April 21, 2018, 10:02 am
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1 Philippine Peso = 0.07053 UAE Dirham
1 Philippine Peso = 1.99923 Albanian Lek
1 Philippine Peso = 0.03418 Neth Antilles Guilder
1 Philippine Peso = 0.38677 Argentine Peso
1 Philippine Peso = 0.02467 Australian Dollar
1 Philippine Peso = 0.03418 Aruba Florin
1 Philippine Peso = 0.03841 Barbados Dollar
1 Philippine Peso = 1.59228 Bangladesh Taka
1 Philippine Peso = 0.03034 Bulgarian Lev
1 Philippine Peso = 0.00724 Bahraini Dinar
1 Philippine Peso = 33.62742 Burundi Franc
1 Philippine Peso = 0.0192 Bermuda Dollar
1 Philippine Peso = 0.02503 Brunei Dollar
1 Philippine Peso = 0.13175 Bolivian Boliviano
1 Philippine Peso = 0.06526 Brazilian Real
1 Philippine Peso = 0.0192 Bahamian Dollar
1 Philippine Peso = 1.26032 Bhutan Ngultrum
1 Philippine Peso = 0.18403 Botswana Pula
1 Philippine Peso = 384.48243 Belarus Ruble
1 Philippine Peso = 0.03837 Belize Dollar
1 Philippine Peso = 0.02421 Canadian Dollar
1 Philippine Peso = 0.01858 Swiss Franc
1 Philippine Peso = 11.41406 Chilean Peso
1 Philippine Peso = 0.12052 Chinese Yuan
1 Philippine Peso = 52.12791 Colombian Peso
1 Philippine Peso = 10.7778 Costa Rica Colon
1 Philippine Peso = 0.0192 Cuban Peso
1 Philippine Peso = 1.71039 Cape Verde Escudo
1 Philippine Peso = 0.39282 Czech Koruna
1 Philippine Peso = 3.39601 Djibouti Franc
1 Philippine Peso = 0.11551 Danish Krone
1 Philippine Peso = 0.94891 Dominican Peso
1 Philippine Peso = 2.1798 Algerian Dinar
1 Philippine Peso = 0.24262 Estonian Kroon
1 Philippine Peso = 0.33916 Egyptian Pound
1 Philippine Peso = 0.52276 Ethiopian Birr
1 Philippine Peso = 0.01551 Euro
1 Philippine Peso = 0.03865 Fiji Dollar
1 Philippine Peso = 0.01348 Falkland Islands Pound
1 Philippine Peso = 0.01349 British Pound
1 Philippine Peso = 0.08525 Ghanaian Cedi
1 Philippine Peso = 0.89975 Gambian Dalasi
1 Philippine Peso = 172.80584 Guinea Franc
1 Philippine Peso = 0.14089 Guatemala Quetzal
1 Philippine Peso = 3.95007 Guyana Dollar
1 Philippine Peso = 0.15072 Hong Kong Dollar
1 Philippine Peso = 0.45249 Honduras Lempira
1 Philippine Peso = 0.11491 Croatian Kuna
1 Philippine Peso = 1.24505 Haiti Gourde
1 Philippine Peso = 4.8093 Hungarian Forint
1 Philippine Peso = 264.60534 Indonesian Rupiah
1 Philippine Peso = 0.06739 Israeli Shekel
1 Philippine Peso = 1.26727 Indian Rupee
1 Philippine Peso = 22.73862 Iraqi Dinar
1 Philippine Peso = 806.60649 Iran Rial
1 Philippine Peso = 1.91031 Iceland Krona
1 Philippine Peso = 2.37565 Jamaican Dollar
1 Philippine Peso = 0.01361 Jordanian Dinar
1 Philippine Peso = 2.06171 Japanese Yen
1 Philippine Peso = 1.92145 Kenyan Shilling
1 Philippine Peso = 1.32194 Kyrgyzstan Som
1 Philippine Peso = 76.97331 Cambodia Riel
1 Philippine Peso = 7.61206 Comoros Franc
1 Philippine Peso = 17.28442 North Korean Won
1 Philippine Peso = 20.40042 Korean Won
1 Philippine Peso = 0.00575 Kuwaiti Dinar
1 Philippine Peso = 0.01575 Cayman Islands Dollar
1 Philippine Peso = 6.25043 Kazakhstan Tenge
1 Philippine Peso = 158.93989 Lao Kip
1 Philippine Peso = 28.9034 Lebanese Pound
1 Philippine Peso = 2.99693 Sri Lanka Rupee
1 Philippine Peso = 2.50451 Liberian Dollar
1 Philippine Peso = 0.22892 Lesotho Loti
