Match repayments to your income
If income arrives after harvest, map the timing and the costs that come first. Ask whether a repayment schedule fits those dates.
Money guides
A little clarity today.
More confidence tomorrow.
Short guides to planning your money and asking useful questions.
Revenue is not profit
The money received still needs to cover your costs. Record transport, labour and other expenses.
Shares and savings
Ask how cooperative member shares differ from money deposited in a savings account. Understand the withdrawal or repayment conditions.
Keep the paper trail
Keep agreements, receipts and statements. If something differs, record the date and the question you want explained.
These are general educational guides. Use your own figures and request guidance for your circumstances.
01Milk delivered.
Before the sale,
Sell now,
Milk delivered.
Payment checked.
Reconcile accepted milk deliveries with the money received.
Open this tool →02Before the sale,
know what remains.
Account for transport and selling costs, then set aside your reserve.
Open this tool →03Sell now,
or store for later?
Compare prices, possible losses and the cost of storage.
Open this tool →TAKE YOUR KNOWLEDGE FURTHER
More clarity.
More possibilities.
What you learn today can shape your next step.