Client Experiences

In Their Own Words

The clearest measure of our work is what participants say once the program is finished and they have had time to apply what they learned.

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380+

Adults who have completed programs

4.8

Average satisfaction rating out of 5

Years of programs in Chiang Mai

94%

Would recommend to others

What Participants Say

Participant Testimonials

Perspectives from a range of participants — Thai nationals, long-term residents, and expatriates living in northern Thailand.

"I attended the bill management session expecting it to be fairly basic. It was more thorough than I anticipated. Going through my actual bills in a group setting made it easier to spot things I would have skipped over on my own. I reduced my monthly outgoings meaningfully within two weeks."

Siripan Ratchasima

Chiang Mai · March 2026

Monthly Bill Management

"The condominium program gave me a completely different understanding of what I was considering. I had not realised how much the ongoing fees could add up, or what to look for in a purchase agreement. I did not feel pressured to reach any particular conclusion — the facilitators were genuinely neutral."

Prawit Wongsuphan

Chiang Mai · February 2026

Condominium Investment Awareness

"As someone managing a pension from abroad alongside Thai income, I had been muddling through for years. The expatriate program gave me the structure to understand what I was actually dealing with. The facilitator was careful to distinguish between what we could discuss as education and what would need a tax professional."

David Hawthorn

Long-term Resident · March 2026

Expatriate Financial Coordination

"I appreciated that the group was small enough to actually have a conversation. In most courses I have attended, there are too many people for questions to be taken seriously. Here, the facilitator took time with each situation and the other participants' questions were often relevant to me as well."

Nattaya Kanchanawat

Chiang Rai · February 2026

Condominium Investment Awareness

"My wife and I attended the bill management session together. We both came away with different things we wanted to change. The template they provided is something we still use — it is simple and it works. The conversation about negotiating with providers was more useful than I expected."

Anucha Thienboon

Chiang Mai · January 2026

Monthly Bill Management

"I had heard about Chokdee Jai from a friend who completed the expat finance program. I was somewhat uncertain at first — I was not sure how much I needed it. By the second session I had a clearer picture of my cross-border situation than I had managed to build up over several years of reading on my own."

Marie-Louise Fontaine

French Resident · March 2026

Expatriate Financial Coordination

Case Studies

Three Participant Journeys

A closer look at what led a few participants to Chokdee Jai, what they explored, and what changed afterward.

Challenge

Household Costs Out of Control

A retired couple in Chiang Mai found that their monthly expenses had grown considerably over three years — largely through accumulated subscriptions and unchanged service contracts — without any single large spending decision.

Approach

Bill Management Session

They attended the evening session together, bringing printouts of their recent bills. Working through the audit framework in the session, they identified seven subscriptions they had forgotten about and two utility contracts that had not been reviewed in four years.

Outcome

Measurable Reduction

Within six weeks, they had reduced their monthly outgoings by approximately ฿4,200 — without making any significant lifestyle changes — and established a quarterly review habit using the session template. Timeline: 1 evening + 6 weeks.

"We came in thinking we had a rough idea of where the money was going. We left knowing exactly where it was going — and that was the uncomfortable part. In a good way."

Challenge

A Property Decision That Felt Rushed

A Thai professional in her mid-50s was being encouraged by a developer to commit to a new condominium. She felt uncertain about the financial terms and wanted to understand what she was signing before making a commitment.

Approach

Condominium Awareness Program

She completed all three sessions, which covered the market context, the legal ownership structure, and a session on reading Thai purchase agreements. The program did not tell her what to decide — it helped her understand what she was being asked to decide.

Outcome

A Better-Informed Choice

She negotiated two changes to the purchase agreement terms and requested a legal review of the contract, which she had not previously felt confident enough to do. She completed the purchase three months later, having requested those changes. Timeline: 3 sessions over 2 weeks.

"I needed someone to explain what I was reading. Not to tell me what to do — I can make my own decisions. I just needed to understand the document first."

Challenge

Cross-Border Finances Without a Framework

A British national who had lived in Chiang Mai for eleven years was managing income from a UK pension, a rental property in England, and a Thai bank account — with no clear understanding of how each stream interacted with Thai tax obligations.

Approach

Expatriate Financial Coordination

He completed all six sessions over a month, working through Thailand's tax residency rules, the UK-Thailand double taxation agreement, and the practical implications for how his income streams were treated. The program helped him identify specific questions to bring to a tax professional.

Outcome

Clarity and a Path Forward

He subsequently engaged a Thai tax adviser — something he had put off for years — because he now had the vocabulary and framework to engage meaningfully in that conversation. He described the program as making professional advice "actually usable." Timeline: 6 sessions over 1 month.

"I had avoided seeing a tax professional because I did not know what to ask. After the program I knew exactly what I needed to find out."

Contact Chokdee Jai

Phone

+66 53 418 276

[email protected]

Address

28 Naresuan Road, Si Phum
Chiang Mai 50200

Hours

Tue–Fri 10:00–19:00
Sat 09:00–14:00

Professional Affiliations

Member — Thai Financial Education Association (since 2019)
PDPA Compliant Operations (Personal Data Protection Act TH)
Chiang Mai Chamber of Commerce — Community Recognition, 2024
Curriculum reviewed bi-annually against Thai financial regulations
No referral arrangements — independent educational centre

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