1 Philippine Peso = 0.05855 Lithuanian Lita
1 Philippine Peso = 0.01192 Latvian Lat
1 Philippine Peso = 0.02543 Libyan Dinar
1 Philippine Peso = 0.17577 Moroccan Dirham
1 Philippine Peso = 0.31452 Moldovan Leu
1 Philippine Peso = 0.94968 Macedonian Denar
1 Philippine Peso = 25.52333 Myanmar Kyat
1 Philippine Peso = 45.86134 Mongolian Tugrik
1 Philippine Peso = 0.15521 Macau Pataca
1 Philippine Peso = 6.76013 Mauritania Ougulya
1 Philippine Peso = 0.64144 Mauritius Rupee
1 Philippine Peso = 0.29902 Maldives Rufiyaa
1 Philippine Peso = 13.70175 Malawi Kwacha
1 Philippine Peso = 0.35007 Mexican Peso
1 Philippine Peso = 0.07459 Malaysian Ringgit
1 Philippine Peso = 0.22915 Namibian Dollar
1 Philippine Peso = 6.87536 Nigerian Naira
1 Philippine Peso = 0.59554 Nicaragua Cordoba
1 Philippine Peso = 0.14884 Norwegian Krone
1 Philippine Peso = 2.01652 Nepalese Rupee
1 Philippine Peso = 0.02629 New Zealand Dollar
1 Philippine Peso = 0.00739 Omani Rial
1 Philippine Peso = 0.0192 Panama Balboa
1 Philippine Peso = 0.06176 Peruvian Nuevo Sol
1 Philippine Peso = 0.06241 Papua New Guinea Kina
1 Philippine Peso = 1 Philippine Peso
1 Philippine Peso = 2.21836 Pakistani Rupee
1 Philippine Peso = 0.06459 Polish Zloty
1 Philippine Peso = 106.04187 Paraguayan Guarani
1 Philippine Peso = 0.0699 Qatar Rial
1 Philippine Peso = 0.07223 Romanian New Leu
1 Philippine Peso = 1.16816 Russian Rouble
1 Philippine Peso = 16.22066 Rwanda Franc
1 Philippine Peso = 0.07202 Saudi Arabian Riyal
1 Philippine Peso = 0.14768 Solomon Islands Dollar
1 Philippine Peso = 0.25792 Seychelles Rupee
1 Philippine Peso = 0.34667 Sudanese Pound
1 Philippine Peso = 0.161 Swedish Krona
1 Philippine Peso = 0.02513 Singapore Dollar
1 Philippine Peso = 0.01349 St Helena Pound
1 Philippine Peso = 0.42646 Slovak Koruna
1 Philippine Peso = 146.53351 Sierra Leone Leone
1 Philippine Peso = 10.79316 Somali Shilling
1 Philippine Peso = 380.06338 Sao Tome Dobra
1 Philippine Peso = 0.16804 El Salvador Colon
1 Philippine Peso = 9.89015 Syrian Pound
1 Philippine Peso = 0.22917 Swaziland Lilageni
1 Philippine Peso = 0.599 Thai Baht
1 Philippine Peso = 0.04602 Tunisian Dinar
1 Philippine Peso = 0.04292 Tongan paʻanga
1 Philippine Peso = 0.07736 Turkish Lira
1 Philippine Peso = 0.12961 Trinidad Tobago Dollar
1 Philippine Peso = 0.56365 Taiwan Dollar
1 Philippine Peso = 43.7488 Tanzanian Shilling
1 Philippine Peso = 0.50259 Ukraine Hryvnia
1 Philippine Peso = 70.84694 Ugandan Shilling
1 Philippine Peso = 0.0192 United States Dollar
1 Philippine Peso = 0.54158 Uruguayan New Peso
1 Philippine Peso = 154.65719 Uzbekistan Sum
1 Philippine Peso = 1139.831 Venezuelan Bolivar
1 Philippine Peso = 437.43038 Vietnam Dong
1 Philippine Peso = 2.00538 Vanuatu Vatu
1 Philippine Peso = 0.04922 Samoa Tala
1 Philippine Peso = 10.16881 CFA Franc (BEAC)
1 Philippine Peso = 0.05185 East Caribbean Dollar
1 Philippine Peso = 10.16881 CFA Franc (BCEAO)
1 Philippine Peso = 1.83983 Pacific Franc
1 Philippine Peso = 4.79931 Yemen Riyal
1 Philippine Peso = 0.2292 South African Rand
1 Philippine Peso = 99.66391 Zambian Kwacha
1 Philippine Peso = 6.95026 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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