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Rainy

FFXIV - FC Housing Loan [FULLY PAID OFF]

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LOAN PROGRESS

 

Original Loan Amount

30,300,000 Gil

 

Current Total Owed

0 Gil

 

Current Total Paid

30,300,000 Gil

 

MINIMUM QUOTA

4 people

6,250 Gil per hour | 4 hours of playing

25,000 Gil daily x4

2,500,000 Gil per month

 

LOAN TIMELINE

 

December 11
The FC Serendipity reimbursed Yojimbo 15,000,000 Gil.

Gretel reimbursed Yojimbo 600,000 Gil (personal debt of Hansel and Gretel ONLY).

 

November 28
The FC Serendipity reimbursed Yojimbo 3,800,000 Gil.

 

November 2
The FC Serendipity reimbursed Yojimbo 7,000,000 Gil.

 

September 29
The FC Serendipity reimbursed Yojimbo 2,500,000 Gil.

 

September 16
The FC Serendipity reimbursed Yojimbo 2,000,000 Gil.

The FC Serendipity spent 37,500,000 Gil on a First Class Medium Plot.

Kesyl gifted the FC Serendipity 1,000,000 Gil towards the purchase of a Construction Permit.
Yojimbo loaned Gretel 600,000 Gil towards two personal rooms (personal debt of Hansel and Gretel ONLY).

 

September 15
Yojimbo loaned the FC Serendipity 300,000 Gil towards a medium FC plot.

 

September 14
Yojimbo loaned the FC Serendipity 25,000,000 Gil towards a medium FC plot.

 

September 10
Yojimbo loaned the FC Serendipity 5,000,000 Gil towards a medium FC plot.

 

LOAN BACKGROUND

 

On September 10th Yojimbo Shigurui loaned 5,000,000 Gil to our Free Company to be used towards the purchase of a plot for housing. After a great deal of discussion as an FC, we agreed to accept an additional loan of 25,000,000 Gil on September 14th so that we could afford a plot that was medium in size. Our rationale was that we'd be engaging in the same activity that we would normally (raising Gil towards housing), but enjoying the benefits of housing in the process, while also having two gardens for income.

Yojimbo's loan has no interest and he did not give us a specific deadline on paying it back. However, he did request that we put forward a collective effort to do so within a reasonable timeframe. Prior to accepting his loan, I calculated a minimum balance that we would need to deliver every month as an FC. That amount came out to 2,500,000 Gil every month, or 100,000 Gil per day. Split four ways, that would mean four people contributing 25,000 Gil a day each; which could be earned solely through Roulettes. Four people could do an Expert Roulette together daily and dump that Gil into the FC fridge to fulfill the minimum balance.

Obviously, if this was our only effort put forward to pay back Yojimbo as an FC, we could hardly call it collective or committed. This was simply the bare minimum we calculated which would give us flexibility and breathing room. It goes without saying that we planned to organize weekly or monthly activities involving the FC which would bring in additional Gil collectively (Spiritbonding being one activity discussed). Garden income was also to be applied as a bonus towards the minimum balance pledged towards Yojimbo.

 

These terms were discussed at length and understood by all major players in the FC before we accepted the loan. There are hours of stream footage documenting it. There is no "fee" imposed on membership in the FC, nor is there a specific quota that every member is expected to contribute in Gil. But we do collectively shoulder the responsibility of meeting our minimum balance every month until the loan is paid off. Every individual effort made towards that end, no matter how small, is appreciated by everyone.

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FRIDGE INPUT
 
This is an attempt to keep track of the generous contributions and hard work of everyone in the FC!

 

I will try to keep this updated, but again, there will be gaps.

 

October 5, 2014

 

70,000 Gil - Gretel Schrodinger

200,000 Gil - Gretel Schrodinger

50,000 Gil - Milo Frater

 

October 4, 2014

 

100,000 Gil - Heart Strings

10,000 Gil - Mistah Linkey

1,000,000 Gil - Gretel Schrodinger

20,000 Gil - Yoenne Silmontia

 

October 3, 2014

 

30,000 Gil - Gretel Schrodinger

48,640 Gil - Gretel Schrodinger

100,000 Gil - Gretel Schrodinger

5,000 Gil - Traleice Chen

50,000 Gil - Milo Frater

 

October 2, 2014


25,000 Gil - Yoenne Silmontia

15,000 Gil - Hansel Schrodinger

200,000 Gil - Gretel Schrodinger

October 1, 2014
 

100,000 Gil - Heart Strings

120,000 Gil - Hansel Schrodinger

100,000 Gil - Milo Frater

11,822 Gil - Traleice Chen

25,000 Gil - Soleine Silmontia

200,000 Gil - Gretel Schrodinger
 
September 30, 2014
 
100,001 Gil - Heart Strings
20,000 Gil - Milo Frater
20,000 Gil - Hansel Schrodinger
7,681 Gil - Gretel Schrodinger
 
September 29, 2014
 
7,318 Gil - Traleice Chen
15,000 Gil - Hansel Schrodinger
1 Gil - Heart Strings
3,076 Gil - Traleice Chen
6,400 Gil - Traleice Chen
5,524 Gil - Traleice Chen
30,000 Gil - Hansel Schrodinger
80,899 Gil - Milo Frater
100,000 Gil - Hansel Schrodinger
1,500 Gil - Milo Frater
13,500 Gil - Milo Frater
 
September 28, 2014
 
20,000 Gil - Yoenne Silmontia
 
September 18-19, 2014

4,000 Gil - Milo Frater
1,000 Gil - Gretel Schrodinger
200,000 Gil - Eunae Yun
20,000 Gil - Hansel Schrodinger
30,000 Gil - Heart Strings
100,000* Gil - Doohickey Wigglebutts / Stabbitystrata
* Returned upon request when she left the FC.

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After 16 individual trades to Yojimbo, our loan was officially paid off today!

 

I was able to make a lot of the Gil this month by selling Platinum and Gold Promise Wristlets (Hansel also donated a Platinum).

 

The bulk of our loan debt however was paid off by all the hard work of everyone in the FC! Thank you everyone for doing your part to pay off this debt. Whether it was Treasure Hunting, Spirit Bonding, Mining/Gathering, or just putting 1,000 Gil in every day after an Expert Roulette, every contribution added up to make all of this possible! Thank you!!

 

:couchjump:

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