A practical guide to budgeting, saving and surviving the lean months between harvests, built around real research on how Ghanaian farm households actually manage money.
What's inside:
- Why farm income is a timing problem, not a shortage problem, and how to plan around it
- Keeping farm and household money separate, without conflict
- A simple five-category seasonal budget, and finding your own lean months in advance
- A realistic emergency reserve, sized for one real risk, not an impossible standard
- Where to actually keep your money, mobile money as a real savings tool, and susu explained honestly
- Avoiding high-cost informal credit and planning for family and funeral obligations without raiding farm capital
- Reinvesting deliberately, managing more than one venture at once, and what to do when a season is genuinely hard
- A full toolkit: seasonal budget template, expense tracker, savings plan worksheet, glossary, and sources
First Edition, 2026.
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