Early February in the 2nd year of the farm seems an opportune time to look at the finances and see what they tell us about the difficulties the player will experience when in ‘Start from Scratch’ difficulty mode. The finance screen is a bit of a pain as it can’t be easily covered in just 1 or 2 screenshots – it’s just too long and the summary stays at the bottom as you scroll up or down. Let’s start at the top (You may need to have the screenshots open in a new page to see clearly what I’m talking about)…


…The first row details the cash I’ve spent on new vehicles. It includes all types of farming implement, so what you see there is the money spent on the equipment to allow me to manage the grass field and do grass work for other farmers. That’s a long-term investment that will probably be recouped over three years or so. The €1k in December was two carrying crates for Chickens. You can see (4th row) I started selling Chickens that month to increase the amount of cash I was earning from them.

Vehicle Running Costs (9th row) – normally one of the biggest outgoings on the on the farm and one that is unavoidable. December saw the last regular use of the tractors and also the end of season maintenance of the grass machines. In Jan/Feb the only real activity was moving eggs and vegetables to market and that was all done with the Kubota runabout. Property maintenance (11th row) is another consistent outgoing – it will be much the same at the end of Feb as it was at the end of Jan.

Property Income (12th row). This is a combination of money generated by the solar panels I have dotted around the farm – note that it fluctuates with the time of year – and the Municipal Subsidy I receive. The Subsidy is a regular €8400 each month. Some players call the Subsidy mod a ‘cheat’ and I would agree in the case of the ‘Government’ subsidy which gives you €8.4m per month. That has its place for players like content creators who need to be able to get equipment quickly for their demo videos and the like. The Municipal Subsidy is an attempt to recreate the realistic subsidy situation for farmers in the EU and US, so I believe its use in my gameplay to be legitimate. These sources of income are helping to keep my head above water in difficult times.

The last row, Production Costs, is the maintenance of the two large greenhouses. Now, let’s scroll down a bit…


…I haven’t chopped down any trees, so nothing in the top row 🙂

Sold Bales (2nd row) should speak for itself but there is a hidden element to the values shown. Every field has an estimated output for each crop and when your harvest reaches that threshold, any additional crop is paid to the harvester. When I mow and bale grass, hay or silage for one of my neighbours, there are usually quite a few more bales than expected. The same applies to Cotton. That explains the large amount of money I made in October and November – this payment is over and above the base payment for the contract.

Sold Products (5th row) – this is the money made from Tomatoes, Lettuce and Eggs.

Fuel costs (6th row) – varies according to the amount of work done and what machinery was used. In Jan/Feb only the Kubota runabout was used so the costs were low.

Fertilizer Costs (8th row) – When fertilizing my own fields and doing contract fertilizing for other farmers, I have to supply the fertilizer. Fortunately, fertilizer goes a long way! I have the precision farming Isaria equipment fitted to my Massey Ferguson 5S, which reduces the amount of fertilizer applied on my own fields too.

Harvest Income (11th row) – Money earned from harvests on my own farm and any harvested crop left over from contract harvests, much the same as with bales. This was the excess from a late crop of Soya harvested under contract.

Contract Income (13th row) – The most important form of income for my farm currently. Unfortunately, also the least reliable! The old saying ‘Make Hay while the Sun shines’ holds true – If there’s a contract available, I have to take it. I think, in this hardest level of play, the yearly field cycle of sowing, fertilizing, harvesting and lying fallow is most accurately portrayed. The field work shuts down completely over winter and we are left relying on the produce and the subsidy to see us through until the spring. Of course, if I were to turn seasons off… 😉

Time to scroll down and look at the last rows of the spreadsheet…


…If you look down near the bottom, you’ll see a row called wage payment – all zeros because I can’t afford to hire farm workers!

One above bottom and we have Misc – Income from environmental bonuses appears here. But it is also where expenses not covered by the other categories appear. These include animal feed, lime and herbicide.

The last row is interest repayments on the loan – we currently owe the bank €215k and should probably find a way to start reducing that amount to cut back on our outgoings.

The summary at the bottom tells that in early February I currently have a balance of €84k in the bank. Not enough to get a harvester or any of the fields close to the farm. I need to keep working and building that balance to get the things I want for the farm but, there will be choices to be made along the way – expect those to be part of the ongoing story of Ferme du Vieux Chêne 🙂