I like a Vietnamese restaurant called "Ginger" at 355 Yonge St, Toronto, ON M5B 1S1. It's just 1.5 block south of Bloor ST and on the Yonge St. It's basically next to a strip club LOL. The rice dish and pho noodles taste very good. You expect to spend within $12 for rice dish and $8 or $9 for pho tax included. Tip is optional because it's semi self-service. I usually drop 50 cents in their tip box by the cashier where you order your food. The line can be long during the lunch and dinner time. However, they process your order very quickly. You can ride a subway and get off at the Yonge and Bloor station. I believe they give you 10% discount if you pay cash instead of credit / debit card.