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Post 3 – Emergency

EMERGENCY AND CONTIGNENCY In the previous posts on finance, we have spoken about goal setting and budgets, and I certainly hope you did both your goals for 2023, and January, and that you did your budget for both as well.   When we start living by our budgets it is a learning process.  At first, our cost estimate may be too low and we have too high expectations about our income.  However, if we have good data, and, or if we are patient and work our budget consciously, reviewing every week and going through the whole process every month, we do become better [...]

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Zambian Farmer Org. #2

Good morning farmers. In the first post on Financial Fitness, I gave you a general overview of various areas.  This time I will narrow it down to three areas and go into more detail. First, I will discuss how to start creating a personal budget, and a plan to control cash. Second, I’ll briefly go over checking and saving accounts and debit and credit cards. Third, I’ll talk about the importance of dividing personal and business finances. If we do not have a budget, it is like going into a new city and not having a map.  Each finance is unique.  You may [...]

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