I have lived in the Philippines for the last couple of years.
Things simply don't work here the way you expect them to work back home.
This applies to a lot of things but to relate to the topic, ATM will run out of cash, stop working or reject an otherwise valid card on a regular basis. (Especially over Xmas and Holy Week before Easter, the responsible people simply do not fill the machines.) I always have sufficient cash to last a few weeks. Never run your cash on hand down to less than a couple days supply.
Time does not matter here at all either. The published schedules exist only to confuse the tourists. To get to Puerto Galera from Manila simply go to the bus terminal, get on a bus which will leave in about 15 minutes, go to the Batangas port an find the next boat to PG. It will depart within the hour. The bus is JAM and the terminal is at the corner of Buendia and Taft avenue.
You just get on the bus; they collect the fare on the move.
Bus fare less than 200 p ferry fare plus terminal fee less than 600 p or about $US16 total from Manila. Depending where in Manila you are, taxi can be up to 1,000 p, but if you are on Makati or at the airport expect it to be less than 500. (I use Grab almost exclusively, if you got a lot of gear just book a larger vehicle.) Two people should be able to go from airport to PG for about 2,000 p total ($US40)