Insight Ripple Financial Planning
Two adults at a lacquered table in the evening, with tea cups and blank papers between them

Central engagement

Household Emergency Fund Plan

Two meetings and a written reserve note that names a cash target, a holding place, and a contribution for a household in and around Narathiwat.

  • Fee4,800 THB. Starting fee for a household with one or two sources of income.
  • TimeAbout four weeks from the first meeting to the written note
  • FormatTwo meetings and a written reserve note
  • WhereThe office in Tambon Manang Tayo, or a home visit inside Amphoe Mueang Narathiwat when arranged ahead
  • WithNaree Sangsawang, principal planner. Farida Wae-useng joins when the household also has a long seasonal swing.
Arrange a planning meeting

Who it is for

Households that want an emergency fund measured against their own rent, food, school terms, fuel, and the months when money arrives late.

What you leave with

A written reserve note in English: a target amount in baht, the account or envelope that holds it, a contribution per pay period, and a short rule for what may be withdrawn.

Included

  • Two meetings of about 75 minutes
  • A written reserve note in English
  • A 90-day contribution schedule
  • One revision of the note within 30 days if a recurring bill was left out

Outside this engagement

  • Choosing securities, funds, or insurance policies
  • Preparing a tax return
  • Speaking to a lender on your behalf
  • Holding or moving the cash for you

How the meetings run

  1. You write or telephone. We confirm which engagement fits before a date is held.
  2. A short intake asks who earns, who depends on the household, and whether income arrives monthly or by season.
  3. At the first meeting we list essential costs, irregular bills, and the thin months, using the papers you bring.
  4. The reserve note is prepared after that meeting and handed to you at the second meeting, about three weeks later.
  5. The second meeting checks whether the first contributions happened and adjusts the figure if a bill was missing.

What to bring

  • A passbook or recent statements covering about three months
  • Rent or home payment, school fees, medicine you already pay for, loan instalments, and motorcycle fuel
  • A note of any month that is usually thin, even if you only remember it in words

Before a date is held

  • The starting fee covers one or two income sources. A third income, a cash business, or more than one household under the same roof is quoted before the date is held.
  • Meetings are in English or Thai. The written note is prepared in English.
  • The plan covers cash kept for interruptions. It leaves investment selection with you and your own banker or adviser.

An 800-baht holding amount reserves the date and is counted toward the fee. The full basis is on the fees page, and the path from enquiry to the written note is on the planning path.