Thanks for all the information, but really right now my husband and I still can't make any application because of financial issue well as we don't know how things work before about bank statement and etc.... a lot of things is a mess right now because of our lack of knowledge about this... well as we all know travelling from UK to Philippines cost a lot that's why we don't have any savings well at least a good one that we can show ... this is why am so concerned about bank statement like how much do they really require? How do they base things? If it is based on earnings.... or they are requiring an amount on how much you should save???