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ULTIMATE Realistic Money overhaul | Roleplay Guide | The sims 3

TYSM for 600+ subscribers on Youtube!

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Introduction:

Hello everyone and welcome back to my channel! In today's video I'm going to show you how to overhaul the sims 3 economy, how to have complete control over your billing system, and how to have a more realistic money exchange mechanic! We will also be exploring how to go about a much more realistic renting/mortgage system. This guide has been a long time coming, it's very simple and beginner friendly, but to find all the mods it would take to set this up would be a pain for anyone trying to revamp their sims economy. I've playtested this mod setup for a couple of years, and I can never go back to the original EA economy and billing system. All of these mods work with each other in a synergy circle, they compliment, play off of, and enhance one another. All links will be included in my tumblr guide, and the comment leading to my tumblr guide will be pinned in the comments below. I recommend following alongside the guide and the video, especially if you do not speak english, so you can translate the guide to your native language, while still being able to follow along the video! If I am talking too slowly for you I highly recommend everyone to increase the video speed to x2, and slow it down at certain parts you need extra focus on. Don't worry, I won't be offended at all by this, I do it myself for tutorial videos.

First - Overhaul the sims economy.

No bills

First we need to get rid of the EA billing system. This is because we are going to add new mods that introduce much more realistic billing and rental mechanics. This also eliminates some core issues with the EA billing system. Such as having a large piece of land, but a tiny house, and your bills being upwards of 40k every couple of days. Utilities not being calculated properly. And being billed more because of your more expensive items on your lot. Since we are also overhauling the sims economy, the original EA calculations wouldn't make any sense anymore.

EVM Career Wages

This mod adds a much more realistic financial wage system. Since we have now removed EA bills, our sims wages need to be able to reflect the more realistic economy we are going for. Gone are the days of every Sim earning a fortune with a mere $45 per hour entry-level job. This mod adjusts the wages across all career levels to align with real-world standards, creating a more immersive gameplay experience.

With EVM Career Wages, climbing the career ladder feels genuinely rewarding as higher pay accompanies each promotion. This encourages players to strive for advancement and invest in their Sims' professional growth. Additionally, when paired with the UC mod, promotions become more challenging to attain, placing greater emphasis on the player's decisions and strategic gameplay.

Camo fairer priced groceries and books

Camo tweaked goods

Revamped Economy Essentials:

With Camo's Fairer Priced Groceries and Books alongside Camo's Tweaked Goods, the Sims 3 economy undergoes a significant transformation. These combined mods slash the prices of commonly purchased items, bringing a newfound sense of realism to the game. No longer will a single egg set you back $11; now, it's a mere $2, making grocery shopping a more authentic experience. The same principle applies to book prices, ensuring that essential items are now more affordable for Sims across the board.

This overhaul becomes even more impactful when paired with the Savvier Seller mod, which ensures that prices are not only reasonable for your household but also for the entire neighborhood. This adds a more balanced and lifelike economy, where every Sim can afford the necessities without breaking the bank.

taxi charge

simsmathew subway charger

Realistic Transportation Fees:

Combining the Taxi Charge and Simsmathew Subway Charger mods introduces a new level of realism to transportation in The Sims 3. Each time your Sims opt for a taxi ride or subway journey, they'll incur a small fee. This adds a layer of financial consideration, prompting players to rethink their Sims' commuting habits.

Immersive roleplaying opportunities emerge as players strategize the best way to navigate their Sims from point A to point B. Whether it's opting for eco-friendly methods like walking or biking, or planning a journey that involves a mix of walking and subway rides, every choice impacts your Sims' budget and experience.

This deeper level of engagement allows players to connect with their Sims on a more personal level, experiencing the journey alongside them and enjoying the rich scenery and interactions along the way. Now you'll be pushed to experience y

Ani tax collector

New Billing System:

The tax collector mod essentially allows you to create your own billing and taxing system. This mod introduces a scripted computer interface with customizable settings, allowing players to seamlessly implement various taxes and fees. From water and electricity bills to health insurance premiums and car payments, Sims will autonomously be directed to settle these financial obligations once the tax settings are activated.

