Certification for Visa Requirements

I know I said I'm not going to travel this year. It's a year supposedly to rest. And yet, after attending the travel expo, I suddenly want to go out and visit my friends in different countries. That's why I want to go to US, Canada, and New Zealand. Then there's the family Japan trip next March. So, as early as now, I want to start my visa applications. I hope to go to Canada or US this year, maybe October or November and see falling leaves :)

Anyway, I applied for US interview, then plan to submit my documents online for Canadian visa. I don't know what to do with the hard copies of my requirements though. If I am going to apply for a Japan or New Zealand visa, as early as now, or maybe just use them for my reference hehe

So... there is the usual requirements like the application forms, certificate of employment, and ITR. What I want to disclose is the information I've gained with regards to certifications for investments and bank deposits.

Bank Products:

1. BPI Savings account - request it at your branch of choice, claim it on the same afternoon. Fee PhP 100.
2. BPI Direct Savings account - call BPI direct at 89-100, claim it at your branch of choice after one week. Fee PhP 100.
3. BDO Savings account - request it at your branch, claim at the next day (or get yesterday's balance if you want to claim on the same day). Fee PhP 100. Includes current available balance as of a certain date.
4. BDO IUTF - request it at branch where you opened it, claim it the next day. Fee PhP 100.

Investments

1. COL Financial - fill up form, and email to stockcerts@colfinancial.com. 2-3 days (you can choose by email, pick up or mail). Fee PhP 100. Includes date when we opened the account, Cash Position, Stock positions, and Total Equity Value as of date requested.
2. Metrosec - fill up form, email to metrosec. 2-3 days. Fee PhP 50.
3. ALFM - call ALFM, claim it at BPI branch of convenience after 2-3 days. (My ALFM account is tied up with my BPI RSP.)  Free. 
4. FAMI - email/call FAMI, mail to you within 2-3 days. Free. Includes number of shares and balance of account as of requested date.
5. Philequity - I emailed them, but no reply. (Anyway, service here is really slow for the last couple of weeks while I was doing my regular transactions, so I didn't even expect much.)
6. Sunlife Maxilink Prime - requested in via email, still don't know when it will arrive in the mail. (Apparently) Free.

So... because of these things, I am thinking if I should just really maintain most of my money in Mutual Funds. At least, I can request certification from them for free. Most convenient is ALFM, but I guess FAMI should be convenient if the mail gets to me in 2-3 days time.

I have also used BPI's ABF Bond fund, and transferring money from my Bond Fund to my Savings Account, while I was abroad was also easy. Though it took 2-3 working days, I think. Definitely needs some time allowance.

It's rather hard looking at several portfolios and investments. I am thinking after 5 years' time, I should just take my money out, and transfer it to my other stocks... But then, what would happen to my compound interests, right?

Travel Tips

I have traveled so many times since I was a kid. I thought that a summer wasn't complete when there's no vacation. And when I got older, and able to earn my own money, I didn't realize until later that I traveled every month for 1 year haha

So what did I learn from all these traveling? Let me share this with you:

1. Don't forget your valid documents and money
Tickets - double check the time, date and even the terminal number (I know someone who got lost because of the terminal number)

Passport - make sure that your passport is valid for 6 months from the date the trip ends. If renewing it takes too long (usually a month), ask for an extension instead from DFA, which is processed much faster (I learned this the hard way, and wasn't allowed to board! I was left while my family was in KL.) Also for security purposes, photocopy the first 2 pages of your passport (or in my case, I just take a picture and upload it to my Dropbox online), in case anything happens, you have a copy of your passport.

Visa - make sure that you give appropriate time for your visa application, a friend told me a month is usually enough. (Besides if the application took more than 1 month, then they'll probably deny you.) Ask around how fast the processing takes, because sometimes if you applied to early (usually if you brought the tickets 6 months in advance due to promo fares), the visa will already expire by the time your ticket is already valid (my friend learned this the hard way, when she was so excited and applied too early for a Korean visa)

Money - personally, I just bring a couple of hundred USD. This is because I just use my BPI and Metrobank ATM internationally. (Make sure to call ahead of time to tell them that you plan to use them abroad.) From experience, Metrobank charges a smaller fee (actually, they didn't charge me using this certain ATM in Bangkok) compared to BPI back here at home. The exchange rate is generally fair with banks, and this is more convenient and secure for me as well, because I don't want to carry too much cash. International ATM may or may not charge you (they usually ask before the transaction), as well as local fees apply (usually 1-2 USD), so make sure to make as few withdrawals as possible for the whole trip. (When we were in Europe for 3 weeks, I only withdrew 2x.)

