I guess it comes from my RL "be prepared" ethic but I really didn't have that much trouble with my merchant. I knew she was going to need money, and since I hadn't given her particularly helpful traits I knew I'd have to be on what I considered her "routine". Her fatal flaw was the worst, "hubris". That in particular got in the way, but even with that I just followed a regular schedule and everything went well, with her finishing in platinum. You get up the second she's mostly rested, you pee, eat, go immediately to the Shoppe, find the daily hot, buy as much of whatever you can, including things you yourself might want to put in your soup pot, stock, do the tasks and open for business later in the day. No matter what time of day you open for business the customers come in. Yes, it is a pain to get them to buy so I didn't rely on customers for my money. Every chance I got I fished and collected. On the way to the Shoppe I could collect three to four flowers, sell the flowers and grass weed and keep the seeds at the minimum. Oh, my very first day I just did the responsibilities right away and spent the rest of the day fishing and collecting so I had a "nest egg" and didn't go to the Shoppe till the very last moment. (Actually got a reward for finishing in the nick of time!) That first shopping trip I bought extra things, like eggs, onions, etc. Whatever was cheapest. Oh, and I sold off some of her household furnishings. I never noticed anyone buying that Raggedy doll for instance. I made sure she had mushrooms and barley in her inventory after having read that map thing and only worried about selling from her market stall when she absolutely had to. Not good business for a merchant I suppose, but the idea was to fulfill the quest in platinum.