FROM CAPITAL TO CASH
Give your work a clear direction.
Whether you farm, trade or provide a service, plan costs before income arrives. Separate working capital from money available for household use.
Plan your cash flowA plan for every harvest
YOUR ACTIVITY CYCLE
Know when money is needed.
Before you start
List equipment, seed or stock, transport and other needs. Obtain prices instead of guessing.
While you work
Record cash collected, unpaid sales and expenses. Revisit the plan when costs or timing change.
After selling
Work out what remains after costs. Plan the next cycle’s capital and an equipment repair reserve.
What if income arrives late or falls?
Recalculate with lower income or a longer wait. Identify costs due before you are paid, then prepare your questions for the SACCO.
Plan a repair reserve