At the office in Tambon Manang Tayo, households sit down with passbooks, school calendars, and the months when earnings go quiet. The work is an emergency fund with a baht figure, a holding place, and a contribution that can survive an ordinary payday.
Arrange a planning meeting See how the four weeks unfold
On the table
01 — Passbook
Some households have a savings book with a round number written on the cover. Others have cash in a drawer that is meant for hard weeks and is often used for ordinary ones. We start from whatever is actually there.
02 — Term dates
A May term fee is a planned cost. If it shares an account with emergency cash, a broken pump in April can spend the fee. The meeting separates those pots before anyone has to choose in a hurry.
03 — Thin months
Fishing, rubber, a market stall, a wage that pauses: most families in this province can point to the quiet stretch. Naming it is the start of a resilience plan, rather than treating every quiet month as a fresh shock.
Central engagement
Two meetings, about four weeks apart, for a household with one or two sources of income. You bring the papers. We leave you with a written reserve note in English: a target in baht, the account or envelope that holds it, a contribution for the next 90 days, and a short rule for what may be withdrawn.
The starting fee is 4,800 baht. A third income, a cash business, or more than one household under the same roof is quoted before a date is held. Securities, tax returns, and insurance policies sit outside the meetings. The cash stays in an account you control.
Naree Sangsawang leads the plan. When the year rises and falls with a season, Farida Wae-useng draws the year strip alongside it.
Read the plan in full
Related meetings
For a savings account that already has a name. We compare the balance with the bills that would still arrive if work stopped.
1,800 THB
Read this engagement
For two adults who share the bills. The hour and a half is spent agreeing the pot, the contribution, and what may be taken out.
2,400 THB
Read this engagement
For earnings that swell and then go quiet. We map the heavy months, name the thin ones, and set contributions that pause when the season does.
3,600 THB
Read this engagementWe finally put a number on the month after the heavy fishing weeks, instead of hoping the next run would come before the rice money ran out.
Field note · 14 January 2026
A flat three months of expenses can hide a school-fee month and overstate a quiet one. The note walks through essential costs that continue when income stops, using a worked illustration in baht that you can replace with your own list.
Read the noteThe office
Enquiries are read on weekday mornings. Expect a reply within two working days. If you would rather speak, telephone the office and say which engagement you have in mind.