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	<title>Pinoy Frugal Living &#187; Debit Cards</title>
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		<title>How to Travel in Style– On a Budget in Bangkok</title>
		<link>http://pinoyfrugalliving.com/budgeting/how-to-travel-in-style-on-a-budget/</link>
		<comments>http://pinoyfrugalliving.com/budgeting/how-to-travel-in-style-on-a-budget/#comments</comments>
		<pubDate>Thu, 18 Feb 2010 02:58:19 +0000</pubDate>
		<dc:creator>Alma</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Spending]]></category>
		<category><![CDATA[Travel Tips]]></category>
		<category><![CDATA[Bangkok]]></category>
		<category><![CDATA[budget travel]]></category>
		<category><![CDATA[Cebu Pacific]]></category>
		<category><![CDATA[Philippine Airlines]]></category>
		<category><![CDATA[Thailand]]></category>
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		<guid isPermaLink="false">http://pinoyfrugalliving.com/?p=173</guid>
		<description><![CDATA[I just went to travel to Bangkok on a strict budget.  So one of the tricks on staying on budget is preparation. Air Fare.  Buying your tickets months before your travel date will give you a huge discount.  This is true.  I checked all the airline rates online to determine the best airline rate.  Since [...]


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			<content:encoded><![CDATA[<p>I just went to travel to Bangkok on a strict budget.  So one of the tricks on staying on budget is preparation.</p>
<p>Air Fare.  Buying your tickets months before your travel date will give you a huge discount.  This is true.  I checked all the airline rates online to determine the best airline rate.  Since Bangkok is fairly one of the topmost destinations for Pinoys who wanted to shop, there are simply a good deal of flight schedules to choose from.  I checked out the <a href="http://www.thaiair.com/">Thai Airways website</a> first, then <a href="http://www.philippineair.com">Philippine Airlines</a> then<a href="http://lifediscourse.com/2009/12/02/cebu-pacific-why-do-you-suck-so-much/"> Cebu Pacific the last</a>.  I would have booked with <a href="http://lifediscourse.com/2009/12/02/cebu-pacific-why-do-you-suck-so-much/">Cebu Pacific</a> but hey <a href="http://lifediscourse.com/2009/12/02/cebu-pacific-why-do-you-suck-so-much/">they suck remember</a>? So  I decided to take Philippine Airlines and was quite surprised to find that the difference was only P900. To heck with the 900 pesos price difference.</p>
<p>Hotels.  In case of Bangkok, there are simply too many hotels in the city to choose from.  I decided to use <a href="http://www.tripadvisor.com">Tripadvisor</a> and <a href="http://www.agoda.com">Agoda</a> for hotel reviews before making my bookings.  Hotel rooms range from USD18-120 per night, and I decided that to be able to gauge the hotels, I used location and distance from the Bangkok Skytrain as my requirements.</p>
<p>Having narrowed it down to anywhere between 5-10 minute walk away from BTS, I started narrowing the locations down by using Google Maps to point out the location of the malls I wanted to shop in.  Since my target was the Central World and Siam Paragon, I decided that staying at a hotel close to the malls would be ok.  WRONG.</p>
<p>Why?  Because the top malls in Bangkok is on the most busiest place in the city, the hotels close to the malls are the most expensive.  Talk about USD120-180 per night hotels&#8230; simply out of my budget.  Heck, I was hoping to find a hotel room for USD30-35/ night.  My other requirement is free wifi and stellar reviews from business and solo travelers.</p>
<p>So I went on looking.  Using Tripadvisor and Agoda was a good idea.  I managed to narrow down the hotels near the stations and I managed to narrow them down on my price range, and I ended up with 2 possible hotels:</p>
<p>1- <a href="http://www.royalivory.com/">Royal Ivory Nana Hotel</a>- 1 block away from the BTS.  Not bad.  At Bangkok scale, a block could be as far as a 5-10 minute walk.  Wifi is free and the hotel have less than 60 rooms.  Which makes it ideal for solo travelers.  I hate crowds.</p>
<p>2- <a href="http://www.bangkokloftinn.com">Bangkok Loft Inn</a>-  half a block away from the closest BTS station.  Great.  I checked out the reviews via Tripadvisor and Agoda, and the hotel got RAVE reviews.</p>
<p>The Decision.  I opted to stay the Bangkok Loft Inn.  Why?  I checked out the age of the hotel and found out that the BLI is newly opened.  This means, new bed, new television, spunkier furniture, and I was right.  Not only that, after making my online booking at Bangkok Loft Inn, I asked if they could arrange for a hotel car to pick me up and they told me their car will pick me up at the airport for free.  Yes&#8230; note that almost all big hotels offer free shuttle rides to the hotels&#8230; so make sure you let your hotel know that you want to avail for free shuttle ride.</p>
<p>Then, after checking out the prices, I jotted them down using Google Docs and allocated B1,000/day for food.  Yes. I did not want to starve in Bangkok, and I have no plans of eating street food, so I allocated that amount per day for food.  Breakfast only cost USD1/day at Bangkok Loft Inn so I took the room and breakfast deal.</p>
<p>I then allocated the budget I was willing to spend for shopping including the list of items I would like to purchase.  This will help and will prevent you from buying something not in the list and create focus on your hunt for bargains.</p>
<p>I also searched the malls via Google and found out that the malls I wanted to shop in have a sale.  Yes&#8230;  Nothing beats than a 70-80 percent off sale on branded items&#8230;  Great.</p>
<p>My last day in Bangkok was spent in a night bazaar.  I spent all my remaining baht at Suan Lum Night Market.  I got several Bangkok and Thailand shirts from there, including cheap trinkets and local food items.  I also had dinner in a restaurant loft with my cousins for less than B850.  Not bad.</p>
<p>All in all, I managed to stay within my budget in Bangkok.  Not only that, I managed to get a refund at the airport for my purchases at the mall&#8230;  Bangkok was surprisingly easy to move around in.  Although taxi fares are cheaper than Manila, the language barrier can be a hassle so taking the most reliable and safest form of transportation was good.  The BTS is clean and on time.  It can be a little crowded, but the ride is ok since the train is air conditioned anyway.</p>
<p>To book at Bangkok Loft Inn:</p>
<p><strong>Bangkok Loft Inn</strong><a href="http://www.bangkokloftinn.com"> www.bangkokloftinn.com</a></p>
<p>55 Somdet Phra Chao Taksin Rd.,<br />
Bangyeerua, Thonburi<br />
Bangkok 10600, Thailand<br />
Tel. (+662) 862-0300<br />
Fax. (+662) 862-0492<br />
E-mail  bangkokloftinn@hotmail.com</p>


