01Intake
Intake pass — we read the household as it is.
Bring a quarter of statements and any bills that arrive on a cycle. We sit together for 60–90 minutes and tag every line against a chart of accounts built for households, not companies.
SPEC.01
Household cash-flow planning — a measured, repeatable method for individuals and families who want to know where their money actually goes.
// 02 — Process
A consultation runs in four measured passes.
Process-led is the only honest way to do household budgeting: we inspect, classify, project, then review — and we tell you what each pass found before moving on.
02Diagnose
Diagnose pass — we find where the cash leaks.
From the classified baseline we surface three things: fixed obligations that have crept up, discretionary categories that drift, and timing gaps between inflow and outflow. Each finding is written as a single sentence you can act on.
03Project
Project pass — we build the 12-month rolling plan.
From the baseline and findings we draft a month-by-month plan that fits how your income actually arrives and how your bills actually fall — including the irregular ones like taxes, insurance, school fees and lunar new year. The surplus or gap shows up before the month closes.
04Review
Review pass — we close the loop, then keep it closed.
Each month we read the plan against the actuals, talk through any line that moved, and reset the next month accordingly. Ongoing planning support runs on a quarterly cadence by default; you can lift it to monthly during a transition.
// 03 — Frame
The household is a system. Treat it like one: measure inputs, classify outputs, and the surplus appears on its own.
// 04 — Thesis
Budgeting fails when it is built on hope. A plan built on three months of real numbers, reviewed every month, does not fail — it just tells you the truth earlier than your bank does.
— GridSchema method note · Process-led// 05 — Scope
What we look at, line by line.
Household budgeting only works if the scope is honest. Here is exactly what we examine in your cash flow — and what we leave to your insurance agent, your tax accountant and your broker.
AFixed
Fixed obligations — rent, mortgage, school fees, loans.
We list every recurring fixed outflow, confirm its actual amount (not the amount you remember), and check for items that have crept up over the last two renewal cycles.
BVariable
Variable spending — groceries, transport, eating out, household goods.
We classify variable spend into eight standard categories and benchmark your household against your own 90-day average, not against an industry average that does not know your city.
CTiming
Timing — pay cycle vs. bill cycle, irregular spends, reserve.
We map your inflow dates against your outflow dates and find the weeks where the account runs dry. Irregular spends (taxes, insurance, lunar new year, school term) are pre-funded, not surprised by.
DReserve
Reserve target — and the path to reach it.
We set a reserve target expressed in months of fixed obligations, not as a flat number. The path to reach it is built into the 12-month plan, not bolted on as a wish.
// 06 — Session
A consultation is a working session, not a sales call. You leave with a classified baseline and a written next-action — even if you never book again.
// 07 — Begin
The first consultation is one booked hour and three months of your statements. You will leave it knowing more about your own household than your bank does.