When one joins a guild the first level is always free, but the succeeding ones
are not. So, let's say for example that you are going to reincarnate as a
tarmalen nun navigator (druid).. that is 35 nun, 30 tarma, 5 navi and 10
druid.

You will get the first level of each of those guild for free. Due to this - if
you want to save some hard earned money - you will take your guilds in this
order: full nun, full tarma, 10 druid and then navigator. If you, for some
perverted reason, want to lose as much as you can, you will join every guild
first and then advance in them in order of your personal taste.

This may not matter much to most of us, but when your budget is scarce, you
have ~100 levels to spend and you are going to join several guilds this might
prove to be an issue worth contemplating.

In our example, for maximum efficiency and pleasure you might choose to pick
slow reinc to save your experience points. You would probably want to join nun
guild (1 level) right after the reinc to save your might, tasks and stuff,
then join and advance in tarmalen guild (30 levels) to get the navigator
levels (5 levels) as quickly as you can to be able to move around easily.
Then... after days of grinding regain experience you might finally take the
rest of nun levels (34 at this point) and the druid levels (10).

The problem is: that will cost a lot more than taking those levels in optimal
order. I find this just silly. Please, make the first level of all guilds cost
just as the next ones and lower the cost of succeeding levels to even that
extra cost out. ...Or make all guild levels free for players under level 20.
After that one will not need to pay attention to the order in which to advance
in his/her guilds.

/C