May 28, 2017, 5:17 am
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1 Philippine Peso = 0.07372 UAE Dirham
1 Philippine Peso = 2.41289 Albanian Lek
1 Philippine Peso = 0.03568 Neth Antilles Guilder
1 Philippine Peso = 0.32234 Argentine Peso
1 Philippine Peso = 0.02694 Australian Dollar
1 Philippine Peso = 0.03594 Aruba Florin
1 Philippine Peso = 0.04014 Barbados Dollar
1 Philippine Peso = 1.61883 Bangladesh Taka
1 Philippine Peso = 0.03501 Bulgarian Lev
1 Philippine Peso = 0.00757 Bahraini Dinar
1 Philippine Peso = 34.21016 Burundi Franc
1 Philippine Peso = 0.02007 Bermuda Dollar
1 Philippine Peso = 0.02775 Brunei Dollar
1 Philippine Peso = 0.1385 Bolivian Boliviano
1 Philippine Peso = 0.06559 Brazilian Real
1 Philippine Peso = 0.02007 Bahamian Dollar
1 Philippine Peso = 1.29566 Bhutan Ngultrum
1 Philippine Peso = 0.20514 Botswana Pula
1 Philippine Peso = 401.84665 Belarus Ruble
1 Philippine Peso = 0.0401 Belize Dollar
1 Philippine Peso = 0.02701 Canadian Dollar
1 Philippine Peso = 0.01958 Swiss Franc
1 Philippine Peso = 13.41871 Chilean Peso
1 Philippine Peso = 0.13757 Chinese Yuan
1 Philippine Peso = 58.49057 Colombian Peso
1 Philippine Peso = 11.65616 Costa Rica Colon
1 Philippine Peso = 0.02007 Cuban Peso
1 Philippine Peso = 1.98153 Cape Verde Escudo
1 Philippine Peso = 0.47496 Czech Koruna
1 Philippine Peso = 3.56443 Djibouti Franc
1 Philippine Peso = 0.13368 Danish Krone
1 Philippine Peso = 0.94018 Dominican Peso
1 Philippine Peso = 2.17375 Algerian Dinar
1 Philippine Peso = 0.28102 Estonian Kroon
1 Philippine Peso = 0.3623 Egyptian Pound
1 Philippine Peso = 0.45965 Ethiopian Birr
1 Philippine Peso = 0.01796 Euro
1 Philippine Peso = 0.04169 Fiji Dollar
1 Philippine Peso = 0.01563 Falkland Islands Pound
1 Philippine Peso = 0.01565 British Pound
1 Philippine Peso = 0.08608 Ghanaian Cedi
1 Philippine Peso = 0.90225 Gambian Dalasi
1 Philippine Peso = 182.35648 Guinea Franc
1 Philippine Peso = 0.14716 Guatemala Quetzal
1 Philippine Peso = 4.09595 Guyana Dollar
1 Philippine Peso = 0.15642 Hong Kong Dollar
1 Philippine Peso = 0.46989 Honduras Lempira
1 Philippine Peso = 0.13267 Croatian Kuna
1 Philippine Peso = 1.33601 Haiti Gourde
1 Philippine Peso = 5.51927 Hungarian Forint
1 Philippine Peso = 267.16178 Indonesian Rupiah
1 Philippine Peso = 0.0717 Israeli Shekel
1 Philippine Peso = 1.29566 Indian Rupee
1 Philippine Peso = 23.70534 Iraqi Dinar
1 Philippine Peso = 651.18426 Iran Rial
1 Philippine Peso = 2.00763 Iceland Krona
1 Philippine Peso = 2.60177 Jamaican Dollar
1 Philippine Peso = 0.01422 Jordanian Dinar
1 Philippine Peso = 2.23294 Japanese Yen
1 Philippine Peso = 2.06945 Kenyan Shilling
1 Philippine Peso = 1.36341 Kyrgyzstan Som
1 Philippine Peso = 81.17021 Cambodia Riel
1 Philippine Peso = 9.03573 Comoros Franc
1 Philippine Peso = 18.06503 North Korean Won
1 Philippine Peso = 22.47491 Korean Won
1 Philippine Peso = 0.00608 Kuwaiti Dinar
1 Philippine Peso = 0.01646 Cayman Islands Dollar
1 Philippine Peso = 6.21999 Kazakhstan Tenge
1 Philippine Peso = 164.1108 Lao Kip
1 Philippine Peso = 30.22079 Lebanese Pound
1 Philippine Peso = 3.06604 Sri Lanka Rupee
1 Philippine Peso = 1.82658 Liberian Dollar
1 Philippine Peso = 0.25943 Lesotho Loti
