Rights of Membership
_____In addition to the basic rights, a Journeyman is further entitled to rights of membership. This includes the right to attend General Council, speak their mind, and have a full and equal vote in proceedings. Further, they shall have unrestricted access to the covenant's Main Library, and are to be granted the staff and supplies needed for scribal activities. Further, they shall have access to the services and skills of the servants and specialists of the covenant, their needs subordinate to those of a Master or of the covenant as a whole. Further, they shall be provided a sanctum with inviolate rights therein, and shall be provided the equipment and supplies needed for their laboratories and other mystical studies. All of their basic expenses are to be covered by the covenant.
_____For Journeymen, this includes Lab Upkeep expenses up to and not to exceed 3£ in a given year. Any excess is owed by the magus but may be placed on account against future expected earnings. Further, they may take an advance of up to three pawns of Vim (or other Form), placed on account against future expected earnings. A Journeyman is eligible to earn annual Wages of 3 pawns of vim plus 6£ of silver in any year in which they perform a season of service (not to be counted as one of the three exceptional service required for eligibility to be elevated to a Master). A Journeyman cannot be an Officer, but they can be a Deputy or Assistant Officer, in which case they are eligible to receive a Stipend of 6£ silver to help cover their expenses.
_____These rights shall not be abridged except by decision of the council under conditions of grave concern.
So I figure you can always do something in a season, and making charged items counts, to earn at least 3 pawns a year. And you can draw a good-faith loan of 3 pawns every year.