Hallelujah, it’s January, the most optimistic month of the year! Okay, maybe not everyone shares the sentiment (January is rather cold), but as part of the New Year package, the month has more to offer than just frozen toes. January is when we transfer CSA money from the business savings account to the checking account. The CSA model of collecting money months ahead of harvest, when growers need it most, is the envy many a contractor who’s had to chase down payment long after the job is done. Nevertheless, it is possible to get paid too far in advance. To ensure we don’t overspend at the end of the year, we deposit all CSA renewals collected in the fall into a savings account and keep them
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