*How to Improve Cash Flow* *_Step 1: Create a Cash Flow Budget_* _List Expected Income:_ Sales (crops, livestock), grants, loans. _List Expected Expenses:_ Seeds, feed, labour, equipment repairs, loan payments. _Compare Monthly:_ Identify months with shortages (e.g., planting season) and plan for them. *_Step 2: Diversify Income_* _Grow multiple crop_ s (e.g., maize + beans) to spread risk. _Raise livestock_ (e.g., chickens, goats) for steady monthly income. _Add value to products_ (e.g., turning milk into yogurt). _*Step 3: Reduce Costs*_ Buy seeds/fertilizers in bulk with other farmers for discounts. Use compost or manure to cut fertilizer costs. Share equipment (e.g., tractors) with neighbors. _*Step 4: Access Affordable Credit*_ _Government Programs:_ Look for low-interest loans or grants for farmers. _Cooperatives:_ Join farmer groups to access group loans or bulk buying. _Avoid Predatory Lenders:_ High-interest loans can trap you in debt. *_Step 5: Build a Cash Reserve_* Save 5–10% of harvest income for emergencies (e.g., drought, pests). Open a separate bank account to avoid spending the reserve.