Tails and Bodies Kit: 200 piece assortment of jerkbaits, shad bones, grubs, beatles and tubes, plus assortment of heads and hooks (around $30 US at Off-Shore Anglers - anglers on a budget can bring just this kit)

Big Game MirrOlure: 65M (3 1/4") and 85M (5"): 2 of each color: green back, white belly, silver scales; green back, yellow belly, gold scales; green back, white belly, gold scales; blue back, white belly, silver scales; black back, fluorescent orange belly, fluorescent flame, chartreuse sides; green back, white belly, pink scales (also good for  jacks, barracuda, King mackerel, Spanish mackerel, Mangrove Snapper.  (King Mackerel and barracuda may puncture these lures, so bringing a few more than one each might be a good idea -- these are excellent lures that can be left for tips, or can be sold to the guides because they're hard to get in any part of Belize.)

Heddon Excalibur Super Pop-R: 3 1/8" - 1 each of bar fish, blue striper, redfish, red head, speckled trout

Glass Minnow Kit (43-piece) Cabelas: NN11-5626 - soft plastic baits - bring with MirroLures and Excaliburs

Small jigs (1/16-1/8 ounce) - something like the Gaines Phillips Wiggle Jigs - assortment of 12 - Offshore Anglers (1/8 ounce) (yellow, pink, white, blue, brown if buying separately)

Small hook (#1 and #2 hooks) baited with plastic jig tail - the 42-piece DOA Shrimp Kit from Offshore Anglers (3") will work well

Needlefish (2/0 to 3/0 long shank hooks. The best colors are blue or green over white using synthetic materials such as fishhail.  Other productive colors are chartreuse, pink, yellow and orange. Long red and orange flies tied on 2/0-3/0 hooks are good choice. Bright green and yellow flies are a good choice for bright days in clear water.

Tube Flies 12" long. red. Two hooks 5/0 connected tandem with wire.

Top water poppers

Abel's Anchovy

Streamer patterns falling in the 2-4" range (silvers, blues, chartreuses, greens)

Weighted Clouser Minnows

Classic 52M - 3 5/8" - 1/2 oz. - Blue back w/chartreuse belly and silver scale (CHBL), Green back w/white belly and silver scale (#18), Black back w/white belly and silver scale (#21 or Mullet), Blue back w/white belly and silver scale (#24). - 1 each

Rock 'N' Rattlr - 33MR 3" - Green back w/white belly and silver scale (#18), Black back w/yellow belly and gold scale (#23), Black back w/white belly and silver scale (#21 or Mullet). - 1 each
 

TX Minnow - 4 1/8" - 5/8 oz - Green Mackerel, Silver, Black Sardine. - 1 each

Mag Popper - 4 1/8" - 5/8 oz. - Green Mackerel, Pink Head, Blue Mackerel. - 1 each

Crystal Minnow - Sinking - 5 1/4" - Purple/green, Blue/yellow, Blue Mackerel, Green Mackerel. - 1 each

Super Zara Spook - 5 1/4" - Silver Mullet, Redfish, Speckled Trout. 1 each
 

Saltwater Rattlin' Rapala - 2 3/4" and 3 1/8" - Mullet, Silver Green Mullet, Redhead. 1 each

Saltwater Husky Jerk - 5 1/4" - 1/2 oz. - Redhead, Croaker, Silver Green Mackerel, Mullet. 1 each

Rapala Magnum - 5 1/4" Floating - 3/4 oz., and 5 1/4 " Sinking - 1 1/4 oz. - Mullet, Dorado, Green Mackerel, Silver Mackerel, Fire Tiger. 2 of each color, 1 floating and 1 sinking

Saltwater Rapala Sliver - 5 1/4" - 9/16 oz. - Silver, Redhead, Needlefish, Green. 1 each.

Lip Balms with Sunscreen:

1) Lip Balm Sunstick - SPF 30 (by Kinesys Sport).
2) Jack Black Lip Balm SPF 25.
3) Zirh Lip Guard SPF 19. Water-resistant.
4) Heavy Duty Lip Service Lip Balm with SPF 15. Ingredients include aloe vera and Vitamin E, and this lip balm provides UVA/UVB protection.
 

Note:  Habervision makes good polarized sunglasses, especially their rose/copper lenses, which provide great clarity on the flats. 
 

US money is freely used in Belize (and most businesses would rather receive US dollars than Belize dollars). So, no need to exchange money at the bank or elsewhere.

Do plan to bring some smaller denominations to avoid problems with getting change.

Banks will give you credit card advances for $5-$10 USD per advance. If you use a Visa debit card, you can avoid cash advance interest charges, but it has to be a Visa debit card, a bank issued card won't work here. The only banks in Belize that currently have ATM machines that accept non-Belize issued credit cards are First Caribbean (f/k/a Barclays Bank) and Belize Bank.  However, neither has a branch in Placencia, and sometimes even these ATMs won't process non-Belize credit cards.  So, if you really need cash, make sure to get to a bank during banking hours, usually between 8 a.m. and 2 p.m.)

Placencia now has two banks - Atlantic Bank and Scotia Bank. Atlantic Bank is open from 8 a.m. to 2 p.m., and Scotia Bank is open from 8:30 a.m. to 2:30 p.m.  Atlantic Bank charges a flat fee of BZ$10 for a credit card advance. Scotia Bank gives an exchange rate of something like US$0.09867 per Belize dollar. Therefore, unless you're getting an advance of over BZ$1,000, it's less expensive to get an advance from Scotia Bank.

Belize banks will give generally NOT give you the official exchange rate of 2:1 when cashing traveler's checks -- sometimes not even for US dollars! However, you don't need to cash your traveler's checks or exchange money at the bank, because local merchants WILL give you a 2:1 exchange rate.

American Express Traveler's Checks are the most commonly used traveler's checks in Belize. When using a traveler's check, don't fill in the date or the name of the merchant, otherwise the merchant will have to deposit the check and the banks hold them for 40 days before making the money available. (If the date and the name of the merchant are not filled in, the traveler's checks are used pretty much as cash and somehow eventually find their way back to the States where they're cashed and deposited in someone's account, somewhere.) Also, make sure that your signature looks like the signature you used when you purchased your traveler's checks.

Visa is the most commonly accepted credit card, American Express and Discovery aren't accepted by very many businesses. MasterCard is now only accepted by larger businesses that have an electronic credit card processing machine. (MasterCard just imposed a $0 floor limit on all Belize businesses, which means smaller merchants that have to call their bank for a credit card approval won't accept MasterCards -- especially during non-business hours.) Also, many businesses charge a service charge for the use of a credit card, so make sure to ask first (the service charge is usually 5%).
 

International calls from Belize are outrageously expensive - up to US$4 per minute during peak calling hours. You can avoid this highway robbery by Belize's telephone company through ATT and MCI calling cards, or by purchasing an ATT or MCI pre-paid phone card at Sam's, Wal-Mart, etc. However, the calling cards and pre-paid phone cards will only work at the largest resorts and from pay phones. Generally, you'll need to dial 115 (international operator) and ask for the ATT or MCI operator. You'll then be connected with the appropriate service and you'll follow the directions on your card for placing the call. International calls placed this way still won't be inexpensive, but your calls home won't end up costing as much as your entire vacation, either.

Note: you will need a pre-paid BTL phone card to make local calls within Belize from pay phones. You can purchase a card at the international airport and from local merchants who display the BTL phone card sign.