Moneyscape

I hate spending my money mostly because I hate standing around making it.

As general principles:

I pick up everything that drops from what I kill.
I raise skills in ways that help other skills go up (ie I don't power mine granite)
I don't care to merchant.

Currently, I have my Kingdom of Miscellania set on coal and flax. Sometimes on coal and herbs. Rarely on maples. Depends on what I look to be leveling. Once a week I sell off a ton of coal and use that to raise my coffers in Misc again. I take everything else (gems, herbs, seeds, logs, flax) and use it to level. I'm pretty happy with this.

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