Our Courses
Three Courses,
One Clear Direction
From building a first budget to coordinating a three-year family financial plan — a structured path through personal finance for adults in northern Thailand.
Back to HomeOur Methodology
How Withaya Courses Are Structured
Each course follows the same underlying method: introduce a concept in a session, apply it to your own financial situation between sessions, and review it with a facilitator before moving on. The pacing is deliberate and the feedback is personal.
Introduce
Concept explained in a live session with examples specific to Thailand
Apply
Participants work through exercises using their own actual income and expenses
Review
Facilitator reviews the work and addresses questions before the next session
Consolidate
Final session ties everything together and sets up the tools for ongoing use
Building Your First Personal Budget
A patient and encouraging course for adults over 40 who have not previously maintained a structured personal budget. The content is clear, the language is plain, and the pace is designed to give you time to actually apply what you're learning.
Covers income tracking, expense categorisation, the difference between fixed and variable costs, and how to choose a budgeting method that fits your lifestyle. Participants create their own budget using provided templates during guided workshop sessions.
What's Included
- Two live sessions (approximately 2.5 hours each)
- Budgeting starter kit with income and expense templates
- Monthly review calendar aligned to Thai public holidays
- Between-session support via email or phone
Course Steps
- 1Understanding where your money comes from and where it goes each month
- 2Separating fixed costs from variable expenses
- 3Choosing and adapting a budgeting method to your household
- 4Building your first complete monthly budget and setting up a review routine
Course Fee
฿4,200
All-inclusive, no additional charges
Optimizing Spending and Saving Patterns
For those who have a basic budget in place and want to work with it more intentionally. This course addresses the next level of questions: where is money leaving without adding value, how to set savings targets that mean something, and how to automate what can be automated.
Content includes spending audit exercises, goal-setting workshops, and guidance on using Thai banking features to automate savings. Particular attention is given to households with irregular or seasonal income — a common situation in northern Thailand.
What's Included
- Three one-to-one coaching sessions
- Savings acceleration worksheet
- Quarterly budget review template
- Thai banking automation guide
Course Steps
- 1Spending audit — identifying where money is going that doesn't align with your priorities
- 2Setting savings targets connected to meaningful personal goals
- 3Setting up Thai banking automation for regular savings
- 4Adjusting the budget for irregular income and seasonal expenses
- 5Quarterly review process and ongoing adjustment practice
Course Fee
฿9,500
All-inclusive, no additional charges
Long-Range Financial Planning Through Budgeting
Designed for participants who are ready to extend their financial thinking across multiple years. This course deals with the larger decisions: how to budget for education costs, property maintenance, healthcare, and debt repayment over a three-to-five-year horizon.
It also addresses the practical reality of coordinating financial plans within a household — with a partner, adult children, or ageing parents — and helps participants build a complete three-year financial roadmap as the course's closing deliverable.
What's Included
- Five group sessions over eight to ten weeks
- Two individual advisory calls
- Multi-year planning spreadsheet workshop
- Capstone three-year financial roadmap presentation
Course Steps
- 1Forecasting future major expenses (healthcare, property, education)
- 2Integrating debt repayment timelines into the multi-year plan
- 3Coordinating household financial goals with partner or family members
- 4Building the multi-year spreadsheet with facilitator guidance
- 5Capstone presentation and review of the three-year financial roadmap
Course Fee
฿16,800
All-inclusive, no additional charges
Help Choosing
Which Course Is Right for You?
A side-by-side look at what each course covers — to help you decide where to begin or continue.
| Feature | Course 1 ฿4,200 |
Course 2 ฿9,500 |
Course 3 ฿16,800 |
|---|---|---|---|
| Best for | Starting from scratch | Refining an existing budget | Multi-year planning |
| Income & expense tracking | |||
| Live facilitated sessions | 2 sessions | 3 coaching sessions | 5 sessions + 2 calls |
| Spending audit exercise | |||
| Savings automation guide | |||
| Multi-year forecasting | |||
| Household / family coordination | |||
| Three-year roadmap capstone |
If you're unsure which course is right for you, we're happy to talk it through before you decide.
Standards
Shared Across All Courses
Financial Privacy
All financial information discussed in sessions is treated as confidential and is not shared with any third party.
Qualified Facilitation
Every session is led by a facilitator with a background in financial education and adult learning methodology.
Clear Language
Sessions and materials use plain language throughout — no financial jargon without a clear explanation alongside it.
Annual Updates
Curriculum content is reviewed and updated each year to reflect current Thai banking options and cost-of-living data.
No Product Sales
No financial products, investment platforms, or third-party services are sold or promoted within any Withaya course.
Feedback Integration
Participant feedback is collected after every course and used directly to improve future sessions and materials.
Pricing
All-Inclusive Course Fees
฿4,200
All content and materials included
Building Your First Budget
- 2 live sessions
- Starter kit templates
- Monthly review calendar
฿9,500
All content and materials included
Optimizing Spending & Saving
- 3 coaching sessions
- Savings acceleration worksheet
- Quarterly review template
- Banking automation guide
฿16,800
All content and materials included
Long-Range Financial Planning
- 5 sessions + 2 advisory calls
- Multi-year planning spreadsheet
- Three-year roadmap capstone
Not Sure Where to Begin?
A short conversation with us is usually enough to identify the right course for your current situation. There's no obligation to enrol.
Get in Touch