Fearless Farm Finances

270 pages
ISBN: 978-0-692-80188-8
$19.95 retail price
Published by MOSES

Order Here

This one-of-a-kind resource is packed with instructions, tips and tools for setting up and managing a farm’s financial system. It includes real-life examples from successful farmers and sample data to show how forms and records should look.

The 2nd Edition, published in 2017, contains new detailed information and worksheet templates for those using paper-based systems, a new chapter on farm transition, an updated chapter on farm business structures, new from-the-farmer profiles and updated resources.


Fearless Farm Finances Online Companion Course Now Available



MOSES offers a 40% discount on orders of 7 or more books for a final, nonrefundable price of $14/book, including shipping. Turnaround time on bulk orders is 21 days from the date the order is placed. Rush printing and delivery are available at an additional cost.

To place a bulk order, please call 715-778-5775.



• Why detailed numbers are crucial to farming success
• Techniques for data collection
• How to set up and use a bookkeeping system
• Computer bookkeeping program tips
• Step-by-step development of the three primary financial statements
• How to use standardized ratios to compare farm performance
• How to assess large financial investments
• How to work with a lender
• How to use numbers to make product mix, market, and pricing decisions
• Plus much more to help you improve farm profits

About the Authors

Jody Padgham is former MOSES staff who runs a 60-acre frass-based farm in north central Wisconsin.

Paul Dietmann is the Senior Lending Officer of Mission Financing at Compeer. He is the former assistant vice president at Badgerland Financial, former director of the Wisconsin Farm Center at the Wisconsin Department of Agriculture, Trade and Consumer Protection, and former University of Wisconsin-Extension Agricultural Agent.

Dr. Craig Chase is a farm management specialist at Iowa State University where he coordinates a statewide program to boost production, processing, distribution, marketing and consumption of Iowa-grown food.

See inside Fearless Farm Finances:


What readers are saying about Fearless Farm Finances:

“What a fantastic, user-friendly tool for farm businesses! With interesting and practical examples and easy-to-use worksheets, this book is a must-have for new and not-so-new farmers.”
Jan Joannides, Executive Director, Renewing the Countryside

“I’ve been searching for a good way to learn more about this aspect of farming. This book is so clear, straightforward and easy to understand–like turning a light on! It all sounds so simple, like it never needed to be so hard!”
Kim Cassano, The Rustic Table Meat CSA, Catawba, Wis.

“It is an excellent book/resource and one that I frequently reference. The section on QuickBooks is quite valuable.”
Jenny Vanderlin, Assistant Director, Center for Dairy Profitability, UW-Madison/Extension

Organizations using Fearless Farm Finances in training programs:

Badgerland Financial, Wis.
Carolina Farm Credit, Statesville, N.C.
Colonial Farm Credit, Mechanicsville, Va.
Colorado State University Dept. of Ag Resources & Economics, Fort Collins, Colo.
Dakota Rural Action, Brookings, S.D.
Farm Start, Guelph, ON, Canada
Farmer Veteran Coalition, Davis, Calif.
Food Works, Saint Louis, Mo.
GrassWorks, Medford, Wis.
Illinois Green Economy Network (IGEN) Community Colleges (17 institutions)
Iowa State University Extension, Ames, Iowa
Iowa Valley Resource Conservation and Development, Amana, Iowa
Maine Org. Farmers & Gardeners Assn., Unity, Maine
Michigan State University Organic Farmer Training Program, Holt, Mich.
Michael Fields Agricultural Institute, East Troy, Wis.
National Center for Appropriate Technology (NCAT), Fayetteville, Ark.
Northeast Wisconsin Technical College, Green Bay, Wis.
NS Federation of Agriculture, Oxford, NS, Canada
One Step at a Time Gardens, Kanawha, Iowa
Pennsylvania Association of Sustainable Agriculture, Millheim, Pa.
Practical Farmers of Iowa, Ames, Iowa
Rockwoods, Jackson, Miss.
Stateline Farm Beginnings at Angelic Organics, Ill.
UCEE Placer, Auburn, Calif.
University of Arkansas Center of Excellence for Poultry Science, Fayetteville, Ark.
University of Nebraska Extension, Auburn, Neb.
University of Wisconsin Extension, Ladysmith, Wis.
University of Wisconsin-Madison Center for Dairy Profitability, Madison, Wis.
University of Wisconsin-Madison School for Beginning Livestock and Dairy Farmers, Madison, Wis.
Washington State University, Everett, Wash.
Washington State University, Waterille, Wash.
Wis. Department of Agriculture, Trade and Consumer Protection, Madison, Wis.
Wisconsin Technical College System, statewide Wisconsin