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You're chasing looters but can't catch them. What is your speed and modifiers?
How many troops do you have that you can't feed them? Grain and fish cost 10~ per, even less in some villages.
You have no money at all? What day are you on, what rank? There is also multiple quests everywhere, and frequent tournaments. All available during peace.
Edit: especially don't stick with one faction as you don't want them to get too strong and snowball the map.
Horse hockey.
If peace breaks out, you can bust bandits and trade for fun and profit.
If you cannot catch looters and bandits, that's your fault, not the game's. Get a good scout, get some horses (real horses, not those crappy sumpters), cut back the crap you are carrying. Steppe bandits and desert bandits are hard to catch, but you should be able to get to where you can catch everything else.
Other ways to speed things up -- Set the Map Movement Speed in Campaign Options to Very Easy (10 percent maps speed bonus), and make your character a Khuzait (another 10 percent bonus).
And then there are bandit hideouts. These do not move, so you don;t have to catch them. They patiently wait for you.
Do quests for NPCs; those give money.
Buy a workshop or two. Try tanneries or wool weaver.
Reduce the size of your army to what you can afford. And you do not need expensive T5 and T6 in the early game.
Go trade ♥♥♥♥. Buy desert horses and sell them to the Sturgians and Vlandians, Buy olives and dates in Aseria and sell them to the Sturgians.
And you can smith stuff and sell it. You don't have to cheese 130k javelins if you do not feel that is right, but you can easily pick up a little coin making even cheap ♥♥♥♥. Smelt all those junk weapons you get from bandits and looters into raw materials and make better weapons.
Money:
1. Tournaments - Bet max each round and sell the prize, provided you can win reliably. Even on realistic settings, winning over 90% of tournaments is easy enough with practice.
2. Village/Town quests - Inn and Out(Requires 1000 Denars to accept, awards 2400+), Gang Leader Needs Weapons(No req, costs ~800-1500 Denars to complete, awards roughly double). These two quests specifically are good money makers early on that don't require.
3. Trading - Learn easy and reliable trade routes. Askar always has sumpter horses, mules, desert horses, or aserai horses for cheap. Valandian cities usually needs horses. You can generally double your investment on a single trip.
4. Bandit Camps - Mountain and Desert bandit camps can be done with recruits, and the Desert camps can usually be done solo. Check nearby villages for the Nearby Bandit Camp quest, and then raid it. Duel the boss at the end. You'll end up with food, loot, and 10 or so prisoners to sell off. And speaking of prisoners...
5. Prisoners - Buy a blunt damage mace. As soon as the enemies are running in battle, trot along next to them and start cracking skulls. Collect your prisoners and sell them off. If they are looters/bandits, you can also find a Village Needs Manual Laborers quest and turn them in there.
6. Caravans - Establish these passive income generators as soon as possible. They should be your first purchases in a game, preferably before you've even started gathering troops, and your first companion/s should be strictly for establishing caravans. Caravans can generally be started anywhere, and while I have not done a comparison of survivability, I generally splurge for the better troops.
7. Workshops - You should browse the goods for sale in the city where you want to establish the workshop. If the town has hundreds of grain for sale, set up a brewery. If it has lots of olives, build an oil press. You can check nearby villages as well to see what they produce, but I find that workshops that already have a supply of materials available for purchase in the town get to higher and sustained profitability significantly faster. Market Dealer(Trading 50) and Sweatshops(Steward 75) also greatly enhance returns.
Speed:
1. Riding Traits - Nomadic Traditions(75), Sweeping Wind(100), Riding Horde(175). The effect of Sweeping Wind is minimal, but the other two drastically reduce common penalties to your party's speed.
2. Horses in Inventory - Keep one horse in your inventory for each foot troop, or better yet keep one of your faction's regular horses(i.e. Desert for Aserai, Steppe for Khuzait) in inventory for each foot troop. The faction note is optional, but it allows you to complete the Noble Needs Horses quests from nobles of your faction as you encounter them for easy faction/money. With the above Riding traits and a horse for each infantry, you can hit 6+ speed with an infantry party.
3. Weight - It's obvious but still deserves attention: keep your cargo weight less than your max carry weight. If you haven't done so, click the arrow in the bottom right to expand the statistics for your party so you can view your movement speed and modifiers.
thanks for your effort on this, some things you should note.
1: my tournament winnings are nerfed because I farmed tournaments to hit clan tier 1.
2: I can't buy workshops or caravans because I have no money.
3: I have plenty of excess horses, plus my carry weight is something like 256/2100
4: I was attacking enemy lords for weapons to smelt, raw gold, plus prisoners.
5: I admit I didn't leave the Khuzait lands looking for quests, but all the quests I could find are bring us tools, bring us food, train troops for us, or bring us laborers. which would be fine if I could afford to buy tools, or food, or catch looters to train troops or catch laborers.
6: in all the versions of the game I've played, this is the first time I've lost a game to bankruptcy.
i make swords that goes for 40k or up to 100k
Farming tournaments isn't the same as warband, it doesn't nerf the winnings, just the betting winnings slightly. The item you receive is still based on inventory of the town.
smelting items isn't beneficial for the materials, people do it to use the materials for smithing to create items such as javelins that sell for hundreds of thousands.
Labourers are any bandits. So you'd be training troops, whilst getting captives. grain is dirt cheap. All of these are symptoms of your mistakes, not genuine problems.
Khuzait lands also have the hardest bandits, steppe bandits. These will make getting forces hard and not cost-effective. Steppe bandits aren't the same as looters, they're mounted and move quickly.
