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Bleedingheart

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Hi People I was due to pay a loan and I was losing money so I increased the treasury slider
but as the months pass I still lose money
Can anyone please explain this?
all help appreciated
Thanks
 

AndrewT

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Not a tech support issue so moved to main forum.

Changes to sliders don't take effect until you exit that screen.
 

1anrs

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Are you auto-sending merchants? That is often the way that money will be lost without noticing it.
 

Kovax

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Early in the game, you're not going to be able to get a monopoly anyway, because that requires a certain Trade tech level. I send Merchants when the odds are good, and don't send them when I'm short on cash or if the odds aren't favorable. If you're sending a steady stream of merchants at 40% odds, and having them competed away by opponents with 60% or 70% odds, you're dumping money down a large sinkhole. I've played games where my merchants had low odds of competing, and I was better off doing without the trade income, rather than pouring merchants at the problem and spending far more than they'd earn.

The Treasury slider is a DANGEROUS tool. That can produce inflation, which will increase the cost of everything you do, and is very difficult to reduce. If you have a minister who reduces inflation, you can probably get away with a very small amount of minting in order to boost your short-term finances, but that can have a detrimental long-term effect unless you hire advisors with research bonuses to replace that portion of research which you're not providing as a result. Use with caution.
 
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Kovax

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Another way to boost your finances is to lower your troop maintenance sliders from 2.00 down to 1.40 or even down to 1.00 during peacetime. That saves around 10-25% of your troop upkeep costs. It takes a month or two to bring them back up to full strength (which happens at the end of the month), but most marches to the next province take almost a month of that time anyway, and you can generally engage weak rebel stacks successfully at 1.20 or 1.40 strength. In situations where peace is "questionable", I keep the maintenance slider to around 1.40 or 1.50, which is good enough to fight on short notice, but still not costing me the full amount for upkeep.

With hired advisors, make sure that the advisor's salary isn't costing you more than he is providing in benefits. An advisor who gives a small boost to Production, Tax, or Trade income in the early game is next to useless, because the hiring cost is more than the percentage increase will provide. The same advisor may be worth his weight in gold in the late game, when the income levels are far greater, and a couple of percent increase is enormous compared to the paltry salary of the advisor. Early on, I'm primarily looking for advisors who provide an increase in research, which will put my country in the position to benefit from those income boosting advisors sooner. Other advisors provide ZERO benefit except under specific circumstances: an Artist is ONLY useful if you've got stability lower than +3, and a Banker is ONLY useful if you've gone into debt, and Theologians aren't any help if all your provinces are of your national faith (aside from the ability to enact particular laws which require a certain type of advisor). Any other time, they're costing you money for no benefit.