I cannot handle my economy as the Ottoman Empire, I have been in debt for 30 years.

[Ilhan]

https://ibb.co/99GkjsJ

[Exarch_Alpha]

Loans have consequences.

[Medicles]

Looks like a restart.

For the next game, stop using loans all the time. Only use them when you know how to pay them back as soon as possible. Usually with money you get from wars. Also use Burgher loans first, they only have a 1% interest.

[Marquoz]

I have literally never taken a loan as the Ottomans in the 10 years I've been playing them. Their economy is very strong. Don't build troops and ships over your force limit. Do build the income-producing buildings like workshops, manufactories, and temples. Expand into areas whose trade you can route home, like Egypt, Persia, and India.

It's extremely easy for the Ottomans to make a profit of more than a thousand per month by the 1500's.

[Malvastor]

What were you taking all those loans for?

That said, I don't quite agree that this has to be a restart. First see if you can refinance your loans (i.e. take lower-interest Burgher loans and repay old bank loans with them). The consolidate some of those devastated regiments so they can replenish more quickly and stop bleeding you out through reinforcement costs. Check your crownland, too; if I'm not forgetting my icons you've got one indicating that your crownland is below 30%, which will drive up your local autonomy and cause your provinces to give you less income. If that's the case, seize land (ideally) or develop (not ideal) to get yourself back above 30%, and then go around lowering autonomy anywhere it won't cause a revolt.

Once that's done, see where you are income-wise. If it looks like you're approaching the positives again, I'd fight a war against a rich target and take as much money as you can get out of them to pay off any remaining loans.

[Medicles]

Originally posted by Malvastor:

What were you taking all those loans for?

That said, I don't quite agree that this has to be a restart. First see if you can refinance your loans (i.e. take lower-interest Burgher loans and repay old bank loans with them). The consolidate some of those devastated regiments so they can replenish more quickly and stop bleeding you out through reinforcement costs. Check your crownland, too; if I'm not forgetting my icons you've got one indicating that your crownland is below 30%, which will drive up your local autonomy and cause your provinces to give you less income. If that's the case, seize land (ideally) or develop (not ideal) to get yourself back above 30%, and then go around lowering autonomy anywhere it won't cause a revolt.

Once that's done, see where you are income-wise. If it looks like you're approaching the positives again, I'd fight a war against a rich target and take as much money as you can get out of them to pay off any remaining loans.

Yeah, but come on. Someone who is that much in debt in 1460 doesnt know the game well enough to work against it. I agree that it is a repairable situation, but for him it would just be a waste of time and restarting to learn how to not come into this position should be better.

[Rialm]

At the beginning, I usually stop maintaining some of my forts. Fleets at the beginning specially with Ottomans, almost unecessary. About your loans, I've no idea how you got so much debt.

Honestly start back and ask your self why so much debt you ended up taking. If you feel that your army is to big, and unnecessary just disband some units.

[Octopuses]

Also, it's completely unnecessary to give monarch power privileges to estates as Ottomans. Better to keep the crownland up so you don't get lower autonomy which would mean much less money and manpower.

I wish people wouldn't give beginners advice to do this, especially with countries that swim in monarch power.

[Malvastor]

Originally posted by Medicles:

Originally posted by Malvastor:

What were you taking all those loans for?

That said, I don't quite agree that this has to be a restart. First see if you can refinance your loans (i.e. take lower-interest Burgher loans and repay old bank loans with them). The consolidate some of those devastated regiments so they can replenish more quickly and stop bleeding you out through reinforcement costs. Check your crownland, too; if I'm not forgetting my icons you've got one indicating that your crownland is below 30%, which will drive up your local autonomy and cause your provinces to give you less income. If that's the case, seize land (ideally) or develop (not ideal) to get yourself back above 30%, and then go around lowering autonomy anywhere it won't cause a revolt.

Once that's done, see where you are income-wise. If it looks like you're approaching the positives again, I'd fight a war against a rich target and take as much money as you can get out of them to pay off any remaining loans.

