Load your cargo onto the hay rack. Hay bales and other items will likely be too heavy for you to simply carry up the ladder to the top of the trailer. In that case, tie a rope to the bale of hay to lift it to the top. A tractor with a front-end bucket could also prove useful in loading those heavy items onto the trailer.
Pack the items into the hay rack. Load hay bales side by side. A second row of bales usually fits over the first. Pack other items in a manner that will make it easy for you to strap them down.
Tie down the cargo. In most cases, use bungee cords which fit around a variety of items --- including hay bales. Don't assume that the items can't or won't fall out while you drive. Check to ensure you have tied them down securely.