Some households are not ready to set a repayment order. They first need to see where the month actually goes: the morning market, the top-ups, the transfer to a parent, the Friday fish, the instalment that leaves the account the day before salary arrives.
A spending review is that picture. It is shorter than a debt-repayment plan and it stops at the monthly page. It does not rank your debts or tell a creditor anything.
Who it is for
Households who want a clear month on paper before they decide whether a repayment plan is the next step. It is also used by couples who disagree about a transfer that one of them treats as fixed and the other treats as optional.
What you leave with
A written monthly spending picture grouped in plain categories the household recognises, with notes on costs that repeat and costs that spike in a school term or a festival week.
How the work proceeds
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Note-keeping
For the days before the meeting, the household jots market totals, cash spent, and transfers. Perfect categories are not required. A scrap page is enough if the amounts and the days are there.
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Sorting meeting
Together you group the notes in words the household already uses: rice and market, transport, the house, children, family transfers, instalments, and whatever else actually appears.
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Written picture
The office writes the month as a single page with repeating costs separated from spikes. You take that page home from the second meeting.
Included
- A short list of notes to keep for seven to thirty days before the first meeting
- A first meeting to sort cash, market buys, and transfers into groups you name
- A written picture prepared from those notes
- A second meeting to correct anything that was a one-off rather than a monthly cost
Outside the engagement
- A full repayment order across several debts
- A judgment about what the household ought to stop buying
- Contact with lenders
- Bookkeeping for a registered shop, which is a different kind of work
Before you come
- Notes or receipts from a recent stretch of ordinary days, ideally a full month
- The usual market days and who does the buying
- Any transfer you make every month to family
Limits of the work
- A review of a shop’s supplier invoices is outside this engagement. Bring household spending.
- If the notes cover only a festival week, the picture will say so and will not be treated as an ordinary month.
- The fee covers one household. A relative who keeps a separate purse can book a separate review.
Who does the work
Siriwan Phakdee leads both meetings. Niran Boonma sends the note-keeping list.
Fee
The fee is fixed for one household and one recent month of notes. A second month, if you want it compared, is quoted separately. The figure is confirmed by email or by phone before a deposit is arranged. The website shows the schedule only. Fee notes for the whole practice.
Next step
Request a spending review and name a week you can bring the notes. If you later want a repayment order, that is a separate engagement.