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Andrew Elsden - stories, tales , rural and social and business issues past and present as I see them.
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Nov 13, 20245 min read
Farm Inheritance Tax - Not Just Land
In this second  post I will demonstrate how inheritance tax can affect a tenant farmer by referring to a real life example from my past...
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Jul 2, 20233 min read
When to blow the budget!
Every person that has well run personal or business finances works to a budget of various simplicity or complexity. Whether it be how...
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Jun 28, 20235 min read
Overdraft Charges
Farming businesses have seen considerable rises in working capital requirements that is, the amount of cash required to see your...
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Feb 6, 20238 min read
DEALING WITH CROP FAILURE
INTRODUCTION This guide is designed primarily for UK arable farmers but can be applied to others especially those businesses with a...
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Jun 1, 20224 min read
What Bank Manager?
In July 2021 I posted a detailed description on how a Bank manager views a farm for lending risk purposes. The advice in it still holds...
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Sep 1, 20214 min read
Are Alpacas Commercially Viable?
In May 2012, Dianne Simmons, the first known person to catch TB from alpacas in the UK said, " I fear petting zoos could be riddled with...
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Aug 15, 20218 min read
FARMING FOR NOWT – (Part 4 TAKING CONTROL OF CASH)
There are three areas you need to examine to take control of your money: LOOK AT THE FOLLOWING THREE AREAS TO TAKE ACTION: 1. CONTROL...
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Aug 14, 20215 min read
FARMING FOR NOWT (Part 3 – Tracking your money).
Many times as an Agricultural Bank Manager I sat down with an apparently profitable farming business and the owners sat there open...
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Aug 13, 20215 min read
FARMING FOR NOWT (Part 2 – how you feel about your farm? and Sources of help)
How do you feel about your farm? • Does it feel harder than it should be? • Are you constantly short of money? • Do you keep receiving...
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Aug 12, 20215 min read
FARMING FOR NOWT (Part 1 Your attitude towards money).
This series of four posts is a very simple guide for you to explore where your farm’s money is going to and what you can do about it....
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Jul 19, 202112 min read
How a Bank views my Farm?
In the following I make no apology for the simplicity of what I have put. What seems obvious to one person is not to another. Indeed it...
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