Family Money · Warwick 2026–27
Where is the Family Money?
A cashflow and account custody map showing where family money sits right now, how it moves, and what is still needed.
Current GBP / THB rate
—
Higher GBP/THB means more THB required for the same GBP amount.
Verify on official KTB Travel Card rate page.Family Economic Total
Family fundsConverted
£7,966.00
฿346,798.50
Remaining to fund
£28,932.00
Conservative target
Future commitments
£28,932.00
Family-funded
Source allocation
£25,658.00
Original value
Conservative reconciliation: the family schedule (£28,932.00) exceeds the source allocation (£25,658.00) by £3,274.00. The higher figure (£28,932.00) is used as the planning target.
How the money moves
Converted / received
£7,966.00 · ฿346,798.50
Family money already converted
Reserved / allocated
£1,500.00 tuition deposit
Accommodation deposit: awaiting verification
Available liquidity
Awaiting input
Per-account GBP / THB not yet reconciled
Upcoming payment
£12,120.00
Term 1 Tuition · 2026-10-05
Account custody map
Balances awaiting inputAvailable GBP
Awaiting input
Available THB
Awaiting input
Reserved
Awaiting input
Liquidity
Not reconciled
Family Funds held on Third's card. Economic ownership is Family, held and managed physically by Third (Puto by trd).
Available GBP
Awaiting input
Available THB
Awaiting input
Reserved
Awaiting input
Liquidity
Not reconciled
Verified as a THB digital account. Economic ownership vs physical custody distinction applies.
Available GBP
Awaiting input
Available THB
Awaiting input
Reserved
Awaiting input
Liquidity
Not reconciled
Broader requested account label. Role and balances awaiting input.
Available GBP
Awaiting input
Available THB
Awaiting input
Reserved
Awaiting input
Liquidity
Not reconciled
GBP account (Krungthai KTB Global Saving Account verified as GBP). Balances awaiting input.
Available GBP
Awaiting input
Available THB
Awaiting input
Reserved
Awaiting input
Liquidity
Not reconciled
Physical cash on hand. Balances awaiting input.
Economic ownership is who the money belongs to. Physical custody is whose card or account holds it. Family money held on Third's card is economic Family, held physically by Third (Puto by trd).
Upcoming Family payments
Reconciliation
Master remainder vs future schedule
Family allocation mismatch
Conservative reconciliation
Where two figures describe the same obligation and differ, the higher (maximum) amount is the planning target. Master remainder £28,842.97 vs schedule £28,932.00 → the conservative remaining target is £28,932.00, used consistently across the progress bar, FX calculator and cashflow displays.
Third × Family · puto-warwick
UK Financial Command Center
Warwick 2026–27 · Master budget, funding progress, FX sensitivity and reconciliation.
Last updated 21 Aug 2026 · All figures in GBP unless noted
Safe-to-Spend
Awaiting input
Held funds in accounts, not yet reconciled
Converted
£22,096.03
฿964,069.30
Committed
£28,932.00
Known future schedule
Safe-to-Spend
—
Awaiting account balances
Master UK Budget
£50,939.00
฿2,209,734
Master Budget
£50,939.00
฿2,209,734.00
Total Converted
£22,096.03
43.4% funded
Remaining to Fund
£28,932.00
Conservative · schedule £28,932.00 vs remainder £28,842.97
Known Commitments
£28,932.00
Future schedule
Reconciliation Flag
£-89.03
Schedule vs remainder
Allocation
Owner allocation and responsibility
Baseline
£17,315.00
Converted
£14,130.03
฿617,270.80
Remaining
£3,184.97
Baseline
£33,624.00
Converted
£7,966.00
฿346,798.50
Remaining
£25,658.00
| Owner | Baseline | Converted | Remaining | Funded |
|---|---|---|---|---|
| Third | £17,315.00 | £14,130.03 | £3,184.97 | 82% |
| Family | £33,624.00 | £7,966.00 | £25,658.00 | 24% |
| Total | £50,939.00 | £22,096.03 | £28,842.97 | 43.4% |
Puto by trd rule
Family money held on Third's card represents economic ownership by Family, held and managed by Third. The cardholder is physical; the owner is economic.
Allocation mismatch
Future scheduled commitments (£28,932.00) run £3,274.00 above Family's remaining allocation (£28,842.97). Line-by-line reconciliation required.
