Dartmud has a rich culture filled with Noble Houses, Guilds, and unhoused Independents. These people, you included, make up the fabric that is Dartmud. Without the people and the situations they live in Dartmud wouldn't be nearly as interesting as it is. Eventually you may decide to take up residence with one of these organizations.
Independents
This is where everyone begins life. You are unaffiliated with any group, organization or guild. You have no responsibilities other than your own food and drink. But you also have few belongings and probably sleep on the streets.
As you progress and gain more belongings you might chose to rent an inn-room. There are a few inns scattered around, most notably the Blue Pearl in Soriktos. You now have a secure location for your gear and supplies and a home base. It is reasonably secure. Expect to have it broken into though, especially if you gain some wealth.
The downside to an inn is paying rent! Now you must make enough money to afford your room. Miss a rent payment and the Inn will confiscate your goods and evict you! As a young one you may be better off saving your precious gold for an Amulet and living on the streets.
More creative options are out there if you don't mind sleeping in a stable, cave, or other less traveled location. The key word here is creative. Move an arming rack or chest into a secret location and you have a free place to live! Just be aware that it may get looted.
Castles
The Noble Houses of Ferdarchi are home to groups of individuals allied for a common task. It is going to be a more secure place to live with the benefits of a knowledgeable group of people who can help you and you can help them. They are known as having some of the most talented crafters around and are a great place to learn a craft.
Castles are a structured group. You will probably be a 'trial' member before entry into the castle to make sure everyone likes you and you get along with the group. After that you'll swear fealty and be a sworn member with all benefits and risks. You may then sleep in a stable, but you won't have to worry much about getting things stolen.
As you are a member of a Noble Castle you will have a Baron or Baroness, Knight, and Master. Address them by rank until your are comfortable with them, some take it very seriously.
The biggest benefit is a group of friends who you can trust and who can help you out. The biggest risk is war. On occasion the Noble Houses find themselves at war, as such you are a target. You may also have to pitch in with rent. Castles must pay taxes, and they are expensive. You may not have inn rent anymore, but Castle taxes are even worse.
Guilds
Guilds are much like the Noble Houses but without the politics and war. This isn't saying life is safe and grand, anyone can be a target at anytime. The missions tend to be different: Healers heal, Rangers fight, Mages study, and Merchants craft and sell.
These attract people who may not want to get involved in the politics, or who find the mission to be more to there liking. The facilities will be similar and the members will usually be gifted crafters too. The 'trial' life will probably hold true here as well.
Taxes also must be paid by guilds as well.
There are many ways to live in Dartmud. Choose your path and enjoy yourself!
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