Yeah, but come on. Someone who is that much in debt in 1460 doesnt know the game well enough to work against it. I agree that it is a repairable situation, but for him it would just be a waste of time and restarting to learn how to not come into this position should be better.

Fair enough, but I think the steps to pull out of the debt spiral are a useful thing t olearn.

Originally posted by Octopuses:

Also, it's completely unnecessary to give monarch power privileges to estates as Ottomans. Better to keep the crownland up so you don't get lower autonomy which would mean much less money and manpower.

I wish people wouldn't give beginners advice to do this, especially with countries that swim in monarch power.

Agreed. A player with some experience can take all three privileges day 1 and navigate getting their crownland back. For a new player there's no rush and they can stand to wait until they have excess crownland.

[bri]

Originally posted by Octopuses:

Also, it's completely unnecessary to give monarch power privileges to estates as Ottomans. Better to keep the crownland up so you don't get lower autonomy which would mean much less money and manpower.

I wish people wouldn't give beginners advice to do this, especially with countries that swim in monarch power.

There's no reason not to, just don't be stupid about it. Monarch points are still the hardest "currency" in the game to come by even for the Ottomans.

[Kapika96]

You shouldn't have that many loans!

Are you using Janissaries? Don't. They cost more to reinforce than regular troops and their benefits are nowhere near good enough to justify the negatives they bring. Consolidate your troops often too. Hold down shift when consolidating so it doesn't delete the 0 troop units. The less units you're reinforcing at once the less it will cost, so if you consolidate your units then reinforcement will take less of your money, it can be the difference between taking a loss or making a profit in a month.

Probably worth looking into what buildings you build. I see you're currently constructing marketplaces. Marketplaces aren't that useful, especially as Ottomans. Once you start conquering the Balkans you should easily dominate the Constantinople trade node. Power % is what matters, not power. If you have nearly 100% of the power in Constantinople anyway then it doesn't matter whether it's 100 power or 1000. So marketplaces aren't really that useful there. Temples and workshops are likely to give you a better return on investment.

Might be worth looking at how you expand too, you have no subjects! Ottoman eyalets are crazy powerful and it makes a lot of sense to use them. Especially in places like Syria. Personally I always take just 1 Syrian province, release them as a vassal, promote to eyalet, then use a reconquest war to take the rest of Syria. Significantly lower AE, and eyalets contribute to your economy (providing they're under 50% LD) and can join you in wars. If you don't have the governing capacity to fully state the land then eyalets will be far superior than having it as territories too. You also have 1 province of Wallachia, which seems kind of pointless. If you want Wallachia it's best to use the invasion CB to just make the whole of them an eyalet in one go. Although really targeting Serbia first makes sense, there's a gold mine in Kosovo which will help your economy a great deal. Conquer that early and make it a state/full core.

[Vetgirig on Linux]

Half your costs is maintainace of army. Slide slider to min and stop paying down corruption (use piety interactions for that) and delete 3 forts and you will be making money each month.

[bri]

Originally posted by Vetgirig on Linux:

Half your costs is maintainace of army. Slide slider to min and stop paying down corruption (use piety interactions for that) and delete 3 forts and you will be making money each month.

Dropping maintenance (including some forts) while not at war would certainly help but his real issues have mostly already been pointed out. The 1d/month on corruption is no big deal/ It's the 12d/month interest that is outrageous, and using money to build marketplaces (or any other buildings really) when you have that many loans outstanding is just silly.

[Ilhan]

Originally posted by Exarch_Alpha:

Loans have consequences.

I don't do it deliberately. As I go under 0 Ducat, the game automatically takes out.

[JVC]

Originally posted by ilhanmete:

Originally posted by Exarch_Alpha:

Loans have consequences.

I don't do it deliberately. As I go under 0 Ducat, the game automatically takes out.

It does. So you can't afford to keep your army and navy maintenance at 100% until you get stuff sorted out.

[bri]

Originally posted by ilhanmete:

Originally posted by Exarch_Alpha:

Loans have consequences.

I don't do it deliberately. As I go under 0 Ducat, the game automatically takes out.

Sure, but in most cases you can control your monthly balance to keep your balance from going below 0.