Went to my banker today...

[hedgehog]

what is a floater?
i used to spread canola with a 4wd motorbike with a spreader or a 100hp 4wd tractor. harrowed it in where possible.

[hedgehog]

freewheat, i just want to wish you good luck. try and hang in there, remember ,its not over till the fat lady sings.
i have been down more than once, paying wages on my credit card, not answering the phone to creditors , remortgaging tractors etc.
but i thought the weather had to turn, and it did.
i came to sask in 04 to look for a farm, but the wife didnt like the lack of hills, and we had no cash anyway, so we went home and toughed it out.
going organic helped, as i didnt have to borrow for chem/fert etc.went into sheep.
remember, its only money, there are many things more important.
All the best.
H

[ALLFARMER]

I started in 1996 with nothing but one quarter and a whole lot of debt. Dad didn't have a farm so I had some very good neighbours. Grain farming never worked for me because you have to stick your neck out so far every year. crop insurance, seed, spray,crop advances, fertilizer, companies that don't have room to take delivery of crop you contracted with them, machinery payments, land payments,repairs, fuel, crops that they always find something wrong with Heat damage or frost damage. The last 4 years I have switched to cattle. As long as the sun shines and it rains some time grass will grow. Rotating cattle daily will triple your yields, No interest ticking away on crop input bills.

Cattle prices are not always perfect but you don't have to put nearly as much money on the table to play the game.

4 years ago I had to go trucking away from home all winter to pay off my crop debts I have been there.

If you never give up you are never beaten.

[bluefargo]

Freewheat
I don't know if the Stress Line still exists or not. There is a Sask Ag office in Tisdale which I think is likely in your neighbourhood. Check with them to see if it is still in operation.

Don't let the name fool you. The line was staffed by people who in many cases had been through the financial mill themselves. They had lots of good contacts and advice.

If they are still around give them a call. You have nothing to lose. It sounds to me like you need some impartial advice and soon.