For an added layer of realism and roleplay, consider situating these computers at opened rabbithole like the city hall. This not only streamlines your Sim's outing tasks but also enriches the gameplay experience, allowing players to engage in more dynamic and immersive storytelling.

I'm going to go in game and show you how I achieve this effect for a very quick and easy tutorial.

So because we turned off the EA billing system, we need to create our own bills, to still simulate having to lose money through our gameplay. You can place these new tax computers on an opened city hall rh lot (if you don't care for aesthetic then I recommend placing these in the basement), or another community lot altogether. Please note that if you place these computers on a cityhall RH lot, and you enable UC mod on that lot, you should lock the doors leading to the tax computers. This is because with SonyaJu's UC version, the sims working on the lot will be pushed to use the computers which will result in all of your sims being sent to pay their taxes throughout the day. You can lock community doors using Nraas Go Here, or nona lock community doors mod as an alternative.

Now that we have set up our computers, you click the settings and rename the computer. Rename this to any bill you want to pay. Here I am setting up a, Water, Electric, Phone bill, Car note, and Car insurance computer. Now I can click on tax collector > settings > edit multiplier.

Water = 0.8

Electric = 0.4

Phone - 0.2

Car note = 0.5

Car insurance = 0.6

these multipliers automatically calculate what you currently have available in your sims household funds, and deducts the "tax" based off of the multiplier. This adds a more logical calculations to what each individual household could actually afford, without being too overbearing on your funds loss. This make a much more realistic and immersive billing system actually possible in the game, that fixes a lot of the issues with EA billing system, and matches the new sims economy we have created with this combination of mods.

Which leads me to my next part. I pay all of these bills monthly in my game. This adds a much more immersive and realistic experience, and I even have to keep an eye on my sims budget throughout the month, like in real life. Sometimes, I may have to sell things or find any way to make extra money to pay my new bills, or pick which bill I have to pay if I can't afford them all. I give myself consequences if I can't afford certain things. When I show you how to use the new renting system, I'll even roleplay getting evicted as a consequence if I can't afford my rent.

Enhancement Miscellaneous Mods:

The collection of these next mods serve to either rectify the Sims economy hiccups or introduce a fresh layer of roleplay, prompting players to reassess their spending habits and EP career choices.

Some of these mods make purchasing certain items actually reusable like bubble bath products and painting supplies. While others make certain careers have higher payouts which makes the wages for that career make more sense and become more satisfying so you'd actually want to work at it. This also enhances rags-to-riches playthroughs, rendering them more intricate and gratifying.

For instance, with these mods combined, the necessity for pets to rely on manually refilled food bowls instead of random props elevates pet care to a level akin to caring for a toddler. This makes having a pet a lot more impactful in your household, as well as financially.

In general, all of these mods balance back out certain EA default settings, which slowly begins to push together a more and more realistic economy.

I will place the mods you want to add on the screen, and all the links will be provided in the tumblr guide.

speedo higher concert payouts

picnicbasketpricechange

bubble bath runs out

pet bowl needs food

Nona always more gigs 3 times money

wildflowernerf per value

Double money highchancs faster mooch skill

painting needs supplies

painting costs money

government benefits and service

This mod is tailored to amplify the immersive experience of playing as lower-income households in The Sims 3. This mod introduces a plethora of meticulously scripted game mechanics designed to add depth and realism to the struggles and triumphs of impoverished Sims.

One standout feature is the ability to establish child support payments, calculated with precision based on the target parent's income. This introduces a compelling dynamic for players who wish to roleplay scenarios involving relationships with wealthier partners, where child support checks become a lifeline for sustaining the family's livelihood, as an example.

Furthermore, Sims can now apply for various forms of assistance such as health insurance and Electronic Benefit Transfer (EBT), opening up new avenues for navigating the challenges of financial hardship within the game. These additions inject a newfound sense of complexity and realism into rags-to-riches playthroughs, providing players with additional gameplay mechanics to consider and explore. You'll find yourself embarking on a journey of resilience and resourcefulness as you guide your Sims through the highs and lows of economic adversity in the game.

