Repayment roadmap

Your repayment roadmap (custom service guide)

This page describes how we build a repayment roadmap during a tailored engagement. It is not a generic calculator output; each roadmap is drafted from your statements, pay cycles, and household obligations.

Phase A — Exposure map

We document every liability: credit cards, personal loans, informal family advances, and hire-purchase contracts. For each line we capture APR, billing date, minimum, and prepayment penalties. The exposure map becomes the single source of truth—no duplicate “shadow” balances on spreadsheets.

Phase B — Liquidity floor

Before accelerating principal, we decide the liquidity floor: the smallest cash reserve you keep while costly revolving balances remain open. For some Bangkok renters this is one month of rent plus utilities; for dual-income households it may be a fixed THB starter amount. The floor prevents a medical bill from becoming a new card balance.

Phase C — Allocation windows

Your take-home pay is split into windows: non-negotiables (minimums, rent), acceleration (extra principal on the priority debt), and fund feed (automatic transfer to a segregated savings account). Windows shift when bonuses arrive or school fees spike—we document triggers in writing.

Phase D — Review triggers

The roadmap includes calendar checkpoints: after 90 days, after any job change, and after closing a revolving line. Each trigger lists which numbers to refresh (balances, fund level, interest rates).

Working sessions may be held at our Charoen Krung office or by video.

What you receive

• One-page repayment order with rationale
• Emergency-fund milestone table (starter → stability)
• Monthly checklist you can print or share with a partner
• Assumptions log (income variability, FX exposure if relevant)

Next step

When you want this roadmap built for your household, book a consultation or review our service overview.