Getting Your Financial Foundation Right
Planning your economic future isn't about following formulas. It's about understanding where you are right now and building from there. Most people skip this step and wonder why their plans don't stick.
We've worked with hundreds of individuals across Thailand who thought they were ready to start planning, but quickly realized they needed to sort out a few things first. That's completely normal.
Explore Our Programs
Six Things to Sort Out Before You Begin
These aren't barriers. They're stepping stones. And honestly, working through them now saves months of confusion later.
Know Your Current Numbers
You don't need perfect records, but you should have a rough idea of what comes in and what goes out each month. We've seen people guess they spend 30,000 baht when it's actually closer to 50,000. That gap matters when you're building a plan.
Clear Up High-Interest Debt
If you're carrying credit card balances above 18% interest, tackle those first. Building savings while paying 20% on debt is like trying to fill a bucket with holes in it. Our September 2025 program starts with debt strategy for exactly this reason.
Set Aside Learning Time
Economic planning requires about 3-4 hours per week during our learning period. One client told us she tried to squeeze it into lunch breaks and ended up frustrated. Evening sessions or weekend mornings work better for most people.
Get Comfortable With Basics
You should understand what interest rates mean, how inflation affects purchasing power, and basic investment terminology. If words like compound interest or liquidity feel foreign, spend a week or two reading introductory materials first.
Define What You Actually Want
Vague goals like "be financially secure" don't translate into actionable plans. Think specific: buying property in 2027, building a 200,000 baht emergency fund by mid-2026, or generating additional monthly income within three years.
Accept the Long Game
Real economic progress takes years, not weeks. If you're looking for quick wins or shortcuts, you'll be disappointed. Our programs assume you're thinking in terms of 3-5 year horizons at minimum.
Phattarapong Srisuwan
Financial Planning Advisor
"I've watched people transform their financial situations over the past eight years. The ones who succeed aren't necessarily the smartest or highest earners. They're the ones who show up consistently and adjust when things don't go as planned."
The Mindset Shift Nobody Talks About
Plans Change and That's Fine
Your first financial plan won't be your last. Market conditions shift, personal circumstances evolve, and new opportunities emerge. We revise client plans every 6-12 months based on what's actually happening in their lives.
Example: A participant in our March 2025 program planned to invest heavily in property. Three months in, she realized her job might require international relocation. We pivoted to more liquid assets. Her plan didn't fail – it adapted.
Comparison Kills Progress
Your colleague might be buying a condo while you're still building emergency savings. That doesn't mean you're behind. Everyone's starting point, obligations, and timeline look different. Focus on your own metrics.
Example: Two people in our October 2024 cohort had similar incomes. One was supporting parents and building slower. The other had fewer obligations but also less safety net. Both made real progress on their own terms.
Small Decisions Compound Over Time
Saving an extra 2,000 baht monthly doesn't feel dramatic. But over five years with modest growth, that becomes meaningful capital. The inverse is also true – small leaks in spending accumulate into large opportunity costs.
Example: We had a client track his convenience store purchases for two months. Turns out he was spending 4,500 baht on impulse snacks and drinks. Cutting that to 1,500 freed up 3,000 monthly – 36,000 annually – for actual goals.