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I only buy quest stuff, some alchemy ingredients and possibly horse saddlebags if I find much better ones that I did not get for free yet.
You will only ever use witcher armor and swords 9/10 times anyway and those are crafted.
and now you can spam-buy and absorb all the crafting materials in the entire kingdom easy peasy
special non human witcher gear you can find and craft
see your journal there is a special entry for just witcher gear
The game economy is borderline broken in my book. There is no need for any gold, unless you ignore everything and loot nothing.
"Realistic and lore friendly"TM effort early on is trash because your MMO level is trash.
Then once you break level 10 things start to swing into "rusty sword. blackjack. blackjack... sword worth hundreds of gold. another axe higher than my level even though it is weaker than my current sword." and then random barrels full of empty flasks and water will sometimes ♥♥♥♥ out two identical dwarven swords claiming to be worth hundreds of gold.
You need to break into the double digit levels anyways to start using griffin gear people keep suggesting as it is. "Just use witcher gear!" won't help you when you can't equip it yet.
Money will still feel tight when you actually have to use it for a while due to it still loving to spam vendor trash instead of real loot at you, but treat it like an MMO and things get better the bigger your numbers are. More so without playing with a walkthrough holding your hand and you are paying hundreds of gold for better than a pitiful +30 inventory capacity ASAP instead of "I know where to unlock the horse race quest to get that better saddlebag for free is, therefore money so EZ"
Also the early main plot branched off sidequests spoon feed you more gold and experience just for talking to a guy then leaving as an exposition drive by.
"This is a realistic game, not like skyrim at all where they just HAND me experience! I didn't deserve more than 10-20 experience for cleaning out a monster nest on the side anyways."
*50 experience. 50 experience. 50 experience. repeat. For shining a magic lamp at ghosts giving doomed audiolog 'arg I am a peasant and I died!' exposition. 500 experience for watching a guy make out with his girlfriend*
Then you take a witcher board quest with twice the suggested level and make... 150?200?
In a pinch, don't forget that you can sell common monster parts and common flowers. I mean, you don't want to casually sell parts of rarer monsters, but drowners and wild dogs are numerous. If you have a decent Gwent deck, you can replay basic merchants and thrash 'em.
You may defer buying potion and oil diagrams, as some quests will lead you through areas with a lot of recipes at you. Depends on how patient you're feeling and how thoroughly you intend to search. You probably do want to pick up at least the basic Moon Dust bomb recipe if you're going to go after a werewolf, though.
1. I only ever use gear and weapons I pick up until I start crafting my own set pieces (Witcher gear)
2. I only find myself purchasing occasional herbs like Mistletoe when I am ready to make or upgrade a potion/oil/bomb. I also frequently purchase the alcohol needed for the White Gull, which is used to upgrade a lot of potions, bombs, and oils.
3. I tend to purchase all the formulas that I can from vendor, but if gold is a bottleneck can always not and loot them somewhere.
4. I purchase all the Gwent Cards available from Vendors.
5. Loot everything you can that isn't in front of a guardsmen. You can get tons of stuff this way, especially in large settlements like Novigrod. Less guards at night so easier to loot stuff too. But, anywhere, even the small settlements that have buildings have tons of stuff including alcohol, and alchemy stuff. This stuff can sell for a fair bit. Look for sacks and barrels outside of the buildings too to loot.
6. Collect Herbs. Most sell for 1 gold a piece, but some herbs are worth more. I sell everything I have in excess of 20 so I never run low. Some of the stuff like Ribleaf are common crops in harvest fields and you can find a ton of them close together in various areas. Herbalist huts frequently have their own gardens with a ton of herbs in close proximity to loot too. Unlike other loot they regenerate after a few in game days (Never check to see how frequent).
7. Depends on your playstyle, but if you have all the points of interests show on the map then check them out as many of them will be guarded treasure, bandit camps, smugglers cache (especially the ones on the water). Lots of loot.
8. Make sure you haggle for the contract quests and try to squeeze as much as you can in extra gold from the NPC.
9. For the fight clubs bet the max amount of money.
10. This may seem obvious, but it can be missed easily. Convert all your currency you pick up in florens and stuff with the dwarf in the square in Novigrod.