Credit Cards - I usually have 1 or 2 international credit cards, for emergencies. When I was in Turkey for a stop-over, I just charged my meal to my credit card instead of withdrawing money. For me, my favorite is HSBC Platinum which accumulates more points when used internationally as compared to my Citibank Rewards.

2. Travel lite
A lot of people takes hours to pack. Okay, I was one of those people, but eventually I learned how to pack efficiently.

Clothes - the bulk of it usually contains clothes. Know the itinerary so you can plan ahead. Generally, number of days = number of underwear = number of shirts. I just repeat some of my pants or shorts especially when the trip is too long. Or if it's really long, like 3 weeks, generally number of days = 1/2 number of underwear = 1/2 number of shirts and I will just do laundry while traveling. I also have those flanella-like Towelite that dries quickly and not bulky, which can also double as a blanket if needed. I always bring a jacket because sometimes it's the airplane that's very cold. If you have versatile clothes, that has many styles or uses or with reversible designs, I usually bring those. (For example, rashguards can be used during water activities as well as climbing during rainy weather. Or this loose top would look great with my bathing suit as well as with my shorts. You get the idea.)

Also, while packing, read up on the temperature and the weather of the country you're visiting. Every country has a different season for summer, and pack appropriately.

Take note of the culture and practices of the country you're visiting, as countries in the Middle East and attending temples in India, Thailand, and Cambodia generally have a dress code that we should respect as travelers.

Shoes - generally, I wear my bulkiest shoes (usually rubber shoes but this depends on the itinerary; my sister wore her heels), then pack my rubber slippers. If you want to bring another shoe, that's fine if you're sure you're going to use it. (Remember, you're bringing it yourself.) I still try to bring my versatile footwear, like my waterproof sandals for walking, trekking, river-rafting, etc.

Toiletries - if you're staying at a hotel, then good for you, because you have the option of not bringing much. Otherwise, remember sachets! There's shampoo, conditioners, deodorant, toothpaste, lotions, foundations, etc. They are light and neat, and you can throw them away after use.
Okay, not so good for the environment; if you want a more environmental plan, just transfer them into travel-size toiletry bottles available in Watson's.
Also, make sure to put them in a plastic vacuum-sealed bag, so in case they spill, it won't go to your clothes and other items. While the clothes are the bulk, toiletries can also weight a lot if not packed right. (I know of someone who packed too heavy, because of the toiletries!)

Electronics - if you're not going to use your laptop, why are you going to bring it? For me, my smartphone already works as a phone, computer, camera, music player, etc. Generally, I just bring my charger, and that's about it. But if you're a photographer, make sure to just bring the necessities. (When I was in Korea for 10 days, I made sure to use all the lenses I brought.)

And yes, when you go to a different country, take note of the voltage. Or just bring a universal travel adaptor.

When you're sharing your room with others, it's also better to bring an octopus-like adaptor because sometimes a lot of you needs to charge something and the outlets are only few. There are adaptors that are very slim and lightweight, bring those. (Please, don't bring an actual octopus because they are bulky.)


To be continued...

Money Habits

When you'd asked my sisters, who is the cheapest of us all, I'm pretty sure they'd point me out haha
I'm just a simple girl! Haha But I spend my money on investments and travel, usually. I'm not into gadgets much, and I don't believe I'm also into clothes or shoe shopping. If ever, I can be addicted to online shopping instead haha

Anyway, how does one really become rich?

1. Living below your means
This is the problem with most Filipinos. Once they get their salary, it's time to celebrate and tada, the money flies! Or just because you get promoted, it doesn't mean that you have higher budget for spending too. If you can live simply before getting promoted, why do you have to change your lifestyle?

2. Keep a cash flow
When I was in grade 6, I started working for summer jobs for my parents. And they were real jobs, desk jobs like accounting and secretarial work (I had always been good with computers, typing and numbers) and physical jobs like being a gasoline girl (Okay, I was a bit older, like maybe 16? Haha). That's when I started listing down my salary, and where they go. After that summer, I continued to list my expenses and my allowances. (I had a cute organizer back then so I remembered using it a lot. After that, well, I kind of drifted off for a while and went back to being a kid.)

But when I started working again, I had to make a cash flow of my salary and expenses and where my income is going. I had to make sure I have a positive balance every month. This will enable you to figure out your budget.

