How does one know what chords to play?
General mountain dulcimer or music discussions
Patty, each in our own way, everyone here is saying the same thing, though it might be hard to see that at first.
Let's start with just the main three chords, I-IV-V, or in the key of D, the chords of D, G, and A. Each chord is made up of three notes: the 1st, 3rd, and 5th notes of the major scale.
D chord: D-F#-A
G chord: G-B-D
A chord: A-C#-E
Within those three chords are all the notes of the D major scale: D-E-F#-G-A-B-C#-D.
So the basic idea is that when you play a melody note, you want to play a chord that has that note in it. You may note that (unless you play the autoharp) you do not want to change chords for every single note, so in general, you look at the notes in each measure and see which chord is going to cover the majority of them. Sometimes you will have a choice, and then you will want to rely on your ear. And there are some other basic prinicples. In general, songs end on the tonic, or key tone, meaning in this case D. And very often they will go to the V chord (in this case A) before resolving to that D.
Before you try to figure out the chords for more complicated songs that include minor chords and diminished chords and all that fancy stuff, start out with 3-chord songs. In fact I would bet 70 percent of folk tunes only have three chords. As I've said elsewhere, I encourage people to sing or whistle or hum the melody of songs they know well while they just strum chords until their fingers are used to strumming chords and, in your case, you are getting the hang out of guessing what chord to play.
And you can also do this without looking at music and without thinking about all those notes I mention above. As you play a melody on your dulcimer, stop on an important melody note. Whatever chord you play is going to have that note in it. One reason for learning those chord shapes is because you will know right away what your options are. But you can also do this by trial and error. While you play a melody note, try to find another note on another string that sounds good with it. Do that on the third string, and you're all set! You don't even have to worry about what chord that is! I did that for a long while, not really worrying about what chords I was playing but just trying different chord shapes on different parts of the fretboard until I found one that worked. Eventually I learned the fretboard better and can name those chords, but who cares? The important thing is find chords that sound good.