BUSINESS & FARMING

Make room for your next opportunity.

Plan working capital, equipment, production and day-to-day cash flow.

Illustration: Growing an enterpriseRugero

A plan that fits how you work.

Separate household and business money. Prepare sales and expense records.

Plan inputs, harvest timing and when repayments would fall.

Compare equipment costs with the income it could generate.

Use the same period for every amount: a month or a season. A remaining balance is not a borrowing limit; allow for unexpected costs.

Record stock and delivery costs and when suppliers must be paid.

Track slow-moving stock, credit sales and customer payment dates.

Plan costs that fall due before cash arrives. Keep household and business money distinct.

YOUR NEXT CHAPTER