RED or GREEN. Who likes Red Chile? Who likes Green Chile?
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1 RED or GREEN Who likes Red Chile? Who likes Green Chile?
2 Red or Green Financial + Business Planning John R. Garlisch Bernalillo County NMSU Extension
3 RED or GREEN How many new businesses achieve a 5- year anniversary? Answer: 20-30% of new businesses started this year will be around in Why: lack of realistic financial planning + preparation Statistics according to SBA Small Business Association + NBA National Business Association.
4 RED or GREEN SWOT Strengths + Weakness = Internal Bookkeeping, Invoicing, Organized, current financial situation, credit score, follow through Opportunities + Threats = External Current tax laws, government health requirements, legislation, business law, economy, weather
5 RED or GREEN Business Plan Questions! Where have you been? In life? In business? Where are you coming from? Your approach to this business? Where are you at NOW? Where do you want to go? (short term + long term) How are you going to get there? What is YOUR plan?
6 RED or GREEN Life Situation Where are you at in your life? At or near retirement? Middle Age/Changing careers? Young + starting career? How Liquid are you? What are your current financial needs? What are your future financial needs? Risk seeking, Risk Taker, or Risk Averse?
7 Business Questions! How much space do you need vs. desire? Should I buy or lease? What are the zoning ordinances for my site? Are my facilities adequate + up to code for plumbing, electricity, production, storage, etc? Cost to repair? What equipment do I need to operate? Is my location accessible logistically for me + my customers? What are the local tax structures? Local economics? Local demographics?
8 Business Models Operational Plan Self Proprietor Partnership S Corporation LLC Limited Liability Corporation Cooperative Which has the most risk association? What is best for your life + financial situation? Differences, Pros + Cons to each
9 Business Filing Different for each State Depends on the Business type you choose Fees Is it needed? NM Taxation and Revenue Department (TRD) Bank of the West Building, San Mateo + Central, Albuquerque,
10 Taxes TAXES are COMPLICATED Agriculture TAXES are MORE COMPLICATED Work with a lawyer, tax advisor, and accountant who understand Agriculture Tax Form F -- Publication 225 Tax Form C Publication 583
11 Funding Loans Friends/Family, Banks, Credit Unions, USDA, FSA Grants USDA, FSA, Non-profit Sell Certificates/Stock Your Own Money Gifts Be Creative
12 RED or GREEN FARMING is a business; gardening is a hobby. You may be able to grow beautiful produce, but if you are unable to sell it nor track sales and finances, you will not have operating cash nor be in business next season. Questions over part 1? PART 2.RECORD KEEPING
13 RED or GREEN Financial Planning KEY QUESTION: How much do YOU want to earn? Working backwards-forward Pro-Forma Statement KEY to SUCCESS = BUDGETS + RECORD KEEPING!!!
14 Record Keeping - Organize BIG PICTURE Budget Crop Plan Season Plan Seed Order Sales + distribution Task List HELPFUL TOOLS Spreadsheet tracking finances Spreadsheet planting, watering, weeding, fertilizing, harvesting Spreadsheet orders, sales, deliveries
15 Budget TALKS Guideline estimate + adjustable Research Be realistic! Expenses over estimate costs Income underestimate
16 BUDGET What are your expenses (start up vs ongoing operational)? What is YOUR Salary? What is your income sources? Create monthly budget, seasonal budget, year budget and 5 year budget.
17 Actual vs. Budget Record each minor detail especially in the first year Track receipts, expenses, invoices, income Compare it to your budget Revise as needed Daily, Weekly, Monthly, Quarterly, Yearly
18 Farm Plan Crop Budget Calendar year (budget time + dates) Seed order + planting intentions Field plan + design/greenhouse-hoophouse plan Water order Equipment maintenance + expenses Sales intentions + delivery route plan Record keeping, business planning FLEXIBLE
19 Farm Work Realized Keep a notebook in tractor or truck Record hours of work Record planting activities, watering, fertilizing, harvesting Record crop success + failures Record sales compare to harvest Record distribution routes Itemize all events Revise budget (money, time + crops)
20 WHY RECORDS Success for business Managing of finances Crop production planning Sales + Marketing Time management Helps with loans/grants Certification Organic, GAP, Farmers Markets, etc
21 RED or GREEN Will your farm be Profitable or in the GREEN? Is your farm not profitable or in the RED? What do you want RED or GREEN?
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