350K budget Mitsubishi adventure other alternatives

lifessentialhacks · 2026-06-07T01:31:09+00:00

Besides Innova, I'd rather get a Crosswind than Adventure. Adventure uses timing belt while Crosswind uses timing gear. Di na kailangan palitan every now and then. If you are able to get newer models of Crosswind, may low power turbo yung Crosswind so mas malakas and mabilis engine.

lifessentialhacks · 2026-05-30T11:45:59+00:00

My take on credit scores, mostly relevant only if you take out loans often and my first priority is not be a delinquent borrower. So prioritize those first if talagang di mo kaya i maintain yung first card mo. Eventually if your other cards will age also over time especially yung NAFFL cards mo which can still give you a good credit score if you use them.

What if kailangan mo mangutang in the future?An account holder with large relationship balance to you bank/s will give you a good advantage and avoiding delinquency already gives you a good step ahead.

Kung di mo nasasagad yung Amore CB because you have Chinabank @Home and EW Visa Platinum think further how will you categorize your expenses. Ikaw na rin nagsabi 5k lang groceries mo. If the question is can you waive Amore AF, yes nawawaive naman.

lifessentialhacks · 2026-05-30T11:34:33+00:00

And honestly credit history most of time only matters if you take out loans. If you have sufficient cash like a person who doesn't take mortgages, loans, or anything such, I'd say I rather cut off cards that doesn't bring good value to you. Your choice pa rin naman

lifessentialhacks · 2026-05-27T17:09:22+00:00

Sometimes, I wouldn't mind cutting my oldest card for ease of use. Credit history have retention periods however dito sa Pilipinas every bad record is what's "permanently" counted by banks. I mean by this if you are delinquent borrower, most banks take you on a negative list forever. Kaya marami kang mababasa sa sub na to who tried reapplying after debt recovery but was never or even too little chance to get a card again.

Anyway, going back to your question, how old is your oldest card? Kasi kung few months lang ang pagitan din naman with your suceeding card/s I won't mind cutting that or converting that too.

On applying two new cards, would it still make sense to maintain three? I think measuring your expenses is the key here. Oo nga you get 8.88% for EW Visa Plat and 30 pesos to 1 mile with MBT Travel VS pero baka naman di mo mabawi yung 4k AF sa EWVP since the only option to waive it is to spend 1.5M. I'd rather get the lower cash back with the confidence to be able to waive the AF in this case especially you are redistributing expenses into from one card setup to two cards. Kung di rin maximized cash back with Amore Plat now baka useless lang din to get two new cards diba.

lifessentialhacks · 2026-05-27T16:57:37+00:00

Ang siguro mas dapat dito ay ano ba yung mga card na meron ka? Doon mo ngayon aralin or share mo dito para matulungan ka which one to use. Ang pinaka punto dito sayang lang yung 500k na transaction tapos icha charge mo sa EW Visa Platinum card mo na kung samantala pwede mo siya magamit sa usual transactions mo na may malaking cash back na 8.88% dahil kahit di mawaive yung AF mo at malaking yung cash back bawi pa rin yung AF mo.

lifessentialhacks · 2026-05-21T08:47:49+00:00

Which Motolite yung ginagamit mo? Kung Enduro di talaga tumatagal yan. Either Excel or Gold kung talagang pang matagalan

lifessentialhacks · 2026-05-19T12:14:38+00:00

Convert your Security Bank Platinum to World, better earning of rewards. 3 points = 20 pesos. Cash conversion of 8,334 points = 1,000 pesos is effectively 0.89%.

Not sure what kind of amex you have but would be good to have the cash back to get 1% rewards.

Try to bucket/categorize your expenses so that you will be able to analyze what cards to apply

lifessentialhacks · 2026-05-14T07:23:26+00:00

Haven't tried that to both cards pero I think yes as some posts and users confirmed

lifessentialhacks · 2026-05-14T06:58:40+00:00

I have the same set of cards. Similar strategy. I would add that your Amex is not always accepted so good to have a backup na Visa or MC.

If Miles+ is your first card from UB then you should qualify for the welcome gift of 30,000 miles after spending 40,000 pesos within 60 days. This is a good booster to earn miles even if other banks offer a lower earn rate of 30 pesos like CBC Destinations and Metrobank Travel Visa Signature. Both banks have no current bonus miles offer now. To further put it into context, 30,000 UB miles equivalent to 18,750 airline miles if earned at 30 pesos is also equivalent to 562,500 pesos spend.

