Three programs, one careful approach
Each program addresses a specific income situation. No catch-all curriculum — just focused, relevant education for where you actually are.
Back to HomeHow our programs are structured
Every Tivolin program follows the same three-session structure: a discovery session where we understand your current situation, a skills session where we introduce relevant frameworks and tools, and an application session where we work through a personalised plan together.
Sessions are spaced out by design — typically one to two weeks apart — so there's time to reflect and apply what you've covered between meetings. This spacing is deliberate, not administrative.
All programs are available in person at our Patong office or online. Materials are provided digitally before each session so participants can review them at their own pace.
Discovery
Understand your current situation and goals
Skills
Introduce frameworks and relevant tools
Application
Build your personalised plan together
Young Professional Finance Start
Designed for early-career individuals who are earning a regular salary for the first time and want to make deliberate decisions from the start. Covers salary allocation strategies, employer benefit understanding, first-time savings account selection in Thailand, and the basics of compounding over time.
- Understanding take-home pay and Thai payroll deductions
- Provident fund and social security overview
- Savings account types and interest rate comparison
- Simple allocation framework for monthly income
- Peer cohort — shared learning with people in similar situations
Side Income Financial Organization
Built for people earning from more than one source — freelancing, part-time roles, small ventures, or platform-based work alongside employment. Covers income tracking across sources, simplified bookkeeping methods, the tax implications of side income under Thai law, and goal-based allocation across multiple income streams.
- Multi-source income tracking and categorisation
- Basic bookkeeping for non-accountants
- Thai personal income tax — what applies to side income
- Goal-based allocation across variable monthly income
- Income tracker template and reference guide included
Financial Couple's Alignment Session
A facilitated program for couples who want to discuss and align their approaches to money. Covers joint versus separate account strategies, shared goal-setting frameworks, spending transparency practices, and structured approaches to resolving financial disagreements. Includes a follow-up review session after the main program concludes.
- Joint vs separate account decision framework
- Shared financial goal-setting with realistic timelines
- Spending transparency — practical approaches, not judgement
- Money conflict resolution techniques
- Couples financial agreement template + follow-up review
Program comparison
| Feature | Young Professional | Side Income | Couples |
|---|---|---|---|
| Number of sessions | 3 | 3 | 3 + follow-up |
| Format | Small cohort | Small cohort | Couple only |
| Thai tax content | |||
| Couples framework | |||
| Take-home tools | Starter plan | Tracker + guide | Agreement template |
| Price | ฿3,800 | ฿6,500 | ฿11,500 |
Not sure which fits? Get in touch and we'll help you decide.
Shared across all programs
Full confidentiality
Nothing shared in sessions leaves the room. Financial information is never recorded or shared beyond the facilitation team.
No financial product sales
We never recommend specific financial products, earn referral fees, or direct participants toward particular banks or funds.
Content updated twice a year
Thai tax rules and banking products evolve. We review all program content every six months to keep it current.
Delivered entirely in English
All sessions, materials, and communications are in English, making our programs accessible to expats and international residents.
Post-program feedback
Every participant is invited to share feedback. We use it to refine sessions and identify where explanations can be improved.
Qualified facilitation only
Every program is delivered by a facilitator with relevant credentials in financial education or advisory. No substitutions.
Not sure where to start?
Drop us a message and we'll take a few minutes to understand your situation before suggesting a program. No pressure, just a conversation.
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