February 24, 2017, 2:28 pm
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1 Philippine Peso = 0.07316 UAE Dirham
1 Philippine Peso = 2.54134 Albanian Lek
1 Philippine Peso = 0.03547 Neth Antilles Guilder
1 Philippine Peso = 0.30584 Argentine Peso
1 Philippine Peso = 0.02581 Australian Dollar
1 Philippine Peso = 0.03566 Aruba Florin
1 Philippine Peso = 0.03985 Barbados Dollar
1 Philippine Peso = 1.58916 Bangladesh Taka
1 Philippine Peso = 0.03686 Bulgarian Lev
1 Philippine Peso = 0.0075 Bahraini Dinar
1 Philippine Peso = 33.57502 Burundi Franc
1 Philippine Peso = 0.01992 Bermuda Dollar
1 Philippine Peso = 0.02801 Brunei Dollar
1 Philippine Peso = 0.13648 Bolivian Boliviano
1 Philippine Peso = 0.06094 Brazilian Real
1 Philippine Peso = 0.01992 Bahamian Dollar
1 Philippine Peso = 1.33493 Bhutan Ngultrum
1 Philippine Peso = 0.2068 Botswana Pula
1 Philippine Peso = 398.88425 Belarus Ruble
1 Philippine Peso = 0.0398 Belize Dollar
1 Philippine Peso = 0.0261 Canadian Dollar
1 Philippine Peso = 0.02005 Swiss Franc
1 Philippine Peso = 12.72046 Chilean Peso
1 Philippine Peso = 0.13672 Chinese Yuan
1 Philippine Peso = 57.13688 Colombian Peso
1 Philippine Peso = 11.05639 Costa Rica Colon
1 Philippine Peso = 0.01992 Cuban Peso
1 Philippine Peso = 2.07671 Cape Verde Escudo
1 Philippine Peso = 0.50888 Czech Koruna
1 Philippine Peso = 3.53457 Djibouti Franc
1 Philippine Peso = 0.14 Danish Krone
1 Philippine Peso = 0.93146 Dominican Peso
1 Philippine Peso = 2.19109 Algerian Dinar
1 Philippine Peso = 0.2946 Estonian Kroon
1 Philippine Peso = 0.31381 Egyptian Pound
1 Philippine Peso = 0.4485 Ethiopian Birr
1 Philippine Peso = 0.01883 Euro
1 Philippine Peso = 0.04109 Fiji Dollar
1 Philippine Peso = 0.01587 Falkland Islands Pound
1 Philippine Peso = 0.01587 British Pound
1 Philippine Peso = 0.08724 Ghanaian Cedi
1 Philippine Peso = 0.86631 Gambian Dalasi
1 Philippine Peso = 183.70194 Guinea Franc
1 Philippine Peso = 0.14674 Guatemala Quetzal
1 Philippine Peso = 4.07272 Guyana Dollar
1 Philippine Peso = 0.1546 Hong Kong Dollar
1 Philippine Peso = 0.46742 Honduras Lempira
1 Philippine Peso = 0.13926 Croatian Kuna
1 Philippine Peso = 1.29548 Haiti Gourde
1 Philippine Peso = 5.80753 Hungarian Forint
1 Philippine Peso = 265.9494 Indonesian Rupiah
1 Philippine Peso = 0.07359 Israeli Shekel
1 Philippine Peso = 1.32863 Indian Rupee
1 Philippine Peso = 23.53058 Iraqi Dinar
1 Philippine Peso = 645.38754 Iran Rial
1 Philippine Peso = 2.17673 Iceland Krona
1 Philippine Peso = 2.5527 Jamaican Dollar
1 Philippine Peso = 0.01409 Jordanian Dinar
1 Philippine Peso = 2.24469 Japanese Yen
1 Philippine Peso = 2.05918 Kenyan Shilling
1 Philippine Peso = 1.37643 Kyrgyzstan Som
1 Philippine Peso = 79.57561 Cambodia Riel
1 Philippine Peso = 9.1855 Comoros Franc
1 Philippine Peso = 17.93186 North Korean Won
1 Philippine Peso = 22.54632 Korean Won
1 Philippine Peso = 0.00607 Kuwaiti Dinar
1 Philippine Peso = 0.01634 Cayman Islands Dollar
1 Philippine Peso = 6.20761 Kazakhstan Tenge
1 Philippine Peso = 163.27555 Lao Kip
1 Philippine Peso = 29.96613 Lebanese Pound
1 Philippine Peso = 2.99761 Sri Lanka Rupee
1 Philippine Peso = 1.79319 Liberian Dollar
1 Philippine Peso = 0.25802 Lesotho Loti
