Inquiry-based financial planning for self-employed people whose pay arrives in different sizes, in different months. We look at your real cash flow — not a template — and build a plan you can actually run.
These consultations are shaped around one specific situation: pay that changes shape from month to month. If most of the points below sound like you, the engagement is likely a good fit.
Project work, retainers, gig platforms, commissions, seasonal demand — some months are full, some are thin. You need a plan that flexes with the month, not one that pretends every month is average.
An inquiry is a short call to see if planning together fits. There is no product to push and no commission riding on the outcome.
Advice is framed around THB cash flow, Thai tax and VAT reserve habits, and the realities of being self-employed in Bangkok.
A useful plan needs your actual income, your fixed costs and any reserves — rough figures are fine to start, but the plan is only as good as the figures you bring.
The work lands best with people who will set up the transfers and reserves we agree on, not leave the plan in a drawer.
Before anything else, we lay out the last 12 months of income and fixed costs the way they actually happened — lumpy, early, late — so the plan starts from your numbers, not an industry average.
For variable income, the emergency fund is not a round number. We set a target based on your longest usual gap between projects, and a monthly top-up rule that adapts when a month is strong or weak.
We agree a straightforward habit for putting money aside for tax and, where it applies, VAT — so a quiet quarter does not turn into a bill you cannot pay. This is planning, not tax filing.
Retirement, savings and protection goals are set against your actual runway, not a benchmark that assumes a salary. You leave with a small set of next steps, in priority order.
Inquiry-based financial planning for freelancers and self-employed people with variable income. We work from your real figures to a plan you can run yourself.
This is not investment management, a tax filing service, or a regulated licence to sell financial products. If a regulated service is what's needed, we will tell you and point you on.
We do not promise returns, fixed savings amounts, or outcomes that depend on markets. Variable income means the plan flexes; it does not promise a number.