If you are following my guide step by step consider applying these tweaks to the xml's.

As an added note, I no longer add a health insurance tax collector computer, as with MonocoDoll's new GA mod poorer sims can get affordable health care, and sims who do not qualify for this have a good job where I imagine the job offers it's own health insurance instead. So because of this new mod addition, this eliminates the need to set up health insurance payments for my households.

Second - Career's addon's

Gamefreak's check for work

job overhaul

lemonaise 50 jobs offer

These mods revolutionizes the Sims' job acquisition process, enhancing realism and depth. This also enhances the effectiveness of attending university. Without a degree, Sims may struggle to secure certain jobs and will always start at entry level.

The mod introduces a comprehensive interview and application process, typically lasting about an hour in-game, during which Sims disappear into the rabbit hole. Sims can attend resume building and interview classes to improve their chances of employment, mimicking real-life strategies. Uploading a resume, particularly a University Life degree, significantly boosts job prospects.

Maintaining cleanliness, hunger, and a positive mood is crucial as neglecting these factors decreases the likelihood of job offers. The "check for work" option allows Sims to scout for job openings beyond the replaced job hunting UI.

Lemonaise's 50 Jobs Offer expands job opportunities, reflecting the realistic scenario where obtaining desired employment may require starting elsewhere. Just as in real life, a degree does not guarantee the desired job immediately, necessitating patience and flexibility in career pursuits.

This mod combination adds layers of realism and challenges, making Sims' lives more expansive and rewarding. Achieving dream jobs becomes a testament to perseverance and hard work, enhancing the sense of accomplishment for players.

Ani's job board

Ani's Job Board introduces a WA-inspired board object that fills the gap left by missing opportunities in UC mod. With UC's scripted behaviors for work, some autonomous opportunities were removed. However, this mod remedies the situation by providing Sims with a platform to browse and undertake additional work and school opportunities. Now, players have the autonomy to choose whether to pursue these extra projects, adding depth and flexibility to their Sims' lives.

Nraas Careers

Nraas Careers is a mod that expands the possibilities for Sims by enabling custom careers and establishing a homeworld university. While the details of setting up a homeworld university can be explored in another video, this guide focuses on how this mod integrates custom career opportunities with UC. With Nraas Careers, players can seamlessly bind custom careers to EA careers, unlocking a wealth of new professional paths for their Sims within the game. What this means in basic terms, is that UC works by adding a number of objects sims use on a lot, to increase their work/school performance. If you are playing as a custom career, UC won't know which objects can increase that careers performance if the career hasn't been bonded to an EA career.

Sonja's UC

Sonja's UC is an enhanced iteration of Zerbu's UC mod, designed to optimize the original mod's scripting for improved performance and stability. While still a work in progress and subject to occasional issues, this update enhances the main features of the mod, resulting in faster and smoother gameplay. Sims now spend less time deliberating their actions, experience reduced lag before heading to work, and are not as rigidly constrained to complete tasks. Instead, they are encouraged to take breaks and socialize, mirroring real workplace dynamics.

Although ongoing testing is underway, I recommend trying out this version as it also introduces additional modded script objects to careers. Setting up the mod in-game is straightforward and can be easily demonstrated.

zoeoe flower arranging

knitting

pheobejaysims take sims to court

pheobejaysims betting

On the Screen, will be a selection of miscellaneous mods that enrich your gameplay experience by introducing custom playable careers and intricately scripted mechanics.

With these mods, you can immerse yourself in diverse professions such as modeling, flower arranging, or managing a home-based Etsy-style knitting business. Additionally, you have the opportunity to delve into the legal world as an attorney or explore the unique avenue of earning money through litigation against other Sims and establishments.

For those inclined towards risk and excitement, Phoebejaysims' Betting mod allows for a full-time gambling lifestyle, leveraging specific store objects to enhance the thrill of the game.

These mods significantly expand the scope of gameplay possibilities, offering players a plethora of new career paths and immersive money mechanics to explore and enjoy.

Third - Biggest gameplay changes and fixes

Bank mod

Otherwise known as the non-core global banking mod, this mod is a game-changer in how you manage money in The Sims. This mod allows you to establish a bank account for your Sims, complete with essential banking functionalities like deposits, withdrawals, and money transfers.

