January 22, 2017, 10:32 pm
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1 Philippine Peso = 0.07338 UAE Dirham
1 Philippine Peso = 2.56344 Albanian Lek
1 Philippine Peso = 0.03536 Neth Antilles Guilder
1 Philippine Peso = 0.31768 Argentine Peso
1 Philippine Peso = 0.02647 Australian Dollar
1 Philippine Peso = 0.03576 Aruba Florin
1 Philippine Peso = 0.03996 Barbados Dollar
1 Philippine Peso = 1.58422 Bangladesh Taka
1 Philippine Peso = 0.03663 Bulgarian Lev
1 Philippine Peso = 0.00753 Bahraini Dinar
1 Philippine Peso = 33.46653 Burundi Franc
1 Philippine Peso = 0.01998 Bermuda Dollar
1 Philippine Peso = 0.02852 Brunei Dollar
1 Philippine Peso = 0.13706 Bolivian Boliviano
1 Philippine Peso = 0.06388 Brazilian Real
1 Philippine Peso = 0.01998 Bahamian Dollar
1 Philippine Peso = 1.35814 Bhutan Ngultrum
1 Philippine Peso = 0.21155 Botswana Pula
1 Philippine Peso = 400.00001 Belarus Ruble
1 Philippine Peso = 0.03956 Belize Dollar
1 Philippine Peso = 0.02662 Canadian Dollar
1 Philippine Peso = 0.02016 Swiss Franc
1 Philippine Peso = 13.2004 Chilean Peso
1 Philippine Peso = 0.13722 Chinese Yuan
1 Philippine Peso = 58.87113 Colombian Peso
1 Philippine Peso = 10.92967 Costa Rica Colon
1 Philippine Peso = 0.01998 Cuban Peso
1 Philippine Peso = 2.07133 Cape Verde Escudo
1 Philippine Peso = 0.50753 Czech Koruna
1 Philippine Peso = 3.54785 Djibouti Franc
1 Philippine Peso = 0.13968 Danish Krone
1 Philippine Peso = 0.93227 Dominican Peso
1 Philippine Peso = 2.19105 Algerian Dinar
1 Philippine Peso = 0.2938 Estonian Kroon
1 Philippine Peso = 0.37463 Egyptian Pound
1 Philippine Peso = 0.44755 Ethiopian Birr
1 Philippine Peso = 0.01878 Euro
1 Philippine Peso = 0.04159 Fiji Dollar
1 Philippine Peso = 0.0162 Falkland Islands Pound
1 Philippine Peso = 0.01623 British Pound
1 Philippine Peso = 0.08528 Ghanaian Cedi
1 Philippine Peso = 0.86673 Gambian Dalasi
1 Philippine Peso = 182.56744 Guinea Franc
1 Philippine Peso = 0.15052 Guatemala Quetzal
1 Philippine Peso = 4.08611 Guyana Dollar
1 Philippine Peso = 0.15498 Hong Kong Dollar
1 Philippine Peso = 0.47043 Honduras Lempira
1 Philippine Peso = 0.14113 Croatian Kuna
1 Philippine Peso = 1.33107 Haiti Gourde
1 Philippine Peso = 5.78721 Hungarian Forint
1 Philippine Peso = 267.13287 Indonesian Rupiah
1 Philippine Peso = 0.07609 Israeli Shekel
1 Philippine Peso = 1.36092 Indian Rupee
1 Philippine Peso = 23.5964 Iraqi Dinar
1 Philippine Peso = 646.35366 Iran Rial
1 Philippine Peso = 2.25874 Iceland Krona
1 Philippine Peso = 2.57083 Jamaican Dollar
1 Philippine Peso = 0.01413 Jordanian Dinar
1 Philippine Peso = 2.30192 Japanese Yen
1 Philippine Peso = 2.07193 Kenyan Shilling
1 Philippine Peso = 1.38807 Kyrgyzstan Som
1 Philippine Peso = 80.17982 Cambodia Riel
1 Philippine Peso = 9.24076 Comoros Franc
1 Philippine Peso = 17.98202 North Korean Won
1 Philippine Peso = 23.52647 Korean Won
1 Philippine Peso = 0.0061 Kuwaiti Dinar
1 Philippine Peso = 0.01638 Cayman Islands Dollar
1 Philippine Peso = 6.62957 Kazakhstan Tenge
1 Philippine Peso = 163.85615 Lao Kip
1 Philippine Peso = 30.18981 Lebanese Pound
1 Philippine Peso = 3.001 Sri Lanka Rupee
1 Philippine Peso = 1.7982 Liberian Dollar
