How to manage economy / fincances?

[Steuerfahndung]

Hi all,
i started as Union in Spring 1861 and somehow I am constantly loosing money.
I am already having a BB- Rating in April/May and although I seem to have a surplus I am still loosing money.

The finances are on auto-manage and I did not change anything here at all.
I also bought/build up only 4 river boats and 2-4 infantry regiments (no armys).

How can I stop loosing money and start making money?

I am facing up to 40 k enemy soldiers and with this economy I don't dare to build up new troops.

[Pusteblume!]

I tried a non-deficit econocmy (by only imposing policies that give you money, increase credibility etc.). You still cannot go positive, at least not at the beginning of the war.

The thing you have to keep in mind is this: you can alway take new debt, this will just increase your interest costs - but as long as those are below any new credit you can run free.

This is in fact not unrelaistic: you just need to be able to pay your interest, not be able to alway have a surplus.


....so: go wild, buy those armies ;)

[Steuerfahndung]

Okay good to know, but as I know I loose the game if i get a lower rating then B.
I wanted to stop the Rating downgrade, as i fear to loose the game by the End of 1861 :D.

Currently i have a surplus of - 45 M with only 32k fielded manpower

[Joe]

I'm not convinced by the whole economy and finance system. Whether you spend almost nothing or hundreds of millions it doesn;t seem to make any material difference.

[Duck]

Originally posted by Steuerfahndung:

, but as I know I loose the game if i get a lower rating then B.

this is not correct. the only way you lose is if the national morale drops below 25.

Credit or debt has no impact on outcome.

If you drop Credit below "B" the impact is you will not be able to raise new brigades. But lets say you hit B- or CCC. Fight with what you have. The game will manage your finances to try and get back to B. And if it just wont get there, implement some fiscal policies so you can use the print notes acts

[Steuerfahndung]

Originally posted by Duck:

Originally posted by Steuerfahndung:

, but as I know I loose the game if i get a lower rating then B.

this is not correct. the only way you lose is if the national morale drops below 25.

Credit or debt has no impact on outcome.

If you drop Credit below "B" the impact is you will not be able to raise new brigades. But lets say you hit B- or CCC. Fight with what you have. The game will manage your finances to try and get back to B. And if it just wont get there, implement some fiscal policies so you can use the print notes acts

Thank you for that correction. Is there any other way then policies, to influence the economy? If yes, is there a dummy guide for that?

[Duck]

Originally posted by Steuerfahndung:

Originally posted by Duck:

this is not correct. the only way you lose is if the national morale drops below 25.

Credit or debt has no impact on outcome.

If you drop Credit below "B" the impact is you will not be able to raise new brigades. But lets say you hit B- or CCC. Fight with what you have. The game will manage your finances to try and get back to B. And if it just wont get there, implement some fiscal policies so you can use the print notes acts

Thank you for that correction. Is there any other way then policies, to influence the economy? If yes, is there a dummy guide for that?

policies and the subsidy sliders are the only ways that i am aware of

[Hexagoros]

Originally posted by Steuerfahndung:

Okay good to know, but as I know I loose the game if i get a lower rating then B.
I wanted to stop the Rating downgrade, as i fear to loose the game by the End of 1861 :D.

Currently i have a surplus of - 45 M with only 32k fielded manpower

You won't lose if you hit B-

You just won't be given any new credit/debt, which in turn means you won't be able to buy new units. You WILL still be able to fight with what you have.

Obviously, not being able to buy new units is a big deal if the enemy still has a lot of fight left in them.

[Fred Sanford]

I try to recruit as many 1/2 strength brigades as I can until I run out of either volunteers or credit. Then I implement a draft to bring all the brigades up to full strength. At that point, even if credit tanks and I can't raise new brigades, I still have a large army in the field.

[bylandt11]

Originally posted by Joe:

I'm not convinced by the whole economy and finance system. Whether you spend almost nothing or hundreds of millions it doesn;t seem to make any material difference.

My impression as well. Never experienced any consequences of the economy.