Separate sales from profit.
Sales receipts are not all profit. Deduct costs, debt payments and other obligations, and plan for future expenses.
Try the planning tool
LEARNING FOR EVERYDAY LIFE
Understand more.
Take a considered step.
General money guidance and practical tools to explore your own plan.
Plan for quieter periods.
Harvest income may arrive at a particular time, while household expenses continue. Note when money comes in and when you will need it.
Try the planning toolAgree before pooling money.
Write down contributions, responsibilities, upkeep and how to handle disagreements. Give every member a copy of the decisions.
Try the planning toolUNDERSTAND THE TERMS
Read. Ask. Understand.
Before accepting a service, ask for an explanation of anything unclear. Compare the total cost with what you can pay on the proposed dates.
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