In many Min Buri households the serious savings are not in a passbook. They are a pouch of gold kept by a parent, plus a tin or a drawer of notes for the weeks when wages and the market do not line up. Both are real. They are not the same kind of real, and a planning sheet that merges them will lie.
The cash tin is for short gaps: a late salary, a supplier who must be paid on Thursday, a clinic visit. It should look small on the sheet and close to the months. If the tin is always empty by the twentieth, that is a fact about timing, not a moral failing. The map shows the twentieth.
Gold is slower. Selling it takes a trip, a price on the day, and often a conversation with the person who is holding it. We draw it as a reserve with a lock, not as next month's school fee, unless you have already decided to sell and can say so in the room. A reserve that everyone assumes is available will be spent twice in the conversation and once in real life.
Write two lines before you come. One is the tin, counted, in baht. The other is the gold, in the weight or the purchase price you know, plus where it sits and who must agree before it moves. If you do not know the weight, say so. We will not invent a price.
The practice does not buy or sell gold, and the sheet is not a reason to liquidate it. The point of seeing both is to stop a short-term hole from being filled with the thing you meant to keep for a parent or for a year when wages stop.
Bring a written note of both, and leave the gold where it already is. Write to the office when you are ready to name a week.