Character upkeep1) is due every month, starting 1 month after the character is used/played the first time. The cost cannot be paid early, since it must be based on character level. Make sure to have gold ready on the due date!
A character who fails to pay upkeep cannot gain XP until payments resume.2) A loan can be taken to pay for upkeep.
Multi-class and dual-class characters pay upkeep as per their highest class level.
See Infection Checks.
See loans, moneychanger, and selling treasure.
A character who has not taken any game action for one month will not accumulate any additional upkeep or infection checks past the first month. This includes henchmen, but not hirelings. If any action is taken during a month, full upkeep is owed. This includes travel, interaction with NPC contacts, casting spells, and anything else that is prohibited during bedrest. Loans, domain costs, and hireling costs do not pause.Ex3)
If a player is returning from an absence they took for reasons of personal well-being, family, health, and so on, the DM should negate all upkeep, loans, domain costs, and any other such charges for that period. (Assuming the player lets the DM know upon their return – DMs do not have ESP medallions.) Without life, there is no gaming.
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