This is a great thing for those who do legacies and have a rough start. There are two ways. This is for Sunset Valley...
Way 1-Public Places
This is an easier, yet harder way (you'll see why) to live when funds are short. Below is a list of each place to go and its uses.
Central Park There are picnic baskets laying around, so you can grab a plate. Also, during the grill-a-thon, there is plenty of food to eat and take home. Keep in mind that they do spoil, so only take a single plate.
Library-Free books! Also, you can take the toddlers here to read them books and let them explore the children area.
Beach-There isn't much to do here, but you can get a free drink and get a "sugar rush" moodlet. A nice +15. Who wouldn't be happy after a sugary drink? Also, you can fish here, then use somebody's portable fire pit to roast and eat the fish, or you can sell them.
Way 2-Building a "Hotel" in Edit Town
This is probably the easiest way to live when funds are short. Follow this step by step guide...
Step 1- Go into Edit Town mode.
Step 2-Choose an empty lot and change it into a community lot if you need to.
Step 3- NOW, build on this lot the way you please and make it work like a sims "house". Add all the needs- Fridge, good beds, etc. Make it as fancy as you like.
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Hope this helps!!