no im not saying Philippine beaches aren't great but you can get lovely ones here in Thailand. Have a look at this one...... oh your on a tourist spots prices are high.
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Or this one
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or this one
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Or this island too
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Thailand has lovely beaches too but we keep secret from tourists....
cheapest currency exchange is Wise. The USD is f**ked so if you stay in the US its more costly than Philippines or Thailand. Either country is great and its your choice
Also just fly cattle class once to your destination like normal people