Education planning guide

Chiang Mai families, multi-stage fee calendars

International programmes, bilingual schools, and overseas university pathways rarely share the same billing rhythm. This guide mirrors the checklist we use in consultations—adapt it before you sign multi-year contracts.

Stage 1 — Quote reality check

Collect official fee tables, transport, activity deposits, and inflation notes from each school. Mark which costs are locked versus revisable annually. If a quote is only in foreign currency, note the exchange rate assumption the school used.

Stage 2 — Liquidity ladder

Separate near-term tuition (12–24 months) from university horizon (5+ years). Near-term buckets stay in stable, accessible holdings; longer horizons may tolerate measured volatility if you document the downside you can accept.

Stage 3 — Household coordination

Assign owners: who approves extra tuition, who tracks scholarships, who maintains emergency reserves. Education savings fail quietly when responsibilities are ambiguous.

Stage 4 — Documentation before deposits

Before non-refundable deposits, capture your funding plan in writing—even a one-page memo helps ad-hoc decisions later.

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