For the second time, I asked HSBC to reverse the annual fee they charged me, and they had no problem with it. It's simple, really. I just had to send them an email and tell them that if they will credit the annual fee back to my account, I'd be a good boy throughout the year and clean my room at least once a week. 

Now what to buy with the PHP 1,200 I just saved...

... a brand new entry-level phone here in Bangkok?

... an A|X shirt on sale?

... a Philips portable DVD player at Tesco?

... over two hours phone call to the Philippines,?

... 240 sticks of pork barbecue?