3. Be disciplined and stick to your budget!
From your cash flow, you can see your needs and wants. It's better this way to figure out your budget every month. There are so many ways to budget. My budget when I was in high school up to med school were more of a cash flow and just generally living within my means. I learned to be more organized as I grew and learn.

There is the 10/10/80, which was taught by Bo Sanchez. It means once you get your net salary, you can allot 10% in tithes, 10% investments, and 80% daily living. Why do you need tithes? Because it was God who put you here, give you your talents and your job, and a measly 10% would only be small to repay for God, right? Besides, whatever comes around, goes around; good karma, etc. The other 10% is like paying for your future self, invest in yourself by putting your money in a mutual fund or IUTF or the stock market. The rest of your salary, you can spend on yourself.

Of course, you can always do better than that and just do 10/40/50 if you're single, not supporting anyone, living with parents, and doesn't have much needs for expenses.

For me, I currently use the JARS system. I have the following categories, and divide them accordingly:
10% Tithe - include donations to church and charity organizations
25% Investment - includes IUTF, Mutual Funds, Stocks
10% Work - includes transportation, food
10% Social - includes dating, meeting up with friends, sports/activity/movie
10% Personal - includes my cellphone, spa, medical and dental needs
10% Education - includes tuition, food
10% Shopping - includes grocery shopping, clothes, shoes, electrical needs
10% Travel - because everyone needs a break once in a while
5% Misc - because there are just somethings that don't fit in the other categories like unaccounted loss/gain, back charges

Up until recently, when I became a part-time student did I realize I need that category, because tuition would eat up a huge part of my budget, if I didn't prepare for it well.

Of course, budgeting is very flexible and it of course depends on you. Though the 10/10/80 might be simpler. Just remember to have a budget and stick to it.

4. Time is your friend
Some people don't realize that time is also money. That when you're wasting time, you're also wasting money. Invest and make time your ally.

Investing doesn't have to cost much. You just need to deposit even PhP 500 every month and eventually, it will increase through the power of compound interest. Watch about it in YouTube Pesos and Sense when they compared investing early and small, as compared to investing later, but bigger. You'll see that the earlier investor actually gained more!

Also, I'm not a big fan of the television (except the news), or idle time in the computer (okay, I'm guilty of Facebook). As much as possible, read and learn! Improve yourself. Do you want to fix your finances? Learn about finance, read up on the different IUTF and mutual funds. Learn about the stock market and forex. Read about the risks in properties. Look into more passive investments!

I learned another time-saving technique. When traveling, instead of listening to music, try listening to an audiobook instead. It will grow your mind, inspire you, and educate you.

5. Don't spend money you don't have. Avoid loans.
Try not to get into the habit of borrowing money from people, telling them that you'll pay them on payday. Sometimes, it will all compile and by the time that it's payday, you're already broke! Have the discipline not to spend on your wants. Aim yourself to maintain a positive balance every month.

6. Pay your credit cards on time and in full.
Credit cards make money by the charges that you incur with penalties, which increase and multiply because of compound interest. So make sure that before you swipe that card, make sure that you have enough money in your account to pay for it. Don't even wait for the deadline to pay, you can pay earlier just to make sure you don't incur any late charges. (I set my alarm 5 days before the actual due date.) Don't also use the Cash Advance or Loans because the charge is also higher.

If you know how to use your credit cards wisely, you can actually use them to get freebies and discounts to some restaurants. (My mother is a big fan of these because she uses her credit card for the business and gets freebies in many restaurants.) You can also exchange points accumulated for gift certificates and rewards. (Maybe next time, I will write on my credit cards.)

7. Keep yourself secure.
Of course, this all sounds so good on paper when you don't have people to help, medical bills, or already in debt. Hence, before investing, make sure that you have an emergency fund, and a personal insurance for yourself.

In your budget, instead of invest, replace it with Loans so you can finish paying your loan first. Once that is replaced, save for your emergency fund of at least 3-6 months worth of living expenses (in case you ran out of work).

Once you have an emergency fund, it's also better to have a personal health and life insurance for yourself, so in case anything happens to you, you don't have to dig into your investment accounts. The insurance will take care of it for you. (Personally, I have Kaiser, which has a health and life insurance with investment component. In case that I don't become sick or die, I can still claim my money at 65 years old... Though by that time, I think I just want to continue my health and life insurance, right? I think it's a good buy. Currently, it's accredited in World Citi (which is near our house), St. Luke's and Makati Med.

8. Stop those impulse spending. 
If you can still use your old phone, why would you buy something new. If your laptop is still working, do you really need a tablet? In this world of technology, it's so important to live simply and let go of those materialistic impulses.

