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But what should you do when you overspend and cannot manage your bills?

I know Hidalgo and Quiapo, in general, is notorious as one of Manila’s shabby and crime infested areas (full of pirated CDs/DVDs, counterfeit electronics, snatchers, garbage).

I was surprised myself when I found out that it is highly recommended by other photographers in the Philippines as a place to find a wider range of photographic/videographic equipment at a cheaper price than in malls.

More tips could be found at “Hidalgo Quiapo Warning” in the DPP Forums.

So you’ve done your holiday shopping, hit the malls for that i Phone 5s or designer purse, but before you think about taking out that credit card and swiping it for another purchase this year, read Article 401 of the UAE Penal code first:“A punishment of confinement of one month to three years, or a fine of a minimum of AED1,000 shall be inflicted on any person who, in bad faith draws a cheque with no existing or drawable provision.”Your Master Card maybe as good as cash to Prada but as far as your credit card issuer is concerned, the consumed portion of your credit limit is “borrowed money” which you will have to repay plus interest.

When you applied for your credit card, you have agreed to the terms and conditions of the bank which you probably did not read at all.

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If you’re wondering where you can buy d SLR cameras and other photographic equipment in the Philippines for the cheapest/lowest prices, then it’s in Hidalgo, Quiapo.Another option is buying from reputable online camera stores.

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If your cheque bounced, in the eyes of law, you have committed a crime.Meaning, if you need to have it fixed/replaced, you won’t be able to do it in just any service center of your camera brand, but only in the store where you bought the camera. Using the Google map as a reference, walk further along Carrideo St., at the first intersection you will find SM Quiapo to your right. When you exit, you will be somewhere in front of Watson’s and Henry’s. There’s a Banco de Oro branch along the street to your right, in front of it is Mayer.If you want to check camera/lens prices before your visit, follow the links to online sellers listed on this page.Prices listed are not much different from Hidalgo-Quiapo stores.To make sure, you can always contact the Hidalgo, Quiapo stores directly using the phone numbers listed below.The longer time it takes you to pay back, the more you lose in interest payments.