You are applying for an initial in-country Non-O based on a spouse to a Thai national at the Chaeng Wattana office.
You have to have a 400K Baht deposit as of the application day, but you don't have to wait for two months for the initial visa. Two months of seasoning is required for a 1-year extension, not for an initial visa.
You can apply for an initial visa until 12 Nov as long as you can get the required documents sorted.
You have to go to the CW office to get the latest requirements list ASAP. This is the sample list for an initial visa in Bangkok, but as you can see, it's 2.5 years old.
And don't wait until the last day to apply for your visa.
IF 27 Feb 2025 is the "must be used by" date on your visa eVisa PDF, NOT the date on your entry stamp, you can leave and re-enter Thailand on or just before that date and you will be stamped for another year (or until the insurance policy expires). Then you can manage your monthly transfers.
If it's the date on your entry stamp, and the visa itself is already expired, your choices are limited.
For a 1-year extension based on being over 50, some immigration offices accept a combination method for proof of funds, you can use monthly transfers to Thailand and banked money in a Thai bank account, summing up to at least 800k Baht. BUT, you still need monthly transfers for 12 months.
You have no other way than putting 800K baht in your Thai bank account, and season them for 2 months as of application day. unless your embassy in Thailand issues an affidavit of income.
, yes, all applicants have to pay each. It totally depends on the Thai Embassy/consulate if they require you to prove 500K for each or 500K baht equivalent of the primary applicant can cover all family members. Yes, both have to do 90-day reports if staying in Thailand long enough.
She can work only remotely for the company or clients outside Thailand, not for anyone inside Thailand.
The advantage depends on individuals' priority. Someone's pros could be someone else's cons. That is solely your decision.