Note · 14 July 2026
What to gather before a first meeting in Kaluwo Nuea
Niran sends a short checklist when a first meeting is booked. Households still ask what “enough paper” means, because a kitchen drawer can hold five years of envelopes and still miss the page with the current balance. This note is the same standard the office uses.
For each debt you want on the list
- The most recent statement, or a contract schedule if there is no monthly statement
- The balance you believe is outstanding, written in your own hand if the statement is older than six weeks
- The interest rate or the hire-purchase charge, wherever the paper states it
- The minimum or the instalment, and the day it is due
- The name of the lender as printed, so two loans from the same bank are not folded together
A cooperative loan often lives on a passbook page rather than a glossy statement. Photograph or copy the page that shows the remaining balance and the monthly sum. A family loan has no statement. Write the amount, the person, and the monthly understanding on a single sheet if you want it included. If you would rather keep it off the list, say so. We will not add it from rumour.
For the month you actually live
Bring a rough record of a recent ordinary month: market totals, rent or the house payment, transport, school-term items if they fell in that month, and transfers to family. A perfect ledger is not the entry ticket. A week of notes plus a honest memory of the fixed transfers is enough to start, and the gaps are marked as gaps.
Also note the day income usually arrives. If two people are paid on different days, write both. The order fails in real life when it assumes money is present on a morning when the account is still waiting.
What you can leave at home
Old statements that have been replaced, insurance brochures, and identity cards are not required for the planning meeting. Do not hand over PINs, online banking passwords, or a card itself. The office reads paper. Payments to lenders stay in your hands.
If a page is missing, come anyway if the appointment is soon, and tell Niran which account is incomplete. The first meeting can list everything else. The written order waits for the missing page rather than guessing a balance. That wait is the usual reason a plan takes the full three weeks.