Irregular inflows
Commission, bonuses, and side projects make “monthly budget” templates lie. We rebuild the plan around actual deposit dates.
Data Relay Financial Planning
When income arrives on different dates than bills leave, spreadsheets stop being enough. We run financial planning consultations that map household budgeting rhythms, fixed obligations, and discretionary gaps—so you can see the month ahead before it arrives.
Problems we hear before the first session
Households contact us when salary, freelance invoices, and school fees fall on different calendars. You may be earning enough on paper yet feel short the week before rent.
Others keep separate accounts for partners but lack a shared cash-flow view. Without a single timeline, arguments focus on last week’s spending instead of next month’s buffer.
Fixed-cost creep
Subscriptions and instalments hide inside card statements. We surface them on a rolling obligation list.
No shared picture
Couples and multi-generational homes need one cash-flow calendar everyone can read—not another lecture about coffee.
Consultations built around your household ledger
Each engagement starts with how money actually moves: payroll dates, landlord transfers, insurance premiums, and the informal help you send to family.
We do not sell packaged software. You receive tailored planning notes—expense categories that match your life, a cash-flow horizon you choose (often 90 days), and follow-up sessions to adjust when income shifts.
How a planning engagement unfolds
- Intake call. You outline household members, income sources, and the decisions that keep you awake (debt, school, relocation).
- Document review. Bank exports, salary slips, and recurring bills are organised into a single cash-flow timeline—not judged, just placed in order.
- Draft plan. We propose category targets, buffer sizes, and bill-payment sequencing aligned to Thai banking habits.
- Working session. You walk through the draft, stress-test a “bad month,” and agree what to monitor weekly versus monthly.
- Check-in. Optional follow-up consultations revisit the plan after a job change, new dependant, or large purchase.
Planning from Ratchathewi, for Bangkok households
Our office on Phetchaburi Road sits near BTS and airport-rail links—useful when you prefer an in-person working session after an initial video call.
We discuss PromptPay habits, withholding on salary, and how seasonal festivals affect discretionary spending without treating your household like a corporate treasury.
Who this is for—and who should look elsewhere
Good fit
Dual-income households balancing rent, dependants, and irregular bonuses; freelancers normalising tax set-asides; anyone who wants a written cash-flow plan they can update themselves.
Not a fit
Day-trading tips, crypto speculation, or guaranteed return promises—we do not offer those.
Evidence we share
Sample category structures and anonymised timeline layouts during consultations—never fabricated client quotes.
Questions before you book
- Are fees listed online? Consultation fees depend on scope and are quoted after intake. We confirm pricing before you pay a deposit.
- Do you manage investments? We focus on budgeting and cash-flow planning. Investment product sales are outside our service model.
- Is everything in English? Sessions and written plans can be in English; Thai support can be arranged on request.