Frame Household Finance
When commissions, seasonal work, or freelance invoices swing your cash flow, generic budgeting apps rarely match how your household actually earns.
Irregular pay is not a character flaw
Variable-income households in Phuket and across Thailand often juggle multiple earners, tipped work, project fees, and quiet months in the same year. Spreadsheets break when every month has a different shape.
We focus on cash-buffer targets, bill timing, and tax-set-aside habits that respect feast-and-famine cycles — not a single “ideal” monthly salary that never arrives.
Planning conversations start from your real deposit patterns, not industry averages pulled from salaried employees.
The problem we hear most often
“We had a strong quarter, spent like it would never end, then scrambled when assignments paused — without knowing which costs were fixed and which could wait.”
This is anonymised pattern language from intake notes, not a client quote. It is the gap we design plans around.
Who this planning work fits
Households with lumpy deposits
Freelancers, hospitality staff with variable shifts, and families mixing salaried and gig income who need a shared picture of safe spending.
Couples negotiating trade-offs
When one partner wants aggressive debt payoff and the other needs liquidity for school fees, we map scenarios in THB with explicit trade-off lines.
Not a fit for
Anyone seeking licensed securities dealing, guaranteed returns, or one-click investment products. We do not sell financial instruments on this site.
Consultations and ongoing reviews
Initial sessions map income streams, mandatory outflows, and sinking funds for predictable-but-not-monthly costs (visas, insurance renewals, equipment).
Follow-up reviews adjust buffers when your earning pattern shifts — for example moving from high-season tourism hours to off-season projects.
Fees for sessions are agreed before you book; nothing on this site constitutes a binding quote until confirmed in writing.
View consultation formats
Based in Kathu, working in English
Meetings can be arranged at our Patong Beach Road office or by video. We document plans in English with THB figures you can reconcile against local bank statements.
Questions variable-income households ask
Do you manage investments for us?
No. We help you clarify goals, cash flow, and review checkpoints. Investment product selection stays with licensed providers you choose independently.
How often should we review the plan?
Many households schedule a light review quarterly and a deeper refresh after a major income change. Cadence is proposed during your first session.
Is this regulated financial advice?
We provide planning and education-oriented consultations. Credentials and scope are confirmed in your engagement letter before paid work begins.