Ordinary spending
Rice, the market, fuel, electricity, a motorbike payment, stall rent, and the small transfers that happen every month even when you forget to call them bills. We use a month that was dull, not a month that was a wedding.
The method
Five counts, then a page.
Every Cash Reserve Review in this office walks the same five counts. The numbers change with the household. The order does not.
The shape of income
Which months pay, and which do not. A wage every two weeks is one shape. Rubber, a fishery share, or a festival stall is another. The reserve is sized to the thin months, not to the photograph of a good week.
Interruptions you can name
A roof, an engine, travel for treatment, a month for parents, a known festival table. Each one gets a local baht figure or the words “price unknown.” Two of them are chosen as the ones the reserve is actually for.
The quiet-month total
Ordinary spending for the thin stretch, plus the interruption you ranked first. If that number cannot be saved yet, we write a first target and the later one, both in baht, so the page is not a wish.
The refill rule
A sentence with an amount and a day: when the buyer pays, or when the wage lands, this many baht move before the rest is spent. The container is named — your savings account, a marked envelope, or a split of the two.
Who is in the room
Wanita leads the review. Ibrahim joins when the income is a fishery share or another seasonal lump he knows from his own family’s books. If two adults spend the household money, we ask both to the second sitting even if only one came to the first. A plan that only one person has heard tends to be spent by the other.
The sitting is for the adults who spend the money. Bring totals. Account numbers, passwords, and copies of identity cards stay with you.
What the page looks like
One to three pages. A reserve figure. A first target if the full figure is not reachable yet. The container. The refill sentence. The two interruptions covered, and a line for anything deliberately left out. No charts for their own sake, and no product names.
The same spine, shortened, is what a Contingency Session and a Seasonal Income Briefing use. The annual visit only checks whether last year’s five counts are still true.