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and it is especially true afterwards. If you cannot afford your level 40 Trait book (i. e. 1g) at level 40, you are doing it wrong. And not only are you doing it wrong, you are literally throwing real cash money away too.
First, some perspective:
This sort of thing changes everything.
The 100 gem exchange rate has fluctuated up and down since release, but it has generally stayed between 34s and 24s pretty consistently. As of today, it is 25s 25c. Technically you can buy gems in increments as small as 1 gem, but I am using 100 gems as a convenient unit of measurement. As you might have noted, the cash exchange rate (in the US) is 800 per $10, or $1. 25 per 100 gems. Useful things like extra character slots will set you back $10, extra bank space $7. 5, and so on.
or you can buy them for 2g 2s and 1g 51s 50c respectively. Which I am about to do as a level 25 character. Here are my main methods: Step 0: Low-Hanging Fruit
Sell your Unidentified Dye.
At the time of this writing, this item is selling for 6s apiece and you likely have accumulated 5+ by the time you reach level 25. While you may actually be a person who likes tweaking the colors of your character, in my opinion using these items instead of selling them is a losing proposition. Dyes are character-specific NOT Account-Wide, the dye colors you get are random, and since they are selling for 6s apiece, you are paying almost $0. 32 each time you double-click.
Many of the good colors like Black are going for 2g+ by themselves, but rolling that dice is like scratching lotto tickets. And besides, if you follow this Step and the others, you will likely accumulate enough money on your own to straight-out purchase the colors you want instead of getting yet another Key-Lime Green Dye.
Assuming, of course, you want to spend $10 to make your toon wear a darker shade of black in the first place.
By the way, the Transmog tokens are selling for ~50c as well, which is likely of much better use to you than making your sword look fancy for two levels or less when you get another upgrade. Step 1: Stop Salvaging
The first instinct you should develop is a desire to VENDOR every non-upgrade piece of equipment you pick up instead of salvaging. Getting 25c for that sword may not sound like a lot of money, but four of them is 1s and that quickly starts to add up. When you salvage, what you are really doing is spending ~3. 5c to destroy a 25c+ item into 1-3 crafting components which damn better be worth more than 9c apiece or you are literally throwing money in a hole.
Sometimes Salvaging will indeed net you a profit. Cloth armor below level 20 will typically salvage into Jute Scraps, which are selling for 24c or more. Some low-level heavy armor will similarly salvage into valuable 17c Copper Ore.
Another thing to keep in mind are the Runes/Insignias/etc in Green items many are generic, but some sell for 1s or more by themselves. You will likely have gotten a few Black Lion Salvage Kits from 100%ing zones or doing Story missions, so this is the situation in which to use them effectively. Step 2: Stop Crafting
I can understand that this will be tough for people to internalize even Im having a hard time resisting but between a globalized Trading Post and sanctioned RMT gold-buying, crafting simply makes no sense. Arguably, it never made sense in a game without endgame gear progression, and absolutely makes little sense in the asinine crafting model that ArenaNet is offering.
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