Since having each player individually manage their wealth can be a bit tedious, I encourage parties to have a group fund with which they can use to purchase anything they might need. This makes resupplying and upgrading pretty easy, and prevents all of the minutia of passing gold around between players.
Instead of having one person save up their share of the loot to buy that sweet +2 sword they've been eyeing, the group can simply come to an agreement on whether or not the party would benefit from their fighter doing the extra damage to warrant the cost. This is also helpful for instances where characters might be indisposed, such as if someone is absent for a session or if the character dies. This way, the party can buy things on behalf of others in the group who aren't around, or who maybe can't voice their approval of using their money to have themselves brought back to life.
This also speeds gameplay. It's quite easy to simply say "We're going to buy items X,Y,and Z. It's all coming out of the group fund." It saves a lot of time worrying about who is paying for what, and with what money. it also makes dividing the loot a much simpler task in game. With less division going on, and less worrying about who looted which dead bandit, you can just list what loot is found, and add it all to the group fund.
Playing a game with the assumption of the party having a group fund makes planning much easier for the Gm as well. You don't have to worry quite as much about who is getting what loot, instead you can throw it out to the party and let them figure it out. Worst case scenario, they simply sell it and add it back to the group fund as money, no harm done.
I suggest you bring this idea up to your players if they haven't already considered it. It works quite well as a tool for fostering player cooperation and generally streamlining the game, and in the interest of tonight's show topic, I figured it was worth mentioning.
I hope you enjoyed this and the rest of the content by Digital & Dice. For more from me, feel free to check out my personal blog. Until next time…Game on Internets!
- Draconick, Digital and Dice Contributor
I, Nick “Draconick” Johnson, am a writer and roleplaying enthusiast with over ten years of experience in various tabletop roleplaying games both as a player and as a GM. I am also somewhat involved in other forms of tabletop gaming such as wargaming, board games, and card games. It is my hope that by creating and maintaining this website that I can share my unique take on all things within our hobby and to foster a community of like-minded individuals.