If you really want to be frugal, when going inside a restaurant, think about the food that you will order. If a meal costs PhP 300, when you know that it's only going to satisfy your hunger for 3-4 hours then it will just disappear, is it worth it? (Well, that's really cheap-thinking hehe Because I know that there is quality food, but would you want to spend PhP 300 every time when you know that in some other restaurant, it can also keep you satisfied for less than PhP 100?) When my sister and I were out shopping, she told me that she would buy clothes/shoes/whatever instead of lunch because the value of her clothes will last longer than a few hours in her stomach.

Hmm... that's it for now. I'm getting hungry. I still have to cook my dinner.
Remember, read and educate yourself; time and discipline are keys to getting rich!

How I Got into Investment

I have been working for 5 years, and yes I am a millionaire by the time I reached 30! Yey! (Though this is in paper assets, regardless, I am happy hehe)

I am lucky that I have been exposed to finance and wealth while I was starting out. When I got my first job, I was already looking into investments on where to put my money. (Initially, I was going to put my savings there, give time for it to grow while I go into residency, so by the time I graduated, it would increase!) I subscribed to Truly Rich Club initially, opened an account with Citisec (currently renamed COL Financial), and took me 6 months before I really had the nerve to start investing.

At first I started small, 1,000 to 2,000 per company per month until I realized that I am losing more money by not investing because my money in the stock market was already growing faster than the one in my back. So then, I invested regularly in bigger amounts, invested in one to two stocks per month for 6 months, then just watch it grow. I would invest in other stocks, until I have a variety of stocks. (Now, I just want to focus on a few, but I don't want to let go of my stocks, so I just let them grow.)

Since I also had a Metrobank account, I tried another stock broker, FirstMetrosec. For me, COL Financial is still better for beginners because they have monthly and more easy-to-read reports than Metrosec. But in Metrosec, I get my stock certificates by mail. Also, in Metrosec, my money is easily transfers from my Metrobank online account which is great. (In Citisec, if you want to get your money out, you have to pass by PSE bldg to get your check.)

Then I started looking for other investment options, like mutual funds. There are three kinds of mutual funds: bond, balance, and equity. I chose equity fund, which is mostly invested in stocks, chosen by a fund manager who watches the stocks for me. I invested here regularly during my 2nd year. (Well, I was able to invest in FAMI regularly because I had a Metrobank account then. Philequity actually had a bigger return, but it's harder for me because their process is more tedious and I didn't have a BDO account then.)

So, FAMI VS Philequity, which one is better? In terms of return, Philequity is better. Though investing in FAMI is more convenient especially when you have a Metrobank Account, and they also sent quarterly SOA. (I think my sister receives monthly SOA accounts from them.) Philequity also has monthly SOA, though they send it by email. (It doesn't look very official when I need to show it to the embassy for visa purposes.) If you have a BDO account, you can also do electronic fund transfer to Philequity, but you also have to fill out this form every time you make an investment (so it is definitely less convenient).

So there I was, growing my money for 2-3 years, regularly investing in Mutual Funds when I became too busy to watch the stocks. And investing in MF for me is better because I don't have to watch the market, scared of it crashing down due to my choices. At least in MF, there is a fund manager whom I have more faith on than my financial analytical skills (I don't have time to study the charts so I just regularly invest). It doesn't guarantee returns also, but I think that there is less votality in MF.

On my 4th year, I chose to work with IUTF which is similar to mutual funds, but these are more affiliated with banks, they don't charge an opening fee, but they do have an annual maintainance fee. Anyway, since I had BPI and BDO, I invested in both using automatic debit to regularly make my investment. So, which is better?

In terms of returns, they are not far from each other, about 1-2% change only in difference. In terms of convenience, they are both convenient as they are debited directly from your deposit accounts. But if you want to make an additional investment, BPI is definitely better because I haven't found a way to do electronic fund transfer to fund by BDO Equity account, except through my EIP (easy investment plan). In terms of statement of account, I think BDO is better because it shows the date, the amount invested, even the profits already gained from that first investment. BPI just clumps them all together in average. BDO also has Certificate of Participation, which unfortunately you have to pick-up from a BDO branch because you have to sign it. BPI on the other hand, mails you the receipt and transaction.

