Player Character Creation Part II
Everyone will begin play with 300 gp worth of gear. Do not save your cash. You should have no more than 15 gp left over after buying your starting gear.
If you have the scribe scroll feat you may create scrolls at 75% of the market price (instead of 1/2 market price plus XP).
If you have points in a craft skill you can attempt to use your craft skill to craft an item at 1/3 of the market price. See the SRD or PHB for rules on crafting items and the DCs. It is unlikely anyone could successfully craft a masterwork item (although it is possible). You could, however, save cash on normal weapons/armor if you wish.
I highly recommend buying mundane adventure gear in quantity, especially skill items (masterwork thieves tools, healer's kit, etc.) to assist you in the early levels of the game. Everyone should buy at least one light source; sunrods kick ass at first level!
I also recommend that everyone buy a potion of cure light wounds or two each to give the cleric a break on burning all of his/her spells for healing.
Basically, outfit your character as if you were going on a short overland journey to a dungeon of some sort. Your characters will not know what is going on when the adventure starts, but I won't penalize you by telling you nothing about the beginning of the game.
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