spells, so I'm not sure how I'd divide the financials. Perhaps some sort of "child support" plan?
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Anyway, I have not used Monique's computer before. I keep thinking about it, but it's never been a necessity for me. However, I do have a way to separate funds that my teen sims earn when they have jobs. Every time my teen returns, I pay attention to what they've earned for the day. Then I grab an item (or items) that corresponds with that amount and drop it into their inventory.
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Thanks: 3068 in 28 Posts
Originally Posted by ihatemandatoryregister
Oops. Didn't mean to derail the thread.
@Ihatemandatoryregister - Of course the cat earned the money. That's what cats do. And all that money is being spent on the cat, right?
I also use Monique's Automatic Payment Mod for regular payments on things like membership subscriptions to clubs and things, or for share dividends for investors who want to support local companies. It can also provide loan facilities fromm $0 to $30,00. Like the child support mod, you have to be aware that they'll pay twice if you play your neighbourhood in rotation. It's all much more fiddly than Sims 1 who had the better system for finances in the Sims.
Parents pay the share for themselves and all of their children until the children become adults and start paying for themselves (unless the family is particularly poor and need every penny, or if they are very well off and money doesn't matter to them).
I use their inventories as a bank - if a parent or grandparent wants to put some money towards the kids future, they buy a sculpture to go into the kids inventory so it doesn't get spent. I also find it useful for if a Sim needs to give money to someone in another household - they buy sculptures to the amount they want to transfer and then give it as a gift.
I also keep track of property shares because often my older teen and young adult Sims can't afford their own place and have to buy houses together as roommates. I keep track of how much they each put towards the house (e.g. Sim A paid 40% and Sim B paid 60%), and when they move out the new value of the house is split into those same percentages for the sale. If one roommate wants to move out and the other wants to stay there, the one who stays has to buy the other out in order to own 100% of the house. (Hope that makes sense!)
Alternatively, if one Sim already owns their own house with a spare room they can take in a tenant who pays them rent.
I put them in my sims' inventories, which does have the downside that it all disappears if they die unexpectedly (which is rare-ish in my game, but does happen on occasion). So I also keep track of the amount that they have in their inventories in the Word document where I track details about the households and individual sims, so that I can use money cheats to return the money to their relatives if they die suddenly.
Any surplus money over and above a household's strict starting allowance after initial set up gets sent to the priest/vicar with Christianluv's Wallet to help the church with their expenses, thus neatly eliminating the problem of too much money for some of those damned peasants!
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