A wooden cash box and folded cloth on a sill beside a rain-streaked window at night

Planning engagement

Seasonal Income Reserve

Two meetings for households whose earnings rise and fall with fishing, rubber, trade, or another season, so the reserve is funded in the heavy months and drawn in the thin ones.

Fee3,600 THB. Starting fee for one seasonal earner in the household.
TimeAbout three weeks, two meetings
FormatTwo meetings and a year strip
WhereThe office in Tambon Manang Tayo. Home visits inside the amphoe are arranged when the boats or the tapping schedule make the office hour difficult.
WithFarida Wae-useng, with Naree Sangsawang when the household also wants the full written reserve note.

Arrange a seasonal planning meeting

Who it is for

Households in Narathiwat whose income follows the fishing calendar, rubber tapping, a harvest, or a trading season rather than a salary date.

What you leave with

A year strip showing heavy months and thin months, a contribution that changes with the season, and a reserve target that covers an expected quiet stretch plus one month that runs long.

Included

Two meetings
A hand-drawn year strip of heavy and thin months
A contribution that is larger in heavy months and smaller or paused in thin months
A reserve target that separates an expected quiet season from a true interruption

Outside this engagement

Forecasting commodity prices or catch sizes
Bookkeeping for a business
Investment selection

How the meetings run

You describe the last year in months: when money arrived, and when it did not.
The first meeting draws the year strip and separates the expected thin months from a further cushion.
The second meeting sets the contribution amounts and the account that holds them.

What to bring

A memory or a notebook of the last twelve months of receipts, even if the figures are approximate
Any month you already know will be quiet

Before a date is held

The starting fee covers one seasonal earner. A second seasonal income in the same household is quoted before the date is held.
The year strip is a planning aid. It is not a prediction of next year’s catch or latex price.

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.