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<p>Related posts:<ol><li><a href='http://pinoyfrugalliving.com/holidays/how-to-survive-the-holidays-on-a-budget/' rel='bookmark' title='Permanent Link: How to Survive the Holidays on a Budget'>How to Survive the Holidays on a Budget</a> <small>One of the stress of planning for the holidays is...</small></li>
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		<title>A Me Update</title>
		<link>http://pinoyfrugalliving.com/credit-cards/a-me-update/</link>
		<comments>http://pinoyfrugalliving.com/credit-cards/a-me-update/#comments</comments>
		<pubDate>Sat, 09 May 2009 02:28:52 +0000</pubDate>
		<dc:creator>Alma</dc:creator>
				<category><![CDATA[Credit Cards]]></category>
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		<description><![CDATA[I have not been good lately.  I have neglected blogging because I was busy with webwork.  Suffice to say that financially we are okay but not too great because I have used up one of my emergency funds.  You see my family&#8216;s primary income comes from the monthly lease of our home in Manila, and [...]


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			<content:encoded><![CDATA[<p><img class="alignleft" src="http://img155.imageshack.us/img155/402/payoneerlogo5555412.gif" alt="" width="182" height="70" />I have not been good lately.  I have neglected blogging because I was busy with <a class="zem_slink" title="WeBWorK" rel="homepage" href="http://webwork.maa.org/">webwork</a>.  Suffice to say that financially we are okay but not too great because I have used up one of my emergency funds.  You see my <a class="zem_slink" title="Family (biology)" rel="wikipedia" href="http://en.wikipedia.org/wiki/Family_%28biology%29">family</a>&#8216;s primary <a class="zem_slink" title="Income" rel="wikipedia" href="http://en.wikipedia.org/wiki/Income">income</a> comes from the monthly lease of our home in <a class="zem_slink" title="Manila" rel="geolocation" href="http://maps.google.com/maps?ll=14.5833333333,120.966666667&amp;spn=0.1,0.1&amp;q=14.5833333333,120.966666667%20%28Manila%29&amp;t=h">Manila</a>, and since our <a class="zem_slink" title="Leasing" rel="wikipedia" href="http://en.wikipedia.org/wiki/Leasing">lease contract</a> ended last month, we do not have any other income aside from my weekly earnings in <a href="http://www.odesk.com/referrals/track/ahnanguie" target="_blank">oDesk</a>.</p>
<p>Thank <a class="zem_slink" title="God" rel="wikipedia" href="http://en.wikipedia.org/wiki/God">God</a> I still have<a href="http://www.odesk.com/referrals/track/ahnanguie"> oDesk</a> and we are pulling and chugging along fine.</p>
<p>Lifewise, we continue to live frugally.  Since my pay comes in weekly and my earning is forwarded to <a href="http://www.payoneer.com">Payoneer</a>, I needed to go to the city to withdraw my earnings.  I usually use my card to pay for the groceries since mastercard is accepted almost everwhere here.</p>
<p>To those who area interestedto know more about<a href="http://www.odesk.com/referrals/track/ahnanguie"> oDesk</a> or webworking, please feel free to email me (almaatpinoyfrugallivingdotcom) or use this <a href="http://pinoyfrugalliving.com/contact/">contact form</a>.  I hope to hear from you all.</p>
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		<title>Paypal Overcharge!</title>
		<link>http://pinoyfrugalliving.com/debit-cards/paypal-overcharge/</link>
		<comments>http://pinoyfrugalliving.com/debit-cards/paypal-overcharge/#comments</comments>
		<pubDate>Sun, 01 Mar 2009 04:38:39 +0000</pubDate>
		<dc:creator>Alma</dc:creator>
				<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[Consumerist]]></category>
		<category><![CDATA[glitch]]></category>
		<category><![CDATA[Paypal]]></category>

