Financial Literacy: Reflection and Planning

This is a one-hour reflection-based, hands-on workshop where most of the farmers’ learning will take place in pairs and in-response to reflection questions. This user’s guide will help trainers to lead this reflection session and how to use the reflection worksheet and PowerPoint. Cash flow is an important but sometimesdifficult concept, and is the primary focus of this lesson. This module is the last core module of the Financial Literacy curriculum, though you may choose to add an optional session on farm financing options. This teaching resource was developed by All Farmers in CT River Valley, MA in partnership with the Institute for Social and Economic Development (ISED Solutions). Refugee farmer training programs across the country provided feedback on this lesson, which is now integrated throughout the guide.


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  • Immigrant
  • Refugee