USD or PHP?

Have you ever been asked at a credit card terminal if you want to pay in USD or PHP while traveling in the Philippines? I made the wrong choice—and it cost me money. In this video, I explain what happened, why choosing Philippine Pesos (PHP) is usually the better option, and how a simple button at checkout can affect the exchange rate you receive. As an American documenting my journey toward retiring in the Philippines, I'm sharing the real-world lessons I learn along the way—both the successes and the mistakes—so you can avoid costly surprises. If you're planning a vacation, moving abroad, or thinking about retiring in the Philippines, these small financial tips can save you money over time. Thanks for watching! If you enjoy honest, practical information about life in the Philippines, travel, budgeting, and retirement planning, please consider subscribing and join me on Countdown to Cebu as I document every step of the journey. #Philippines #RetireInThePhilippines #TravelTips #CreditCards #ExchangeRate #PhilippinePeso #USD #Cebu #MoneySavingTips #CountdownToCebu