Currently, I'm on my 5th year of investing. Concentrating on BDO IUTF and Philequity mutual fund instead of worrying about the stock market myself. I am not currently, thinking on going into properties... But I think I still don't have enough budget for that kind of investment. Not if I want to get my other investments out hehe And I promised myself to hold these investments for atleast 5 years! Hehe

Indochina

Wow! I can't believe it's over. All those months of reading and planning, and the 7 days just really went on... really fast! No one really noticed. Or maybe it's because we are all too busy with our activities, only sleeping when traveling. It was a really tiring week, but I wouldn't trade it for anything! (okay, maybe I'll trade it if I had a similar future trip with a special someone! Hehe)

Summary of our Itinerary:
August 20:
1830 - meet up at NAIA 3
Because of the floods and the heavy rains for the last couple of days, some of us weren't able to come. Though at least they were able to rebook their flights the next day, though one wasn't able to. And so, we were 15 at the time.
Delayed for about 4 hours (which was nothing compared to those waiting the whole day and whose flight was in the morning)

Cost: 550 Terminal Fee + 1620 International Tax

August 21:
We were picked up by our rented van from the airport, who also provided us a free English-speaking tour guide. They have been waiting for us since 3 AM, and weren't really able to sleep.
Cost: 216 USD + 20 USD tip for driver and guide, good for 15 people

We weren't able to catch the sunrise at Black Virgin Mountain, and arrived there at around 9 AM. We spend about 2-3 hours there, then went to Cu Chi Tunnels where we spent another 2 hours.

Cost:
Entrance fee to Black Virgin Mountain - 12,000 VND
Shuttle to the cable cars (option to walk is possible) - 4000 VND
Cable Car + Toroggan Slide - 150000 VND
Cu Chi tunnel Entrance fee - 90000 VND

Our last stop for our rented van was to check-in at our hotel in Saigon in District 1, Mai Guesthouse.
since we were late in starting, we arrived at the hotel around 4 or 5 pm. Just enough time for us to get our money exchange, have some street foods, walk around for a bit, see the night market in Ben That Market, and have a bit of night life behind our hotel.

August 22:
We woke up early to do the walking tour. We walked to the Reunification Palace, could have visited the War Museum (but didn't), visited the Notre Dame Cathedral, and Post Office, saw the Opera House and ended the morning with lunch in Saigon Central, where we spent the rest of the afternoon shopping.
Unfortunately, no more energy left for clubbing. Especially since some of went to different places and got lost hehe

Cost (Accommodations): 177.02 USD for 4 twin rooms (good for 16 people though we were 17 all in all)

August 23:
We just rented another mini-bus to take us to Mac Boi border, because it's a bit of a hassle to walk to the bus station with all our belongings, and not everyone is very punctual...
Cost: 140 USD, good for 17 people with our luggages (We booked the previous day through Kim's Cafe near Sinh Tourist in a street near our hotel.)

When we got to the border, it was a bit of a hassle because there were several groups in front of us, cutting in our line. It was very distressing!! We spend an hour in the Vietnam border for this, the Cambodian border was more organized and friendly though we had to spend 1 USD each person for each border (without receipt so we don't really know what this part is for)
Cost: 2 USD/person

Our driver who was supposed to pick us up in Phnom Penh was nowhere to be seen, so we had to buy a sim card to call our guide, who would call our driver (who also cannot speak English).
Cost: 170 USD/bus for the transfer from border to Phnom Penh

Since we were really late, our restaurant where we are supposed to eat (at Friends Restaurant, which is number 8 or something in Trip Advisor) was already closed. Ralph (who came from Phuket) paid for our food, and we passed him and our food before going to the Killing Fields.
Cost: 50 USD/bus for the Phnom Penh city tour
Killing Fields entrance - 3 USD/person

We asked to be dropped off in Sisowath Quay, where we ate dinner at Happy Herb Pizza, took some night pictures by the Royal Palace (I think it was the Royal Palace), walked some more, and arrived in the Night Market by 10 PM, where we met up with our driver to go to Siem Reap
Cost: 230 USD/bus for transfer from Phnom Penh to Siem Reap

August 24:
Unfortunately, the wheels of our bus broke down. It was a good thing my friend remarked upon it with the driver, or else he wouldn't stop! And something might have happened. I was just dead asleep, I woke up several times but didn't bother to check. Anyway, because of this delay, we arrived in Siem Reap at around 530 AM.
We weren't able to set up properly for sunrise. Again. Huhu
Costs:
Angkor entrance fee: 20 USD
Tour Guide: 35 USD for the group
Angkor transportation: 75 USD for the group
Upgrade to 35-seat bus: 80 USD for the group

We had lunch at Green Star Restaurant, though I found the owner a bit um, unfriendly. I'm not sure if it's just a language barrier or what. Anyway, dinner was better at Joe to Go Restaurant.

