14 January 2026
The three-month rule, and the household it misses
A flat three months of spending hides a May school fee and a quiet October. Here is how a Narathiwat household can size a reserve from the bills that actually continue.
From the practice
Field notes
Short guides from the same work as the meetings: how a reserve is sized, what is kept out of it, and how a seasonal year changes the contribution. They are written for households, not for a general audience of investors.
2 March 2026
Keep the school-fee month out of the emergency fund
Term fees in May and the next term are planned costs. If they share an account with the emergency cash, a broken pump in April spends the fee.
19 May 2026
What the reserve is for, and what needs its own pot
A hospital bill and a week without stall income belong in the emergency fund. A wedding you have known about all year belongs in a different pot.
8 July 2026
Name the withdrawal rule before anyone is upset
Two adults who share bills need a sentence about who may take emergency cash, what counts, and how the other person hears about it the same day.
1 September 2026
Thin months are a season, not a surprise
Fishing, rubber, and trade households can name the quiet months before they arrive. The reserve is for the month that runs longer than that season.