1 Philippine Peso = 0.06074 Lithuanian Lita
1 Philippine Peso = 0.01236 Latvian Lat
1 Philippine Peso = 0.02836 Libyan Dinar
1 Philippine Peso = 0.20106 Moroccan Dirham
1 Philippine Peso = 0.39739 Moldovan Leu
1 Philippine Peso = 1.15302 Macedonian Denar
1 Philippine Peso = 26.97749 Myanmar Kyat
1 Philippine Peso = 49.15322 Mongolian Tugrik
1 Philippine Peso = 0.15924 Macau Pataca
1 Philippine Peso = 7.07312 Mauritania Ougulya
1 Philippine Peso = 0.70472 Mauritius Rupee
1 Philippine Peso = 0.30803 Maldives Rufiyaa
1 Philippine Peso = 14.28352 Malawi Kwacha
1 Philippine Peso = 0.3922 Mexican Peso
1 Philippine Peso = 0.0886 Malaysian Ringgit
1 Philippine Peso = 0.25623 Namibian Dollar
1 Philippine Peso = 6.27615 Nigerian Naira
1 Philippine Peso = 0.58478 Nicaragua Cordoba
1 Philippine Peso = 0.16617 Norwegian Krone
1 Philippine Peso = 2.16378 Nepalese Rupee
1 Philippine Peso = 0.02755 New Zealand Dollar
1 Philippine Peso = 0.00766 Omani Rial
1 Philippine Peso = 0.01992 Panama Balboa
1 Philippine Peso = 0.06452 Peruvian Nuevo Sol
1 Philippine Peso = 0.06317 Papua New Guinea Kina
1 Philippine Peso = 1 Philippine Peso
1 Philippine Peso = 2.08428 Pakistani Rupee
1 Philippine Peso = 0.08101 Polish Zloty
1 Philippine Peso = 113.69198 Paraguayan Guarani
1 Philippine Peso = 0.07254 Qatar Rial
1 Philippine Peso = 0.08479 Romanian New Leu
1 Philippine Peso = 1.15051 Russian Rouble
1 Philippine Peso = 16.24686 Rwanda Franc
1 Philippine Peso = 0.07471 Saudi Arabian Riyal
1 Philippine Peso = 0.155 Solomon Islands Dollar
1 Philippine Peso = 0.26894 Seychelles Rupee
1 Philippine Peso = 0.12751 Sudanese Pound
1 Philippine Peso = 0.17911 Swedish Krona
1 Philippine Peso = 0.02802 Singapore Dollar
1 Philippine Peso = 0.01587 St Helena Pound
1 Philippine Peso = 0.44244 Slovak Koruna
1 Philippine Peso = 147.37996 Sierra Leone Leone
1 Philippine Peso = 10.93843 Somali Shilling
1 Philippine Peso = 461.47041 Sao Tome Dobra
1 Philippine Peso = 0.17378 El Salvador Colon
1 Philippine Peso = 10.26061 Syrian Pound
1 Philippine Peso = 0.25623 Swaziland Lilageni
1 Philippine Peso = 0.69755 Thai Baht
1 Philippine Peso = 0.0455 Tunisian Dinar
1 Philippine Peso = 0.04518 Tongan paʻanga
1 Philippine Peso = 0.07108 Turkish Lira
1 Philippine Peso = 0.13368 Trinidad Tobago Dollar
1 Philippine Peso = 0.61008 Taiwan Dollar
1 Philippine Peso = 44.39131 Tanzanian Shilling
1 Philippine Peso = 0.54164 Ukraine Hryvnia
1 Philippine Peso = 71.22933 Ugandan Shilling
1 Philippine Peso = 0.01992 United States Dollar
1 Philippine Peso = 0.56326 Uruguayan New Peso
1 Philippine Peso = 66.74637 Uzbekistan Sum
1 Philippine Peso = 0.19873 Venezuelan Bolivar
1 Philippine Peso = 454.0546 Vietnam Dong
1 Philippine Peso = 2.10699 Vanuatu Vatu
1 Philippine Peso = 0.0506 Samoa Tala
1 Philippine Peso = 12.34369 CFA Franc (BEAC)
1 Philippine Peso = 0.0538 East Caribbean Dollar
1 Philippine Peso = 12.43714 CFA Franc (BCEAO)
1 Philippine Peso = 2.23132 Pacific Franc
1 Philippine Peso = 4.98008 Yemen Riyal
1 Philippine Peso = 0.25645 South African Rand
1 Philippine Peso = 103.39709 Zambian Kwacha
1 Philippine Peso = 7.2106 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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