1. Ive read the guide, but damn, getting money at the start is either really hard (seemingly impossible), or takes a lot longer then i thought. Apparently i need 26K to get a winery? How do i get that 26K to begin with? As so far ive ridden around killing bandits, doing odd jobs for guild masters.
3. Bandits. Why is it that most bandit groups are: A.) 20 to 40 in number and B.) Seem to use bows exclusively? Starting out, this is what makes things seemingly impossible. I really don't have the cash to hire anyone, i really dont even have the money to upgrade my equipment, and im being pelted by arrows. I ended up having to cheat, give myself 4,000 shllings to buy shield and armor, and only THEN could i passably expect to kill bandits. WIthout a good shield, combat is not survivable against bandits. I can understand why couch lance damage was removed, and ive gotten really good at using a spear instead, but ...a shield... a shield... my kingdom for a shield!!!!!
Start by killing theows - they are the native looters ( you can also kill Clergy/pagan priests but you will lose honour and it will make some factions angry )
Anything beyond that ( Scotos, Franks, Dena pirates, bandits, deserters etc ) is out of your reach for the first ~30 ingame days .
Killing Theows will get you money , renown and equipment to get yourself started.
Start by buying shield, horse and lance ( saxon long spear for example ) - in that order !
Nice armour is fine but lance and horse will let you engage Franks and Bandits and they have some great loot and theirs prisoners are high valued ( i've once killed 28 Franks all by myself without even getting hit once thanks to a long spear, horse and shield

)
Town quests differ a lot - deliver Ale/Herd quest is nice but ransom daughter/deal with troublesome bandits can be nigh-impossible without a horse .
Skip village quests - they are not for the cash making.
Bounties from the tavern keepers also sucks - 300 schillingas for hard task of killing guys in mail shirts with swords, long spears and shields is waaaay too small sum of money ( not to mention relation loss with village )
4.) Misc features. Wagon train? What's that all about?
Rather pointless feature in early-mid game

.