Work, Money, and Debt

Most systems ignore how your character eats. This one tracks it, on purpose, because work and debt are the two most reliable ways to give a character somewhere to be and someone waiting on them.

It all lives on the Jobs and Expenses tab of your sheet.

Jobs

A Job is ongoing work you hold. @Missing file is the example, and it shows what a filled in job gives you.

The file names who you work for, who you answer to, who you work alongside, and where the work happens. Every one of those is a link to a real file, which is why a job is worth having. You are not just employed in the abstract, you have a boss with a face, coworkers who notice things, and a workplace the GM will keep sending you back to.

Pay is written in plain words rather than as a number, and pay is never automatic. It arrives on screen, it goes in your purse, and it can be short, late, or held back when someone wants leverage over you.

Losing work is a real consequence and getting it is a real reward. The status field changes the turn it happens, and old employers keep remembering you.

Expenses

If a job is how money arrives, an Expense is how it leaves, on a schedule, with someone waiting. @Missing file covers a financed vehicle, which is the most common case.

Each one names what the payment keeps, what it costs, how often it comes due, and who collects. It is linked to the thing it protects, whether that is a property, a rented room, or the right to keep standing where you stand.

The status field has three states, and the middle one is where the story is. Current means you are keeping up. Behind means you missed one, and behind is not paperwork, it is a plot. The property gets repossessed. The room gets locked. The people you owe stop being polite. Paid off is a genuine victory and usually worth a scene of its own.

Why this is fun rather than fiddly

You never do arithmetic. You just have obligations, and obligations put you in places at times you did not choose, next to people who want something.

Anything you owe or were promised also gets written into the campaign's Promises list, which is the GM's standing reminder to bring it back. Nothing you agree to quietly disappears. That is the point.