The standard money will be the money of the country you in for example Britain is the pound and America the Dollar this will be treated on a 1 to 1 equivalency however to change between them in a 10% fee most of the time.
One British Pound is equal to 1 gold for pricing purposes. and the average weekly wage for a labor is 2 pounds a week
1 silver is 1 penny
things less than 1 silver just assume you have enough pocket change for.
Coinage goes up to 5 gold and paper currency covers after that so in most circumstances money encumbrance is not necessary