5-State Money Engine
Where every pound lives
Known allocation £57,864.00 of £50,939.00 master budget · Committed and Unallocated both draw from the remaining budget; Unallocated uses the conservative remaining target (£28,932.00).
Already spent
Awaiting input
Converted & available in accounts
Awaiting input
Reserved for known tuition / rent
£28,932.00
56.8% of budget
Expected but not yet funded
Awaiting input
Budget exists but not assigned
£28,932.00
56.8% of budget
Family-funded commitments
Known future payment schedule
Timeline · Oct 2026 → Apr 2027
| Commitment | Payer | Note | ||
|---|---|---|---|---|
| 5 Oct 2026 | Term 1 Tuition | Family | £12,120.00 | £10,185 already covered / allocated, £1,935 remaining to convert |
| 24 Oct 2026 | Term 2 Rent (CODE 48%) | Family | £4,692.00 | — |
| 11 Jan 2027 | Term 2 Tuition (25%) | Family | £6,060.00 | — |
| 26 Apr 2027 | Term 3 Tuition (25%) | Family | £6,060.00 | — |
| Total scheduled | £28,932.00 | All Family-funded | ||
FX sensitivity
Baht exposure and strike zone
Cost of remaining £28,932.00 by rate
Tracked remaining
£28,932.00
Conservative remaining target
Strike zone exposure
£18,747.00
FX-sensitive within remainder
Rule of thumb
฿28,932
per ฿1/£ swing
Live calculator
Feed unavailableCurrent rate (฿/£)
฿45.00
Live feed unavailable - showing the ฿45 baseline.
Scenario matrix
FX conversion ledger & cashflow
Conversion ledger by account
Verified aggregate totals · dashboard-level, not a line-item ledger
Total converted
£22,096.03
฿964,069.30
Third
£14,130.03
฿617,270.80
Family
£7,966.00
฿346,798.50
These are the dashboard's aggregate conversion totals. They are not a fabricated line-item ledger - individual transactions remain awaiting input.
Accounts · roles and ownership
| Account / Card | Role | GBP held | THB held | Economic owner | Physical holder | Liquidity | Recon |
|---|---|---|---|---|---|---|---|
| KTB Travel Card | Primary FX | — | — | Family | Third | Awaiting input | Not yet reconciled |
| Krungsri Kept / Savings | THB digital savings | — | — | Third | Third | Awaiting input | Not yet reconciled |
| UOB TMRW | Account | — | — | Third | Third | Awaiting input | Not yet reconciled |
| UK Account | GBP account | — | — | Mixed | Unknown | Awaiting input | Not yet reconciled |
| Cash | Physical cash | — | — | Family | Family | Awaiting input | Not yet reconciled |
Krungsri Kept verified as a THB digital account; Krungthai KTB Global Saving Account verified as GBP. Balances and reconciliation are awaiting input - no balances are invented.
No conversion history found
No complete saved conversion log was found in the workspace or connected email. Add transactions manually, or import a log, to build the ledger. Nothing is fabricated.
Operational workflow
Sinking funds, burn and accounts
10 sinking funds · none allocated yet
Awaiting inputAmounts are local dashboard data until a backend is connected. Nothing is written to an account.
Reconciliation
Audit flags
Master remainder vs future schedule
- Master budget remainder £28,842.97
- Known future schedule £28,932.00
- Variance £-89.03 (schedule runs £89.03 above remainder)
Family allocation mismatch
- Future scheduled commitments £28,932.00
- Family remaining allocation £25,658.00
- Mismatch £3,274.00 above Family remaining
Line-by-line reconciliation required
Unallocated living, travel, setup and emergency buffers must be reconciled against the remaining master budget before any further conversion.
Conservative reconciliation policy
Where two figures describe the same obligation and differ, the maximum is used as the controlling planning target, and the lower figure is retained as a source reference.
- Remaining to fundmax(£28,842.97 remainder , £28,932.00 schedule) → £28,932.00
- Family remainingmax(£25,658.00 allocation , £28,932.00 schedule) → £28,932.00
These conservative targets drive the progress bar, FX calculator and cashflow displays so totals remain consistent. Source values stay in the audit trail above.
Tracking
Next steps checklist
Operating commands
Quick actions
Entries are user-entered local dashboard data. Nothing is written to an account unless a backend is connected.