Hello. I was planning on moving one of my sims in with another family and I did the "Ask About Funds" interaction for the sim in the other household, and they said they had 0 simoleons. I thought this was weird because 5 sims in the household have jobs. I then checked on more inactive sims around town and they all had 0 simoleons, except one family who had 1 simoleon. I was wondering if there was a way to fix this? (btw I am playing in a custom world)

I am assuming that NRaas SP and the SP Money module are in play, and that more than a sim week or two has passed since you began playing this world. But if some of that is not correct, please say so.

On one of these inactive household lots, or a sim who lives in one of these households, run SP > Household Options > Accounting. That will give an on-screen report of that household's funds, income, and expenses since the last time the Accounting data was cleared (or since the beginning of the game if it never has been). Does that give any clues as to why these households are apparently living beyond their means. and are any of them shown to be carrying debt?

Also, as this is a custom world, are these households the original ones that came with it? Is it possible that the world designer started everyone out at §0 or something close to that for some unknown reason?

igazor wrote: ↑

February 18th, 2024, 11:33 pm

I am assuming that NRaas SP and the SP Money module are in play, and that more than a sim week or two has passed since you began playing this world. But if some of that is not correct, please say so.

On one of these inactive household lots, or a sim who lives in one of these households, run SP > Household Options > Accounting. That will give an on-screen report of that household's funds, income, and expenses since the last time the Accounting data was cleared (or since the beginning of the game if it never has been). Does that give any clues as to why these households are apparently living beyond their means. and are any of them shown to be carrying debt?

Also, as this is a custom world, are these households the original ones that came with it? Is it possible that the world designer started everyone out at §0 or something close to that for some unknown reason?

I checked the Accounting records of two households and they both had negative net values and debt. All of the sims in the town are original and children of original sims, and I previously did the "Ask About Funds" interaction way before when my sim was an adult (she is now an elder) and the sim she asked had simoleons. Also, both households have a large amount of bills. I do have a mod where the bills are 4 times the original amount, but that still gave me numbers that were well below what they were getting billed. For instance, one of the households has 35,256 as their General Income and 15,082 as their Bills.

Having cash on hand is not the same as having a positive Net Worth. If an inactive household was/is carrying debt, then SP will keep pushing debt payments on them whenever it notices some extra cash balance, meaning anything over 0.

But can we see a screenshot of one or two of these accounting reports? The money they are earning has to be going somewhere and this sounds out of balance. What I don't know is if SP can track bill payments properly when an external mod (which one?) is pushing them. Nor do I know why this is necessary as SP Money has the ability to adjust property tax rates at the sim, household, caste (thus income), and town levels as well as a means to levy income taxes.

igazor wrote: ↑

February 19th, 2024, 6:15 pm

Having cash on hand is not the same as having a positive Net Worth. If an inactive household was/is carrying debt, then SP will keep pushing debt payments on them whenever it notices some extra cash balance, meaning anything over 0.

But can we see a screenshot of one or two of these accounting reports? The money they are earning has to be going somewhere and this sounds out of balance. What I don't know is if SP can track bill payments properly when an external mod (which one?) is pushing them. Nor do I know why this is necessary as SP Money has the ability to adjust property tax rates at the sim, household, caste (thus income), and town levels as well as a means to levy income taxes.

I have Anach's Higher Bills, now I am going to take it out though with this information. I just used NRaas Money for inheritance after death I think. Is there anything I could do about the debt thing?

I cannot submit a photo, I can write down everything on the Accounting info though.

I can see the screenshot you uploaded (3x).



This household's is not operating at a net gain because of overrun in the Services category. That's a lot of maid and butlers. Or maybe not those, but you would need to find out (possibly by playing them for a while) what in the world they are being charged for in the Service category. §57,458 over the course of 92 sim days when they only had around §61,000 in income and still have to pay bills and cope with daily expenses like food sounds really excessive. Items Bought is also high (probably a car or two), but it is more than balanced by Items Sold.

To get these sims out of debt, you could MC > Family Funds them some money. That will allow them to pay off their remaining debt of §5,632 but it won't fix what is possibly an ongoing drain on their budget.

igazor wrote: ↑

February 19th, 2024, 7:31 pm

I can see the screenshot you uploaded (3x).



This household's is not operating at a net gain because of overrun in the Services category. That's a lot of maid and butlers. Or maybe not those, but you would need to find out (possibly by playing them for a while) what in the world they are being charged for in the Service category. § 57,458 over the course of 92 sim days when they only had § 74,000 in income and still have to pay bills and cope with daily expenses like food sounds really excessive. Items Bought is also high, (probably a car or two) but it is more than balanced by Items Sold.

To get these sims out of debt, you could MC > Family Funds them some money. That will allow them to pay off their remaining debt of §5,632 but it won't fix what is possibly an ongoing drain on their budget.

Oh that's so cool. It was saying like error so I thought I did something wrong. I will try playing with them.

igazor wrote: ↑

February 19th, 2024, 7:31 pm

I can see the screenshot you uploaded (3x).



This household's is not operating at a net gain because of overrun in the Services category. That's a lot of maid and butlers. Or maybe not those, but you would need to find out (possibly by playing them for a while) what in the world they are being charged for in the Service category. §57,458 over the course of 92 sim days when they only had around §61,000 in income and still have to pay bills and cope with daily expenses like food sounds really excessive. Items Bought is also high (probably a car or two), but it is more than balanced by Items Sold.

To get these sims out of debt, you could MC > Family Funds them some money. That will allow them to pay off their remaining debt of §5,632 but it won't fix what is possibly an ongoing drain on their budget.

Okay! I have played a family for almost a full sim week. I noticed that they do not have any maids or butlers, they sell things at the consignment shop and get a good amount of money from that, and one of the sims is an author so they get royalty checks. I paid off their debt and it registered on the accounting log, but when I got newspaper delivery (I have a mod to charge 5 simoleons per delivery), it did not show up on services. Also, I called a repairman and when they were done, there was no charge (or at least I did not get a notification for it) and no change to the services on the accounting log either. I looked around the town and noticed that most of the fees were coming from services. I have two mods that affect services in the game: 5 simoleon charge for newspaper delivery and 200 simoleon charge for repairman. I also have the Workout Costs Money mod, and one of the sims in the household has the athletic skill and is in the athlete career, so I thought she was regularly going to the gym. Also, I was checking on the accounting log for my regular household and they had no debt and no change in service fees. I think that it is a glitch where inactive households have no money or my mods are causing it (probably there latter). When I am playing a household, they are making money, but when they are inactive, they have no money.

This isn't or shouldn't be the general user experience with SP Money. Sometimes players accidentally set the property (or income) tax rates too high for anyone other than their actives to be able to survive financially. And sometimes (I've done this!) players accidentally set school fees for private schools too high and they are collected too often, so everyone in town who sends their children/teens to private schools goes broke and into debt after a while -- my solution for this one at the time was to refund everyone's money and make the private schools free for everyone. But none of these things should be mysteriously increasing the Service fee category like that.

I would suggest trying gameplay without the mods mentioned, or rather any that might be adding fees to the Services category for inactives or doing 4x kinds of bill changes when SP can manage that itself, to confirm that their finances stay within balance while not being played. Then perhaps add your other mods back in one at a time until the Service fee overrun reappears to help pinpoint the cause.