Te Puke dairy farmer Delys Cram is used to planning for the worst case scenario and says it has stood her in good stead following the fallout in dairy prices.
The 49-year-old had already revised her "worst case scenario" budget several times and said it was important to plan for the future.
"I don't think any of us thought it would go so low. But it has happened before and we will get through it."
The sharemilker worked alongside Otukawa Whenua Trust with husband David on a 200-hectare property that had 540 cows and one staff member.
Mrs Cram said she was lucky to have another part-time job, off farm, but they had to work hard to survive. The couple had cut any unnecessary spending and there would certainly be no trips this year, she said.