There seem to be vanishingly few items listed in the main book that have no requirement for resources. Is there a guide elsewhere as to what can be afforded when you have no resources?
- Anybody can ask a question
- Anybody can answer
- The best answers are voted up and rise to the top
Drawing from the indexes on WoD Canon Wiki and digging around my books.
Having Resource dots is almost essential for a nWoD characters. Choosing not to spend some of your starting 7 Merit dots or 2XP per dot, is asking to roleplay someone very poor. and this can be very fun.
Alternatively, your GM might say something like: "All Players start with Resources 2, you guys are working for X and that is what they pay you. If you want more, buy it with XP/starting dots and it comes from some other source such as a trust fund/internet venture/investments/other job. This is similar to to giving some extra starting XP.
What You Have
So Basic Needs:
Beyond your basic needs, you have the kind of things you might be able to find thrown out on the side of the street, or dropped and not picked up. eg sticks, strips of cloth, box of matches.
Most clothing is free, assuming it provides no mechanical bonus. Fashionable clothing that would give a social bonus has a price (though I don't know if it is listed anywhere; it is definitely in the God-Machine Rules Update, though that is a slightly different system)
What You Don't Have
To get an understanding of how poor a Resources 0 character is, it might help to consider the listed things they can't just go out and buy. There are some things we don't think about, that to enjoy this roleplaying experience you should remember you don't have:
However, Resources is only what you can buy
The Resources Merit only says what you can buy, not what you can have. If a Resource zero character gets into a fight with a gun-carrying security guard, and manages to win, he can pick that gun up and use it just fine. He is even allowed to go and pick a fight with the guard just to get his gun to shoot someone else. There is some discussion on that here.
So that is what it is like to have 0 dots of Resources.
Now one dot of Resources can get you a lot.
If you had one dot that is a car, some body armour, even a gun.
On the other hand: the Luxury Merit
There is also the Luxury Merit from Seers of the Throne page 52. It is not restricted to Mages. While Resources represents disposable income, on top of basics like food, shelter and transportation, the Luxury Merit represents having huge quantities/qualities of these basics. Luxury 2 has the assets of someone with Resources 5. This means they always eat at the best restaurant, always fly first class, get to drive really flashy cars and have a home for them in every city they care to visit. Luxury 4 adds to this helicopters at their beck and call, a large staff of servants, and access to almost any whim they may desire -- but not for Weapons or Cash. Luxury is often the result of a business/organisation paying for your needs. I always liked the idea of a Luxury 2, Resource 0 Archbishop.