Household budgeting is a process, not a product. Here is the exact sequence you go through from the first email to the twelfth monthly review — written down so you can hold us to it.
After the first email we send a short intake note asking for three months of bank and card statements, plus recurring bills. PDF or screenshot is fine. Nothing is uploaded to a third-party processor — files arrive at info@gridschema-system.digital on this domain and stay there.
In the Taipei office or over a video call, we label every line item against a fixed household chart of accounts. You see the categories form as we go. The session ends with a printed or PDF baseline ledger and one next-action item.
Within five business days of the baseline session you receive a short written diagnosis: three to seven named findings, each with the dollar exposure over a year. No scoring, no rating, no scare tactics — just the leaks, named, in sentences you can act on.
If you continue to the rolling plan, we draft a month-by-month plan keyed to your income rhythm and your recurring obligations, including the irregular ones. The plan shows the surplus or shortfall before the month closes, and any month heading for a deficit is marked in advance.
Quarterly by default, monthly during transitions. At each review we lay the plan next to the actuals, go through every line that diverged, and revise the following month. You receive a written variance note and a single next-action item.
Once every twelve months we rebuild the baseline from new statements and re-issue a fresh 12-month plan. Households change; plans built on a stale baseline break silently. The annual re-plan is included in ongoing support, and available as a one-off for the rolling plan.
No. We need a quarter of bank and card statements and any recurring bills you handle separately. Cash spending you manage yourself — we give you a small tracking sheet, but we do not require it.
Either. The written chart of accounts is in English by default; we can switch to Traditional Chinese for the session and the diagnosis on request. The numbers do not change between languages.
Irregular income is exactly what the rolling plan is built for. We model inflow as a distribution, not a fixed monthly number, and we set the reserve target against the lowest-quartile month. This is the most common case we see.
Yes — for a household plan, both adults who share the cash flow should be in the baseline session. There is no additional fee for a second attendee. For ongoing support, monthly reviews can be joint or single.
Files you sent are deleted from info@gridschema-system.digital on request, or automatically twelve months after the engagement ends. The plan and diagnosis are yours to keep. See /privacy/ for the full retention rule.