Wages go up as you level, and again as you add members. Frugality (knowledge point) and Cooperative (path point) can mitigate this a bit.
And then you might get a fireside confession where the best option is to pay a risk bonus. Also Captains and lieutenants get a pay increase over standard.
Get the ability to negotiate contracts as soon as practical, so you can jack up your price to do a job (at the cost of some influence).