Cost (hotel): USD 150 for 4 Angkor Palace rooms

August 25:
Pick up by the bus going to Aranyaprathet-Poivet border.
Cost: 150 USD for 18 people

Immigrations was fast enough, we spend 30-40 minutes because there was a lot of us. Anyway, we spend about an hour waiting for the 2 vans that we rented anyway.
Cost for 2 vans: 5200 THB for 2 vans (transfer from Aranyaprathet to Born Free Hostel, Banglamphu)
Unfortunately, because of the long wait that we had, we arrived in Bangkok at around 5 PM. Of course. Check in and fixed ourselves. Finalize our itinerary with Wasana.

There were those who wants to go to MBK so we took a taxi to go there. Some had a bit of a night life in Khao San Road.

August 26:
Pick up from the hotel by our private van to go to Kanchanaburi, supposedly by sunrise. Unfortunately, we got there around 630 PM. (Our driver stopped for breakfast, toinks!)
Cost: 4500 THB for one van
Sunrise over River Kwai Bridge - free
Elephant and Bamboo rafting - 250 THB (only!)/pax
Erawan Falls - 200 THB/pax

We had too much fun at the falls, and missed climbing so I guess we got a little carried away. We arrived in Bangkok by around 5 pm, too. We just went to Khao San Road, had some street food for dinner (or shopping depending on who you ask), and had some drinks (it was our last night after all).

August 27:
There were two general groups:
Pick up from the hotel by a private van to take them to Pattaya, for the bungy jumping. Then enjoy the rest of the day at Nong Nooch Garden, then drop them off at the airport by around 7 to 8 pm.
Cost:
Van - 3500 THB for one van
Bungy Jumping - 2100 THB (including video)
Nong Nooch Garden - round off 300 THB (discount care of hotels2thailand.com)

For the rest of us who didn't go to Pattaya, we spend the day shopping in Pratunam. I love it! :)
Airport transfer from KSR to Pratunam: 1200 THB/van

We had dinner at the food court (where we last ate, affordable compared to the food court above with food ranging to as low as 35 THB!) We checked in at the airport around 8:30 PM and found each other eventually.

And before you know it, it's
August 28:
0400 - arrived in DMIA, Clark, Pampanga

Back to reality...
I will try to write more details later on and put also pictures.

I just want to summarize our budget :)

Description	USD/Pax	USD/Group	Subtotal
HCM Airport - Blk Virgin - Cu Chi Tunnel - Mai Guesthouse + 20 USD tip	15.73	236.00
Black Virgin Mountain and Cu Chi Tunnel - Entrance + shuttle + cable car + slide	12.19	182.86
Sub Total (Day 1)			27.92
Mai Guesthouse - Std Twin	10.41	177.02
Ho Chi Minh to Mac Bai Border	8.24	140.00
Immigrations - 1 USD/border/person	2.00	34.00
Mac Bai Border to Phnom Penh	10.00	170.00
Sub Total (Day 3)			30.65
Phnom Penh Half-Day Tour	2.78	50.00
EK Memorial Killing Fields Entrance Fee	3.00	54.00
Cellphone	0.39	7.00
Green Star to Share	0.94	17.00
Angkor Wat	20.00	360.00
Phnom Penh to Siem Reap	12.78	230.00
Angkor Tour with sunrise-sunset	4.17	75.00
with tour guide (for 1 day)	1.94	35.00
SP to border; private	8.33	150.00
Angkor Spirit Palace	8.33	150.00
Upgrade to 35-seater bus	4.44	80.00
Western Union	1.17	21.00
Sub Total (Day 4-5)			68.28
Van Rental from border to BKK (converted to USD)	9.32	167.74
Sub Total (Day 5)			9.32
Van Rental from BKK to Kanchanaburi	321.43	4500
Elephant and Bamboo Rafting	250.00
Erawan Falls and Pha trat cave	200.00
Sub Total (Day 6) - THB			771.43
Van Rental from BKK to Pattaya to Airport	500.00	3500
Bungy jumping	2,100.00
Nong Nooch Garden	300.00
Sub Total (Day 7) - THB			2,900.00
Born Free Hostel (aircon)	400.00
Born Free Hostel (fan)	360.00
Airport transfer from BKK	109.09	1,200.00
Total (USD)	136.17	-

Basically, excluding the Kanchanaburi and Pattaya tours, our budget is around 140 USD :)