1 Philippine Peso = 0.27213 Lesotho Loti
1 Philippine Peso = 0.06091 Lithuanian Lita
1 Philippine Peso = 0.0124 Latvian Lat
1 Philippine Peso = 0.02817 Libyan Dinar
1 Philippine Peso = 0.20094 Moroccan Dirham
1 Philippine Peso = 0.3993 Moldovan Leu
1 Philippine Peso = 1.15005 Macedonian Denar
1 Philippine Peso = 27.11289 Myanmar Kyat
1 Philippine Peso = 49.59041 Mongolian Tugrik
1 Philippine Peso = 0.15962 Macau Pataca
1 Philippine Peso = 7.07293 Mauritania Ougulya
1 Philippine Peso = 0.71429 Mauritius Rupee
1 Philippine Peso = 0.3009 Maldives Rufiyaa
1 Philippine Peso = 14.31828 Malawi Kwacha
1 Philippine Peso = 0.43689 Mexican Peso
1 Philippine Peso = 0.08885 Malaysian Ringgit
1 Philippine Peso = 0.27213 Namibian Dollar
1 Philippine Peso = 6.29371 Nigerian Naira
1 Philippine Peso = 0.58739 Nicaragua Cordoba
1 Philippine Peso = 0.16918 Norwegian Krone
1 Philippine Peso = 2.17483 Nepalese Rupee
1 Philippine Peso = 0.02786 New Zealand Dollar
1 Philippine Peso = 0.00769 Omani Rial
1 Philippine Peso = 0.01998 Panama Balboa
1 Philippine Peso = 0.0662 Peruvian Nuevo Sol
1 Philippine Peso = 0.06335 Papua New Guinea Kina
1 Philippine Peso = 1 Philippine Peso
1 Philippine Peso = 2.08991 Pakistani Rupee
1 Philippine Peso = 0.08205 Polish Zloty
1 Philippine Peso = 115.53247 Paraguayan Guarani
1 Philippine Peso = 0.07275 Qatar Rial
1 Philippine Peso = 0.08443 Romanian New Leu
1 Philippine Peso = 1.19329 Russian Rouble
1 Philippine Peso = 16.23537 Rwanda Franc
1 Philippine Peso = 0.07493 Saudi Arabian Riyal
1 Philippine Peso = 0.15666 Solomon Islands Dollar
1 Philippine Peso = 0.26174 Seychelles Rupee
1 Philippine Peso = 0.13127 Sudanese Pound
1 Philippine Peso = 0.17917 Swedish Krona
1 Philippine Peso = 0.02853 Singapore Dollar
1 Philippine Peso = 0.01621 St Helena Pound
1 Philippine Peso = 0.44368 Slovak Koruna
1 Philippine Peso = 146.75325 Sierra Leone Leone
1 Philippine Peso = 10.96903 Somali Shilling
1 Philippine Peso = 460.23778 Sao Tome Dobra
1 Philippine Peso = 0.17427 El Salvador Colon
1 Philippine Peso = 10.28931 Syrian Pound
1 Philippine Peso = 0.27205 Swaziland Lilageni
1 Philippine Peso = 0.70769 Thai Baht
1 Philippine Peso = 0.04621 Tunisian Dinar
1 Philippine Peso = 0.04578 Tonga Pa'ang
1 Philippine Peso = 0.07661 Turkish Lira
1 Philippine Peso = 0.13366 Trinidad Tobago Dollar
1 Philippine Peso = 0.63151 Taiwan Dollar
1 Philippine Peso = 44.51549 Tanzanian Shilling
1 Philippine Peso = 0.54725 Ukraine Hryvnia
1 Philippine Peso = 71.40859 Ugandan Shilling
1 Philippine Peso = 0.01998 United States Dollar
1 Philippine Peso = 0.57143 Uruguayan New Peso
1 Philippine Peso = 64.83517 Uzbekistan Sum
1 Philippine Peso = 0.1996 Venezuelan Bolivar
1 Philippine Peso = 450.8092 Vietnam Dong
1 Philippine Peso = 2.13906 Vanuatu Vatu
1 Philippine Peso = 0.05105 Samoa Tala
1 Philippine Peso = 12.31129 CFA Franc (BEAC)
1 Philippine Peso = 0.05395 East Caribbean Dollar
1 Philippine Peso = 12.32568 CFA Franc (BCEAO)
1 Philippine Peso = 2.23017 Pacific Franc
1 Philippine Peso = 4.98502 Yemen Riyal
1 Philippine Peso = 0.27207 South African Rand
1 Philippine Peso = 103.68632 Zambian Kwacha
1 Philippine Peso = 7.23077 Zimbabwe dollar

