Debt inventory & stacking
List every obligation with rate, minimum, and penalty clauses. We compare avalanche and snowball routes against your stress tolerance, not influencer charts.
Lumen Financial Planning
Individual consultations that separate debt repayment from emergency-fund planning—so you are not treating a credit-card balance like a rainy-day reserve.
Myth-busting starts here: paying minimums while skipping cash reserves often leaves Bangkok households one invoice away from new borrowing. We map obligations, liquidity targets, and realistic monthly allocations together.
Questions now? Call +66-2-235-7419
Myth: one “savings number” fixes debt and shocks
Reality check from our Charoen Krung consultations: revolving debt interest and emergency liquidity compete for the same paycheck. A plan that only chases zero balances can erase the buffer you need when income dips. We model both lanes—amortization priorities and fund milestones—without promising market returns or instant relief.
Debt is a schedule problem; an emergency fund is a liquidity problem. Confusing the two is the most common planning error we correct in first sessions.
Engagements are tailored, not templated software dashboards. You leave with a written repayment sequence, fund starter target, and review cadence you can defend to your household.
What we unpack in planning engagements
Each card reflects a working block from recent Bangkok-area consultations—always adjusted to your balances, dependents, and cash-flow seasonality.
Emergency-fund runway
Define whether your first milestone is one month of essential expenses or a smaller starter buffer while high-interest debt is active—both are valid when documented.
Monthly allocation map
Translate take-home pay into contribution bands: minimums, extra principal, and automatic transfers to a segregated liquidity account.
Who this is for—and who should look elsewhere
For: salaried professionals and small-business owners in Thailand juggling personal loans, cards, or family support alongside the need for cash reserves.
Not for: speculative trading advice, tax litigation, or guaranteed debt-elimination timelines. We do not sell investment products or earn commissions on lending referrals.
Consultation flow in three checkpoints
1 · Intake
Secure sharing of balances, income rhythm, and existing automatic payments before we meet.
2 · Working session
90-minute working meeting on-site at Bang Rak or via video—your choice when scheduling.
3 · Written plan
Deliverable summarizing repayment order, fund target, and monthly checkpoints within five business days.