Can you provide a screenshot or an explanation of your movement speed? Hover over it to see all of the multipliers.
The Early game still has economic issues impacting the player that TW is apparently relying on Blacksmithing to "fix" until they get around to actually fixing it with some kind of decent mechanic. I'm betting on Workshop Levels to help with that.
But, there's only one major factor that can truly result in becoming bankrupt in the early game with few options - What is your Party Size, Average Troop Tiers, and total Wages?
A party that you can not financially support is not doing you any favors. Every monies you're spending on those wages represents an "opportunity cost." IOW - You're throwing good money away for bad in a situation where that money could be put to better use in Trading or, yes, even buying decent Workshops.
Or... Blacksmithing. It's still there available for exploit because TW doesn't want to examine gameplay experience issues yet...
Check to see if you're being impacted by the "Herd" movement debuff. Reduce your riding horses/mounts to be around equal to your foot units and then reduce baggage animals until that debuff goes away.
But, you're still going to get movement issues related to Party size - Big parties just can't move as fast as some bandit groups. Khuzaits get hit by Desert Bandits quite a bit and catching those groups is basically the only thing small Aserai Lord parties (or subfaction parties) are decent at doing...
Who's doing the Scouting? It's one of those either/or situations - Either a Companion is assigned to it, which is my preference, or you need to have a good Scouting score. You'll need good Scouting to get better movement speed. Also - Your character culture could come into play a bit to give you some small bonuses in certain terrain.
You are not alone.
The same situation happened to me and I just quit in disgust... I did "everything right" and because the faction I had chosen to join (Sturgia, yay...) was put in the situation of being at permanent peace with everyone, my game was effectively "over." In order to keep playing, I would have had to have left my chosen faction to play as a Lord in a faction I didn't want to play in. :/
That's not "sandbox" game. That's a "%^^#% U!" game.
Recommends:
1) Reduce your party size. It doesn't matter, since you're not at war with anyone anyway.
2) Min/Max your mounts for that new party size. If you still have a Herd debuff, reduce baggage mounts until it goes away.
3) Use the savings and the loot you can now get from Bandits at this reduced party/mount size speed to fund the purchase of two Workshops. Be sure they're well supplied with their raw materials, the Towns are in good "trade route" sorts of locations so they get frequent caravans coming by, and that the Towns are strong, prosperous, and not likely to be successfully besieged any time soon.
4) While doing 3, also do Trade. Because of the location of some of the Khuzaiti towns on the far East of the map, you should be able to get some decent prices on rare trade goods. Work a route along the Eastern edge from North to South. Don't waste a lot of time with "long" routes constantly, just do one of those every once-in-awhile.
Note: OR... If you don't mind going to another faction, do that. Find one that is at war and let TW's Bannerlord dictate what is a viable playstyle for you during this particular playthrough...
PS: Factions are supposed to get more aggressive if the player joins them. At one time, this mechanic was going a bit overboard. I'm not sure how it is right now, though. You should make sure to create another save so you can test out some options, like joining as a Lord. That might help increase the aggressiveness of the faction. Though, in my experience, if they're overwhelmed by neighbors who have successfully obtained Tribute from them, it's not going to do much. :/
I don't want to tell you that you are just doing things wrong, but, for comparison, my approach to a new game is to basically spend the first year solo, only hiring recruits temporarily as needed for fodder for bandit camps. This keeps costs down and allows you to build the money you need to establish income sources.
My first purchases in any game are a horse, a crossbow, and two stacks of bolts, even if I am not playing a crossbow character. The crossbow does not suffer accuracy penalties at lower skills, can one shot looters with a headshot, and rapidly raises your riding skill. This weapon alone will carry you through your solo time. You can add in a swingable polearm for easy bandit lord dueling as well. Just overhead swing it while they are still unsheathing their weapon.
I travel around hunting looters, completing quests, fighting in tournaments, and clearing bandit camps, typically in Aserai territory. Desert bandits only have a single unit type with a ranged attack, and those units only appear in very limited numbers if at all. Their parties can also be avoided easily when solo.
Once I have a riding skill of 175, I start some more serious trading. Even with a horde, I can still maintain a party speed of 5.1 which is enough to avoid any bandit parties except for steppe bandits, which tend to be rare in the areas I typically operate in anyway.
Once I have 15k denars I buy a workshop in a city of the faction I plan to join. Another 15k, another workshop in a different city. If I am still Clan Tier 1 at this point, the next money goes towards hiring a merchant companion, outfitting them, and starting a caravan. Otherwise, another workshop. Income sources are the ONLY thing you should be buying prior to Tier 2 other than the crossbow and anything you are actually trading or need to complete a quest.
By the time you hit Clan Tier 2, you should have 300 to 500 or more in passive daily income. Now you can look at actually getting some troops and joining a faction. I hire a companion that will be a good fit for my first governor, outfit them, create a party for them with at least 40% of their max troops, and have them rejoin me in an army. Then the above basically continues: I hunt looters, clear bandit camps, do quests, and trade while building up my stewardship, leadership, and medicine skills. I add workshops and caravans as my Clan Tier permits. I don't tend to participate in wars early on for the faction, and if I am given a castle in enemy territory I give it back. You want your first fief to either be in your faction's territory, and thus easier to defend, or be a town that will bring in greater revenue.
At this point where you have a fief that you should be able to hang onto relatively longer term providing a reliable place to store troops and greater income, the options really open up. You can start to look for a spouse, participate more heavily in your faction's wars, work on skills, trade, better your equipment, and basically live your life.