Budgets

Whenever you’re asked to make a budget for anything, the first thing that’s being tested is your Integrity. 

Are you going to ask for the maximum budget that you think you can get away with? Or are you going to ask for an amount that will reasonably meet the requirements of the project, event, or whatever it is you need a budget for? 

Some people – the dishonest ones – will ask for the maximum budget that they think they can get away with, even if it’s way over what they need. Dishonest people will also exhaust the budget and spend everything given to them – with no qualms
or efforts at all to save, or return whatever wasn’t spent. 

Honest people, on the other hand, are good stewards. They try their best to economize (without sacrificing quality), and even return whatever they’ve saved. They might end up very unpopular (to those who are dishonest), but they’ll raise the bar for
everyone. They’ll raise the bar for honesty and integrity every time they return the money they’ve saved! 

It’s common knowledge that in some corporate set-ups, people spend everything in their budget because no savings are credited to them – meaning, whatever they don’t spend this year won’t be carried over to their budget next year – so might as
well spend everything! Never mind if it’s atrocious, mindless spending. “Anyway, it’s in the budget, so let’s spend it all!” Foolish thinking. Ultimately it will backfire on you. 

This reminds me of a time when our division was given a budget for an out-of-town vacation. I was put in charge of handling the funds and making arrangements for the hotel and all. We were given a generous budget, much to our surprise! But I told
myself that without sacrificing the quality of our hotel, food, and sight seeing, I was going to try my best to spend the money wisely.

So I asked my secretary to scout for the best deals available in the city where we were headed – and she did find a promo in a pretty nice hotel, definitely above our group’s expectations. 

With such an auspicious start, I was all the more motivated to spend our budget wisely. So I arranged for a balanced mix of restaurants to go to: some of our dinners were fine dining, while some of our meals were in hole-in-the-wall restos that were
inexpensive but very masarap. Sometimes I brought them to semi-fine dining places like quaint cafés and interesting bistros, mainly for the ambience. When we were too tired, we just ate in the nice restaurant at the hotel where we stayed in – where,
I learned beforehand, that checked-in guests automatically had a 10% discount for food. (Before we booked our rooms, I asked the GM if hotel guests had any freebies or discounts. You can freely negotiate for these things -- but you have leverage
only if you do this BEFORE you make a deposit.) If we had a simple meal, I brought the group to a high-end place for coffee, tea and dessert so that most of our meals ended luxuriously – without paying an arm and a leg each time. 

To save on breakfasts, we had al fresco feasts that we bought the day before in the nearby supermarket: a fine variety of cheeses, jams, bread, cold cuts and fruits that were just as satisfying as a hotel buffet spread – at 1/3 the cost! Another time,
we just had fast food breakfast delivered – sausages, tocinos, fried eggs, muffins, croissants, breakfast burgers, fries, pancakes, and steaming cups of hot choco and coffee. Each meal ended with very convincing burps, deep sighs of contentment,
and “wow, sarap” resonated all around. Another thing: we made sure we didn’t over-order or over-eat.

Aside from being conscious about not over-eating or over-spending, I didn’t want to be saddled with toxic midnight trips to the ER just because someone was having what looked like a heart attack or a nasty acid reflux from overeating. Thankfully, no one even had to ask me for Tums, which I always have in my bag. I hardly have acid reflux, by the way – but I’ve been traumatized by them, from my over-eating days when I was younger, haha. 

End of story? We saved a lot! I returned a big sum to the office! They were flabbergasted, of course. I knocked their socks off, but they were undoubtedly happy! So was I. The following year, without my asking for it, our division was given a budget
for another out-of-town vacation, while other divisions had to beg and haggle for it. 

Lessons learned: God blesses honesty and good stewardship. As a lifestyle, my husband and I have taught our children that “Expensive doesn’t always mean better.” Or that just because there’s money, go ahead and spend it! Self-control means
we’ll have money saved for a rainy day. 

On that group vacation, we learned that we didn’t have to splurge to have fun. We didn’t have to fabricate ways to “charge everything that’s chargeable” to the office but we got to do everything we wanted to! We didn’t have to be extravagant and
spend everything -- just because it was within the budget. 

For me, spending in excess is crass, unwise, and hedonistic. Maybe it’s because I have a Chinese mom. As a rule, she taught me that it was stupid to spend more than one had to. She wasn’t stingy at all – she had an eye for “good quality that
costs more.” She knew how  to spend for herself and for people she loved. Neither did she spend other people’s money carelessly, or on a whim. And she certainly slept soundly at night because she didn’t have any debts! By God’s grace, my husband and I don’t have any debts, and didn’t have any debts, for most of our lives. 

Last thoughts: Making a budget is a matter of conscience. A matter of integrity. It clearly draws the line between someone who’s out to take advantage, and someone who’s not. 

Tell me. Will you help your boss – your organization, your family, your team – to save, by economizing and spending  wisely? Or will you just spend all the money that’s there because, well... it’s there!

We may not be able to find the best deals all the time. We might not be able to save in the best way possible every time. But at least, if we try to spend reasonably and wisely, we’ll have a clear conscience – because we didn’t take advantage of, or
exploit anyone!
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