I am very busy and cannot afford to go drive to the Filipino shops to send money. I used to send money via Western Union but fees are exorbitant! I found www.iremit.com.au on google and find great value in their service. The exchange rate is always and always better than the banks (check your bank’s exchange rate to see what I mean) and Western Union and the service fee is OK at $7 for anywhere in the Philippines (shops charge $8 for manila and $ for Philippine provincial areas). I initially was doubtful but I have been proven wrong.