HOUSEHOLD FINANCIAL PORTFOLIOS | 71 their savings in an attempt to meet their farming fertili—er and pesticide and pay for laborers in their expenses and saved revenue from potato sales for up to fields when needed­ ™hile they were actively with- three months before withdrawing the money to pur- drawing from and depositing into their savings at chase inputs, but they were unable to meet all of their home between Žanuary and ˆpril, the ©S±…•… that they farming investment needs with the financial tools at earned from potato sales in Žanuary clearly corre- hand­ –ost of the time they bought inputs using money sponds to the ©S±…•‘ they later spent on labor and earned from selling their cash crops, or they used agricultural inputs in ebruary, –arch, and ˆpril when money that they had received from their children living planting potatoes and wheat­ €n fact, ™illiam and in town­ Sometimes they sold assets to cover input ˆnitha earned only ©S±Ÿ”­‘’ in ebruary but had expenses as well, since they believed that they would be saved enough from selling potatoes to cover their able to purchase more assets after harvest and after expenses, which was not an uncommon approach to they had sold their cash crops­ or the £itungwas in the meeting agricultural expenses in their village­ £ut period of the Smallholder ‰iaries, this was in fact true despite the £itungwa’s careful planning to afford (see igure ŸŸ)­ inputs, they still insisted that they did not have enough­ ™illiam and ˆnitha did not always need to buy “€ have enough plots, but € don’t have enough capital to inputs when they sold their cash crops, but they pur- invest in all plots € have,” said ™illiam­ “€f € could have posely set aside money from selling cash crops to buy capital, € would € have gotten more out of my farm­” FIGURE 33: Sales from potatoes between January and April 2015: The Bitungwas (TANZANIA) January 8 January 16 February 13 March 3 March 29 April 4 April 11 Sold potatoes Sold potatoes Withdrew Withdrew Withdrew Withdrew Withdrew Withdrew worth worth savings at savings at savings at savings at savings at savings at US$106 US$65 home worth home worth home worth home worth home worth home worth US$6 US$29 US$11 US$11 US$69 US$29 Deposited Deposited Paid for Paid for Paid for Paid for ag Paid for ag Paid for savings at savings at labor on labor on labor on inputs inputs labor on home worth home worth farm worth farm worth farm worth worth worth farm worth US$106 US$65 US$6 US$29 US$28 US$11 US$60 US$29 US$171 They save their revenues (US$171) from US$172 potato sales in January before withdrawing the money in January to purchase inputs in February to April.