Dear Roland,
Every nation is the same in regards to ability and future potential, except in its resources. For example, I have gold and water, which is on the lower end, but still alright. The reason? Because the best way to Make money is to have a good trade set. With gold and water, I cannot obtain the "best" trade sets in the game.
Your resources are essentially on par with my own with fish/silver. Now, unless you plan to "reroll" (delete your nation, create a new one, for the purposes of "rolling" better resources), and you don't really have to, here's the basic idea.
1. Choose a trading sphere/team color. You are currently on No Team/Gray Team. As such, you have access to far fewer trading partners, so you will find that filling "ideal" trade sets is more difficult. Even more importantly, when you trade with a member of your own team, you will gain a +1 happiness bonus for each trade. +1 happiness equates to +$2 in basic income, and as you buy improvements, each happiness gain will give you +$2*modifier, so to Make more money, you Want more happiness.
Thus, first of all, you should switch to a color sphere because you don't get that happiness bonus on gray. I recommend black, as it contains the most nations and thus makes it easiest to send and receive trades.2. Now it's time to fill your trades. Remember, after switching to the black team, only trade with black nations to get the happiness bonus for each! If you intend solely to make money and minimize bill costs along the way, I recommend the 3BR (3 bonus resources) trade set, where your silver replaces gems as a wild card. This will turn out to be:
fish, wheat, cattle, pigs, lumber, iron, aluminum, marble, water, silver, sugar, spices. Of course, if you do take the advice given in this thread to engage in tech deals (you should, and I will explain that later), then you may prefer a more infrastructure cost reducing resource set. Take a look at what MFO has to say on the matter: This is a public guide, so you can just view it at your leisure:
http://www.mrfixitonline.com/viewtopic.php?p=257143. As you fill four trades, now you've got at least some efficiency going for you. Now is the time to buy enough infrastructure to gain 1000 citizens. With that requirement achieved, buy a harbor and now you gain access to one more trade. One more trade means two more resources, and possibly some bonus resources. The harbor is obviously the best improvement to buy. Now go ahead and fill that fifth trade.
4. In order to make money, your citizens need to be happy. If you have 0 land, perhaps you need to buy a quick fix to reduce your population density. With the resource water, buy enough land until the red warning goes away, and then you're alright. As others have said, adjust your tax rate for the highest collection (after just a few days, you'll get to the point where 28% is ideal). Set your government positions. Check that your government is aligned with what your citizens desire, or if that particular government seems to add an environment loss or in other cases isn't particularly good, choose something like monarchy, democracy, or capitalist... (just something with either happiness or environment bonuses, infra cost reduction is good...)
5. Now it will take quite a while to rise up the ranks on your own merit alone. The foreign aid screen is not necessarily used solely to gain handouts. It can also be a business. When others recommend tech selling/dealing, they mean that you buy 100 tech and send it over two consecutive aid packages to a nation like my own, where tech costs a million dollars a pop, or $100million for 100 tech. In return, I pay you $3million. A great deal for me, to be sure, but also a great deal for you. That tech costs you less than $1.5million total.
So again, contact large nations like my own, or use the trading harbor on these forums, to request a deal as follows: $3mil for 100 tech.
Buyer sends you $3million. 10 days later, you send buyer 50 tech. Ten days later, you send another 50. End transaction. (Extra detail, always hold on hand 50 tech for increased collections. When you send an aid package, buy another 50. You'll have to buy it anyway, to send, might as well buy it early and take advantage.)
If you fill all four of your slots like this, you will earn $1.5ish mil each month for each slot, or about $6mil in a month. Far more than your small nation currently is able.
6. Improvements: now beyond the harbor, gov positions, and tech dealing, you can still make more money. As you buy infrastructure, you gain access to more improvements. Noting your tech deals, one stands out: the
Foreign Ministry. Using this, you can open up another aid slot and make an extra $1.5mil each month. For further reference on improvements beyond the harbor and foreign ministry, check out this information:
http://www.mrfixitonline.com/viewtopic.php?p=250037. Oh right, and for now,
INFRA INFRA INFRA is the key. Infra gives you citizens, which means more money, which also means more improvements, which means more money. Don't waste money on tech besides for tech deals. Don't waste money on land except to keep your citizens happy. Don't buy a huge army, just buy a minimum 20-30% of citizens. Buy INFRA.
I hope that helps you make money, Roland. Like the others, I recommend joining an alliance, not for handouts, but for knowledge, camaraderie, and protection. If they like you and think you will improve their alliance by being bigger, faster, stronger; then they will give you the tools and cash you need to help them. It's not necessarily a handout if they hope you return the favor somehow. You can think of it as another business transaction.
Feel free to ask me any further questions. I'm also readily available at www.mrfixitonline.com/cybernations (my own alliance forum).