The method
How the household cash-flow sheet is built.
The order is the work. A buffer written before the short week is known becomes a guess. This is the sequence used in the Household Cash-Flow Plan at the Bang Nak practice.
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1
Recount the last month as it happened
Week by week, the household says when money arrived and when it left. Market takings, a salary, a remittance, and a boat share stay on their real days. The aim is a month that matches memory, including the week that felt unfair.
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2
Place every fixed payment on its date
Rent, the school transfer, electricity in season, and each debt instalment go on the grid before anyone talks about cutting a habit. Fixed dates are appointments the household has already accepted.
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3
Mark income that misses a salary day
Cash that arrives on Thursday has to survive until Monday’s bill. The sheet separates the day money lands from the day it must still be there. A holding envelope is filled the hour the cash is counted.
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4
Name the short week and the amount it lacks
One week in the month is usually thinner than the others. The sitting names it and writes the baht it lacks for food and rent together. That figure, not a mood, sets the buffer.
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5
Agree the buffer and write the sheet you will use
The buffer is an amount that still leaves rice in the house. Both adults read the finished sheet aloud. A date six months ahead is chosen to look at the same page again.
Between sittings
After the second meeting, the household keeps a daily note of cash in and cash out until the third. Four labels are enough: food, rent, debt, and the rest. The note is there to catch one ordinary week, including a day that went sideways.
If a payday falls inside those weeks, leave it on the note as it happened. Do not tidy it into the month you wish you had.
Ask for a cash-flow sitting
The full scope, fee, and preparation list sit with the consultation. If the household needs a year view or a single goal instead, those sittings are listed beside it.