Table order
Five marks on the sheet before anyone calls it a plan.
Households ask for the sequence by name: highest interest, or smallest balance. The sequence is the last mark. The four before it decide whether the sequence can be lived in a real month in Narathiwat.
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01 List
Every debt you are willing to name
Balance, charge, minimum or instalment, and due date. A cooperative passbook counts. A family loan counts only when you state the amount and the understanding. A debt you leave out stays out. The office will not reconstruct it from memory.
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02 Protect
Minimums that keep a roof or a job
Housing and a vehicle required for work stay on their contractual minimum even if another balance charges more. The point is to stop a clever extra payment from creating a missed instalment on the thing that earns the income.
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03 Live
Food, the market, and a small reserve
Extra debt money is whatever remains after those costs and the protected minimums. A plan that assigns the whole surplus and leaves no reserve tends to fall over in the first school-term month. The reserve is modest and written as its own line.
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04 Choose
Highest interest, or smallest balance
Both drafts use your figures. Highest-interest-first usually costs less in charges over the year. Smallest-balance-first closes an account sooner, which some households need in order to keep going. You pick in the second meeting. The page records the pick so it does not get re-argued at the ATM.
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05 Keep
The page lives in the house
You take the written order home. A revision inside thirty days covers a misread figure. A later change in pay or a debt that closes is a plan check visit, not a silent edit. Creditors are not sent a copy unless you choose to show them yourself.
Questions households ask before they book
Can a family loan sit on the same page as a bank?
Yes, if you state the sum and how often it is paid. It will not be given a made-up interest rate. It is treated as a repeating payment with a remaining balance you declare. If the relative’s terms are too unsettled to write, leave it off and say so.
Will the office telephone the card company?
The engagement stops at the plan. You remain the person who pays, queries a statement, or asks a lender about a lump sum. If a hire-purchase contract is unclear about early settlement, the order will not assume a concession the paper does not grant.
What if salary changes after the plan is in the drawer?
Book a plan check and bring the new slip plus the original page. The visit rewrites the extra-payment line. It does not reopen the whole list unless new debts have appeared, in which case the office will quote a fresh debt-repayment engagement.