I'll guide you through setting up a new renting and mortgage system in-game, offering alternative perspectives on cash handling, including household funds versus bank account funds. Additionally, I'll show you how to separate all Sims' incomes and present an edited version where the bank account resembles a debit card in your Sims' inventory.

Let's dive into these transformative features that will revolutionize your Sims' financial management experience.

How to make a bank account.

Simply click on a computer, whether on your home lot or community lot. Navigate to online banking interaction > Open Account. $25 will be deducated automatically, and you will have a new bank account in your sims inventory.

How to create a landlord.

Simply select any sim you would like to be your new landlord. Using Nraas MC > Make Active, you can then open a bank account for the selected sim you've chosen to be your landlord.

How to pay rent.

Once the bank account has been sucessfully opened you can go back to your original active household. Then select the bank account in your sims inventory > Transfers, if you are friends with the landlord then select "Sims you know", if you are not friends with them then select "in your neighborhood". Navigate the list to find your new landlord, then send them your rent or mortgage for the month.

How to separate income.

Using this banking system I separate my sims money by having their bank account as their debit card and their household funds as their cash on hand. I typically, split up the funds reasonably between everyone's bank account in the household. This leaves $0 in the household funds. Once a sim is done with their work day, the exact amount of money they made for the day will go straight into your household funds. From there, I deposit that money into their bank account. It only takes a couple of seconds and is very simple.

As an added note, when sending the sims out and about in the world, I'll need the money from their account in the household funds so that they are able to spend money. So I quickly withdraw a random amount of money I think they will need for the outing, allowing them to actually buy what they want from the community lots. For extra immersion, consider adding a deco ATM machine, to simulate where your sims would be withdrawing their money from.

Just as promised, I told you how I would roleplay an eviction process, using this new renting system. If my sims cannot pay the rent, and they ask their landlord to an outing, if the landlord does not have a good time then I only get 1 sim month to leave the home or pay rent for both months. If the landlord does have a good time, then I imagine they allowed me to skip my rent payment for that month. If I still don't have rent money by the end of the month, I move my sim to a 10x10 empty lot somewhere in the world, and have my sim live out of a tent, or shady motel (set as a base camp), until I can afford to move into another home. If I choose to live in a motel, while the base camps are free to stay in, I create a custom role titled "Motel front desk", open that sim a bank account, and then pay them $100 weekly, while this is still a payment it is much cheaper than my sims rent that we couldn't afford, and still allows me to roleplay money being lost. If I don't have to be completely homeless then I won't, if I have $0, then I will.

nraas consigner

nraas register

Nraas Consigner and Nraas Register are essential mods that address the shortcomings of the register systems in the base game. Consigner enhances gameplay by introducing the option to make all items consignable, simulating a realistic thrift store or pawn shop experience. Meanwhile, Register adds extra checks to ensure Sims are correctly assigned, along with providing additional population controls beyond the capabilities of Story Progression. Whether or not you utilize other mods, these fixes are indispensable for enhancing your gameplay experience.

Exciting Update Alert!

@olomaya on Tumblr is currently developing an innovative new renting system for the game, which promises to offer Simmers a wide array of options for money roleplaying. This upcoming system represents a significant evolution in gameplay mechanics, potentially replacing older systems and providing fresh opportunities for immersive financial management.

Stay tuned for a comprehensive guide on this mod, which will delve into its functionalities, compatibility considerations, and potential replacements for older mechanics. Until this mod is developed, playtested, and released, I'll be using this system that I have set up and just showed you guys in this video!

So this concludes everything that I wanted to show you guys! You now know how to set up a more realistic billing system. Renting/mortgage system. You've learned how to add and roleplay more complex money gaming mechanics. You've overhauled your wage system, as well as your cost of living economy in the world. And none of these are too overbearing, with just a little bit of set up, you'll have an ultimate realistic economy and money system in your sims 3 from now on! Thank you all for joining me, thank you for 600 subscribers, and thank you for your love and support! I'll see you all in the next video!

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