Main engagement · 18,500 THB

Household Cash-Flow Plan

Four sittings that end with a written sheet of weekly inflows, fixed bills, and a buffer for the week that always runs short.

Who it is for
Households around Mueang Narathiwat who share a kitchen and a rent day and want the coming weeks written down before the money is spent.
You leave with
A written household cash-flow plan: which day money is expected, which day rent, food, and debt must be covered, and how much sits in the buffer envelope.
Length
Four sittings of about ninety minutes, spread over three to five weeks
Where
Bang Nak practice room, or the household within Amphoe Mueang Narathiwat
Fee basis
Fixed fee for a household with up to two adult earners. A third earner is quoted before the first sitting.
Adult hands sorting plain envelopes and coins into weekly piles on a dark lacquered table under a copper lamp

Who sits with you

Kanchana Wongsawat, principal planner at Ponder Quarry Financial Planning, sits with the household for every meeting.

Included

  • Four sittings in the room or at your table inside the amphoe
  • A written cash-flow sheet in plain language
  • One printed copy for the household and a file copy kept at the practice
  • A six-month check-in, booked within six months of the last sitting, at no extra fee

Outside this sitting

  • Tax returns and filings
  • Accounts for a registered company or a stall's stock ledger beyond what touches the kitchen
  • Choosing investments or insurance policies
  • Speaking to lenders on the household's behalf

How the sitting proceeds

  1. 1

    Recount the recent weeks

    The first sitting walks through the last four weeks from memory and any notes you already keep. Paydays, market takings, boat landings, and remittances are placed on the days they actually arrived.

  2. 2

    Put the fixed dates on a grid

    The second sitting places rent, school costs, electricity, and each debt instalment on its real date, then sets irregular income beside those dates so the collisions are visible.

  3. 3

    Watch one ordinary week

    Between the second and third sittings the household keeps a short daily note of cash in and cash out. Food, rent, debt, and everything else is enough. The point is to catch one real week, not to build a perfect record.

  4. 4

    Name the short week

    The third sitting reads that note, names the week that runs short, and tests a buffer amount against it. If the buffer starves the grocery money, the amount is lowered before it is written down.

  5. 5

    Write the sheet and read it aloud

    The fourth sitting produces the sheet the household will use. It is read aloud in the room so both earners hear the same dates. A review point six months ahead is agreed before you leave.

Before you come

  • The names of the adults who earn or receive money for the household
  • The rent date, or the date the home payment leaves
  • A list of debts with the amounts and dates you already know
  • Any notebooks, passbooks, or envelopes you already use

Limits of the fee

  • The standard fee covers up to two adult earners. A third earner changes the length of the sittings and is priced before you begin.
  • The sheet covers spending, bills, the buffer, and the order of debt payments. Investment selection and insurance policies sit outside this engagement.
  • Travel inside Amphoe Mueang Narathiwat is included. A sitting farther away is quoted before the date is held.

Four sittings at the Bang Nak room, or at the household table if you live in Amphoe Mueang Narathiwat

Ask for this sitting

The fee on this page is a guide. The practice confirms the amount in writing before a date is held. Payment is arranged with the practice, not on this website.

Request this sitting