A planning room for households, opened in 2016.

How the office began

Siriwan Phakdee grew up in Narathiwat province, completed an accounting degree at Prince of Songkla University in Hat Yai, and came home. For several years she kept the books of a relative’s building-supply shop and, in the evenings, sat with cousins who were juggling a hire-purchase contract and a card at the same time. Those kitchen-table sessions were unpaid and informal. In 2016 she registered Logic Harvest Financial Planning and took a ground-floor room in Tambon Kaluwo Nuea so the work would have a folder, a fee, and an appointment book.

The practice still limits itself to debt-repayment planning and spending reviews. It has not added a loan desk, an insurance counter, or a shelf of investment products. Households pay a planning fee. Lenders are not asked to reward the office for a referral, because the office does not send them one.

People in the room

Siriwan leads every planning meeting. She reads the contracts, writes the two sequences, and sits through the second conversation when a household disagrees about a family transfer. Niran Boonma keeps the appointment book, sends the paper checklist, and checks that a statement is still current before you travel in. He does not give planning advice.

Meetings can be held in Thai or English. The written plan is prepared in English, matching the language of this site. If you need the same page written in Thai as well, ask when you book; that extra page is quoted on its own.

How the work is done

The method is a table order: every debt on one sheet, protected minimums marked, then a choice between putting extra baht on the highest interest or on the smallest balance. Food, housing, and a small reserve are written before that extra is named. Nothing about the method requires a screen in the meeting. The lamp, the folder, and a pencil are the instruments.

The office keeps a calm pace on purpose. A missing page delays the written plan rather than being filled with a guess. A household that wants a single dramatic sitting is told, before the deposit, that the engagement has two meetings.

Around Narathiwat

Most clients live in Amphoe Mueang Narathiwat and can reach Kaluwo Nuea in a short ride. Households farther out in the province sometimes take the debt-repayment meeting by a scheduled call after they have sent photographs of the statements. The spending review is done in the room, because the market notes are easier to sort when both people can point at the same page.