Food
0 Bread and Water (SL would pay Contestants for the first week, probably in advance)
Why bread and water instead of MREs? Both are 0 credits and MRE's have the multivitamin (and hopefully a better taste)?
Entertainment
-5 Cellphone
-30 Laptop
>> -5 Workstation
-5 Education
-60 Teleporter
-15 Personal Teleporter
Given the level of munchinery Taylor's doing, why not include Lifelong Learning with Education? Won't be that hard to get the 15 credits especially with:
Jobs
25 Internet Celebrity (d/n)
30 Gravure Model (d)
30 Waitress; Maid Cafe (d)
25 Shitposter (d/n)
25 Professional gamer (d/n)
Part time (+5 credits) - You will be working part time. The number of hours you work a job is cut in half at the expense of half pay and half credits, rounded down. Applies to individual jobs. Cannot be taken with Owner or Harem owner
Applying Part Time to a job cuts the credits in half, rounded down, so 25 credits/2 = 12
credits + 5 (from selecting Part Time) = 17 credits.
2x jobs at part time = 17 * 2 = 34 credits.
which takes up the timeslot of one job, for a net gain of +9 credits.
For model and waitress: 30 / 2 = 15 + 5 = 20 *2 = 40 credits, for a net gain of 10 credits.
Now, take part time on all 5 jobs and:
17 * 3 = 51
20 * 2 = 40
51 + 40 = +91 credits total, with 8 hours instead of 16 hours taken up.
125 credits from previous setup - 91 means we're down 34 credits at this point.
Now taking this further:
Add in a few more jobs, most notably:
Magical Girl (Taylor does want more powers to be a superhero with after all, amazed you didn't include this already, especially with the magical girl owner already).
+17 points for Part Time, 3 hours
+10 points for having a Magical Girl Job with the Magical Girl Owner.
+27 points total.
Pastry shop (another safe, no-sex option)
+ 17 points for Part Time, 3 hours
So with the jobs all part time, and those 2 jobs added:
91 credits + 27 + 17 = +135 credits, with 2 open job hours.
To break even with the previous setup.*
*+10 points bonus to Magical Girl Owner because of Magical Girl Job.
News Anchor Part time = +17 credits, 1 hour
Street Cleaner = +17 credits, 1 hour
And all job time slots are taken, Taylor gets Magical Girl powers, and there's a net gain of 44 credits.
Lifelong Learning + Personal AI = 30 credits (20 credits if you get Own Will for the AI, which I'll note, you can
still do a full-reset to change its personality), with 14 leftover credits for whatever else Taylor wants, or to remove one of the negatives. Possibly fish for 1 more point and get Hyper-Immune system. One last option I can think of (although there are assuredly others) is replacing Small House with Apartment->House for -10 net credits; this would also open up more roommate options for more points.
There is one problem with your job setup though:
"Yeah," I said with a nod. "Pin-up girls. Swimsuits and so forth. They can't give me a G-string or make me go naked, because I'm pretty sure chastity belts are about as sexy as granny panties." It had been a bit of a mental wrench to pick that job, but with the body I was going to have, I was going to be suffering a lot fewer issues. And if posing for the cameras in a swimsuit wasn't the best way to get over body issues, I didn't know what was.
Any punishments that would severely interfere with your ability to work will be temporarily stopped while you're working.
Taylor won't need to have sex, but she
will need to be out of the Chastity Belt. And probably naked.
I am genuinely curious about what kind of shitposting Taylor would do.
I'd guess shitposting about SL trying to screw her mother over, and how she was screwing them over in retaliation.
House is actually, by the PDF v 3.1.2, a modification to Apartment. Taylor is currently spending 15 credits for a house, with no specifications (basic Bedroom 0, Basic bathroom 0, basic living room 0 no kitchen).
Ack's following the 3.1.3 version:
https://img.fireden.net/tg/image/1517/78/1517787612943.pdf
Edit: Also, no penalty for more rooms, so go whole hog, 8 Bedrooms, 9 Bathrooms, at least 2 living rooms, all of which cost 0 credits, with no limits on living rooms (probably asking for 100 living rooms is pushing it on a "house". Empty rooms cost credits, but who says bedrooms need to stay that way, particularly once she's done with the show. And as a superhero lair/safe house, extra bedrooms for people that need protection/ teammates/family in hiding are always useful. I recommend Kaylie or John as neighbors to get the Home Gym, at least.
Or, you know, use the extra rooms for her eventual teammates, or as a safehouse for people she's rescued until she can return them home.
*edit- FUBARed the math for the jobs bit, fixed now.