		<guid isPermaLink="false">http://datung.wordpress.com/?p=106</guid>
		<description><![CDATA[I just got this unbelievable news through the Consumerist that a man was over charged $81,400,836,908 by Paypal for $26 for gasoline! Juan Zamora was so shocked when he was informed his Paypal debit card has been maxed out when he knew he had $90 fund in his account! Who would have guessed this kind [...]


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			<content:encoded><![CDATA[<p>I just got this <a title="Driver Fills Up Gas Tank Receives Bill for $86 Billion" href="http://www.consumerenergyreport.com/2009/02/27/driver-fills-up-gas-tank-receives-bill-for-86-billion/" target="_blank">unbelievable new</a>s through the <a title="Paypal Charges $81,400,836,908 for $26 Tank of Gas" href="http://consumerist.com/5162108/paypal-charges-81400836908-for-26-tank-of-gas" target="_blank">Consumerist</a> that a man was over charged $81,400,836,908 by Paypal for $26 for gasoline!  Juan Zamora was so shocked when he was informed his Paypal debit card has been maxed out when he knew he had $90 fund in his account!  Who would have guessed this kind of <span style="text-decoration:line-through;">fuck up</span>, hiccup to happen?  </p>
<p>Until now, Paypal has not explained the reason for the computer glitch&#8230;  $86 BILLION !  Unbelievable!</p>


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		<title>The Debit Card Advantage</title>
		<link>http://pinoyfrugalliving.com/debit-cards/the-debit-card-advantage/</link>
		<comments>http://pinoyfrugalliving.com/debit-cards/the-debit-card-advantage/#comments</comments>
		<pubDate>Wed, 24 Dec 2008 16:12:44 +0000</pubDate>
		<dc:creator>Alma</dc:creator>
				<category><![CDATA[Debit Cards]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[BDO]]></category>
		<category><![CDATA[BPI]]></category>

		<guid isPermaLink="false">http://datung.wordpress.com/2008/12/25/the-debit-card-advantage/</guid>
		<description><![CDATA[I have two debit cards. One from BDO and one from BPI. As a long time consumer, I was quick to recognize the advantage of debit cards as oppose to credit cards. The advantages simply outweighs the usual headaches that credit cards brings. Here are some of the advantages of having debit cards. In terms [...]


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			<content:encoded><![CDATA[<p>I have two debit cards. One from <a href="http://www.bdo.com.ph/" title="BDO">BDO</a> and one from <a href="http://bpiexpressonline.com/" title="BPI">BPI</a>. As a long time consumer, I was quick to recognize the advantage of debit cards as oppose to credit cards. The advantages simply outweighs the usual headaches that credit cards brings.</p>
<p><img src="http://img211.imageshack.us/img211/4797/debitcardqe8.jpg" style="display:block;width:141px;height:153px;text-align:center;margin:0 auto;" height="30"></p>
<p>Here are some of the <strong>advantages of having debit cards</strong>.</p>
<ul>
<li>In terms of Money Managment and Control. Debit transactions are deducted directly from your savings or checking account and recorded in one monthly statement. This allows cardholders to easily track their spending. Meaning, if you do not have the money to spend, obviously the use of debit card would be out. In my case, I only allocate the fund for groceries for the month into my debit card. <em><strong>Nothing more, nothing less</strong></em> .</li>
<li>When it comes to Security, debit cards are more secured than credit cards since the cardholder is required to input their PIN for transaction to go through.</li>
<li>Debit cards can be used worldwide, ATMs and can be used over the phone and on the internet.</li>
<li>Rewards wise, debit cards are beginning to give rewards. Discounts and other promos are usually given to cardholders. Like in <a href="http://www.bdo.com.ph/" title="BDO">BDO</a>, both debit and credit cardholders are given <a href="http://www.bdo.com.ph/Promos/BDO_Holiday.htm" title="BDO">discounts in various stores in SM</a>. And in <a href="http://www.bpiexpressonline.com/" title="BPI">BPI</a> have their own discount and promos. Just check out their site for ongoing promos.</li>
</ul>
<p>Do you have any debit card related story? Email them to me : <a href="mailto:frugal.pinoy@gmail.com">frugal.pinoy@gmail.com</a> or make a comment below.</p>


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<p>Related posts:<ol><li><a href='http://pinoyfrugalliving.com/credit-cards/credit-card-guidelines-and-how-to-avoid-falling-into-debt/' rel='bookmark' title='Permanent Link: Credit Card Guidelines and How to Avoid Falling into Debt'>Credit Card Guidelines and How to Avoid Falling into Debt</a> <small>Lots of people detest credit cards, however in actuality, if...</small></li>
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