For many people, the temptation to overspend is hardest to resist when they are out at a store or restaurant. Because their spending and savings plan (budget) is at home in a drawer, the information they need to make a good spending decision isn’t available. One way to help yourself stick to your plan is to keep your information in your pocket, wallet or purse. The example below shows how to set up a pocket spending guide. By filling it out and keeping it with you, you can easily see at any time how much money you have available to spend in each category. A pocket spending guide will help you adjust your spending plan to make your money go where you really want it to go.

There are many factors to consider before starting a new farm enterprise. Financial management is an important component in the startup and decision-making processes for beginning farmers. The purpose of this series of publications is to inform Virginia agribusiness owners and managers about farm financial risk management tools, techniques, and resources available to help them prepare and use a financial systems approach for their operations.

There are many factors to consider before starting a new farm enterprise. Financial management is an important component in the startup and decision-making processes for beginning farmers. The purpose of this series of publications is to inform Virginia agribusiness owners and managers about farm financial risk management tools, techniques, and resources available to help them prepare and use a financial systems approach for their operations.

In response to the coronavirus (COVID-19) disease pandemic, a collaborative initiative was launched by The Ohio State University, Virginia Tech, and Engle-Stone Aquatic$, LLC to assess the impacts of the pandemic on U.S. aquaculture, aquaponics, and allied industry. Over the course of the first quarter of 2020, the U.S. government developed and implemented several emergency relief measures, in an effort to assist small businesses and individuals. The Q2 survey asked specifically about these relief and assistance programs, as well as questions on adaptations and changes being implemented by farms and businesses in response to the ongoing challenges. This fact sheet summarizes the Q2 results of this study, covering the period from April 10th to June 29th, 2020.