1 Philippine Peso = 0.06119 Lithuanian Lita
1 Philippine Peso = 0.01246 Latvian Lat
1 Philippine Peso = 0.02797 Libyan Dinar
1 Philippine Peso = 0.19607 Moroccan Dirham
1 Philippine Peso = 0.36395 Moldovan Leu
1 Philippine Peso = 1.10036 Macedonian Denar
1 Philippine Peso = 27.19791 Myanmar Kyat
1 Philippine Peso = 48.1935 Mongolian Tugrik
1 Philippine Peso = 0.16111 Macau Pataca
1 Philippine Peso = 7.18587 Mauritania Ougulya
1 Philippine Peso = 0.6951 Mauritius Rupee
1 Philippine Peso = 0.31052 Maldives Rufiyaa
1 Philippine Peso = 14.40426 Malawi Kwacha
1 Philippine Peso = 0.37051 Mexican Peso
1 Philippine Peso = 0.08565 Malaysian Ringgit
1 Philippine Peso = 0.25809 Namibian Dollar
1 Philippine Peso = 6.4432 Nigerian Naira
1 Philippine Peso = 0.6002 Nicaragua Cordoba
1 Philippine Peso = 0.16848 Norwegian Krone
1 Philippine Peso = 2.07648 Nepalese Rupee
1 Philippine Peso = 0.02843 New Zealand Dollar
1 Philippine Peso = 0.00773 Omani Rial
1 Philippine Peso = 0.02007 Panama Balboa
1 Philippine Peso = 0.06543 Peruvian Nuevo Sol
1 Philippine Peso = 0.06377 Papua New Guinea Kina
1 Philippine Peso = 1 Philippine Peso
1 Philippine Peso = 2.10277 Pakistani Rupee
1 Philippine Peso = 0.0752 Polish Zloty
1 Philippine Peso = 111.54155 Paraguayan Guarani
1 Philippine Peso = 0.07308 Qatar Rial
1 Philippine Peso = 0.08182 Romanian New Leu
1 Philippine Peso = 1.13952 Russian Rouble
1 Philippine Peso = 16.44902 Rwanda Franc
1 Philippine Peso = 0.07527 Saudi Arabian Riyal
1 Philippine Peso = 0.15837 Solomon Islands Dollar
1 Philippine Peso = 0.26825 Seychelles Rupee
1 Philippine Peso = 0.13368 Sudanese Pound
1 Philippine Peso = 0.17472 Swedish Krona
1 Philippine Peso = 0.02777 Singapore Dollar
1 Philippine Peso = 0.01563 St Helena Pound
1 Philippine Peso = 0.44572 Slovak Koruna
1 Philippine Peso = 150.54195 Sierra Leone Leone
1 Philippine Peso = 11.01967 Somali Shilling
1 Philippine Peso = 440.26096 Sao Tome Dobra
1 Philippine Peso = 0.17507 El Salvador Colon
1 Philippine Peso = 10.33681 Syrian Pound
1 Philippine Peso = 0.25802 Swaziland Lilageni
1 Philippine Peso = 0.68306 Thai Baht
1 Philippine Peso = 0.04816 Tunisian Dinar
1 Philippine Peso = 0.04615 Tongan paʻanga
1 Philippine Peso = 0.07172 Turkish Lira
1 Philippine Peso = 0.13487 Trinidad Tobago Dollar
1 Philippine Peso = 0.60472 Taiwan Dollar
1 Philippine Peso = 44.74107 Tanzanian Shilling
1 Philippine Peso = 0.5289 Ukraine Hryvnia
1 Philippine Peso = 72.26014 Ugandan Shilling
1 Philippine Peso = 0.02007 United States Dollar
1 Philippine Peso = 0.56624 Uruguayan New Peso
1 Philippine Peso = 76.29466 Uzbekistan Sum
1 Philippine Peso = 0.20022 Venezuelan Bolivar
1 Philippine Peso = 456.12204 Vietnam Dong
1 Philippine Peso = 2.15295 Vanuatu Vatu
1 Philippine Peso = 0.05162 Samoa Tala
1 Philippine Peso = 11.77599 CFA Franc (BEAC)
1 Philippine Peso = 0.0542 East Caribbean Dollar
1 Philippine Peso = 11.81574 CFA Franc (BCEAO)
1 Philippine Peso = 2.13228 Pacific Franc
1 Philippine Peso = 5.01706 Yemen Riyal
1 Philippine Peso = 0.25808 South African Rand
1 Philippine Peso = 104.16499 Zambian Kwacha
1 Philippine Peso = 7.26415 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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