You describe the household and the question.

Through the form on this site, by phone, or by email, you tell us who the household includes, how income arrives, and what you want the session to settle. No figures are needed yet — only the shape of the situation.

We reply within two business days to confirm whether a consultation fits and, if so, which area it should address.

We agree what the session will settle — and what it will not.

Before any meeting is booked, we name the specific area the consultation will cover and the area it will leave aside. You receive a short checklist of the records that will make the session accurate: three to six months of bank and e-wallet history, a note of cash costs, and any recurring commitments.

The consultation itself, in person or by video.

We read the figures together: income mapped to dates, fixed costs separated from variable ones, and the spending patterns that three to six months reveal. The adjustments are chosen with you, not handed down, so the plan is one your household can actually keep to.

You can meet at our Phetchaburi Road office in Bangkok, or by video call for households elsewhere in Thailand.

A written cash-flow plan, dated and specific.

After the session you receive a short written summary: your income set against dates, fixed and variable costs separated, and two or three concrete adjustments chosen in the session. It is a plan you can read back in a year and still follow.

If a follow-up is useful — for example, reviewing the plan against three months of actuals — it is booked as a separate, shorter session, not folded into the first.

What we do not do.

We do not retain your figures beyond what is needed to deliver and follow up the consultation, we do not pass them to third parties, and we do not contact you on a marketing schedule. A follow-up is arranged only if you ask for one.

The handling of your details is described in full on our privacy page, and the conditions of the engagement on our terms page.