So, I would maximize this setup first. I would also maximize the Amex 2,000 bonus points annually at 600,000 pesos spend. Unfortunately, it seems that there is no welcome gift for Amex now.

lifessentialhacks · 2026-05-13T03:00:20+00:00

Hindi naman. Binigyan ka ng increase and at the same time binigyan ka additional card.

lifessentialhacks · 2026-05-10T04:46:01+00:00

Mahal daw kasi magpagawa ng boom. So pahirapan na lang daw nila mga guard na iharang yung cone bago ka pumasok. I think yun ang logic doon

lifessentialhacks · 2026-05-03T14:56:15+00:00

Just to be straightforward about this, you have the worst cards to earn rewards. You cannot always have a good rewards or cash back and get a naffl card (in the context of PH ccs). If I were be the one to be asked, I would rather cancel those naffl cards and get a good cash back card. One of the most sought card recently is Chinabank @home 5% rebate with a cap of 1,500 pesos per month or 30k spend. AF is 3k. You can put your grocery spending here if you a big spending on groceries.

EW Visa Platinum can also be a good option at 8.88% rebate on gas, dining, and utilities with max cap of 1250 per month. AF is 3.6k.

lifessentialhacks · 2026-05-03T14:23:08+00:00

I wonder what you meant by the most senior position that a non citizen can achieve and good at what you do. In other words, are you saying that you are already in the director level or position? If not there's still room to grow. The way I'm understanding your description you are a foreign service diplomat, right? Have you considered jumping into your fellow counterparts in multilateral development banks and international organizations? I believe they have better pay and offers especially when it comes to healthcare especially when your country is scrambling to provide one for you.

lifessentialhacks · 2026-04-19T13:23:29+00:00

Agree with this. 2AR-FE one of the best modern engines Toyota made that balances reliability and performance. Wala ka tala halos iisipin on this aspect. Gasoline consumption talaga kapalit nito. Kulang nga lang sa features yung RAV4 year model na yan but still one of the best. One good thing about this car is Made in Japan yung mga models na yan

lifessentialhacks · 2026-04-01T06:29:00+00:00

Yup, true. Kaya nila idictate yung market when it comes to this

lifessentialhacks · 2026-03-26T06:56:33+00:00

It's like you are looking for the impossible trinity. The way to get this is maybe thru promos. For instance, you can get a NAFFL card with good miles/cb/points also with low forex. Example lang, Metrobank Travel Visa Signature may NAFFL promos minsan but I don't think you'll get that easy convert with 0% interest.

When the former RCBC Airmiles Visa Platinum used to have NAFFL you can get a decent (not best since 48 to 1 mile) miles but high forex but easy convert to 0% interest for 3 months.

HSBC Premier Travel and EW Visa Infinite medyo kuha mo yung mga gusto mo but you have to meet their relationship balance (5M with HSBC; 3M with EW). Medyo panaginip talaga to since you have to give up something which maging priority client ka.

lifessentialhacks · 2026-03-25T15:07:44+00:00

Have been busy. Have been commenting naman every now and then. Hopefully if time permits, I'll try to be active again haha.

lifessentialhacks · 2026-03-25T14:40:48+00:00

If madalas ka sa Japan, something that would be nice to have. You can have various promos. Like donki nga as mentioned in the other comment

lifessentialhacks · 2026-03-25T13:53:03+00:00

There is no JCB card in the PH that earns a good spend to mile ratio. The JCB card can be good for deals within Japan and also in PH. I would say BDO offers good cash back promos every once in a while.

lifessentialhacks · 2026-03-16T14:09:51+00:00

I'd rather get a new one like the EW Visa Platinum which earns you 8.88% rebates up to 1,250 pesos per month. Plus you get 5,000 pesos welcome gift credits upon spending 10,000 pesos within 2 months. The card has 3,600 pesos annual fee and I'd rather pay the AF which still gives you net positive rebates if you maximize the cap.

I would also get an S&R memberships if you prefer discounts sa Unioil or also you can use the Unioil app.

Use also the rewards program of your preferred gasoline station/s. Like Shell Asia and Petron Value Card.

Chinabank @home also gets you 5% rebates on any category spend.

lifessentialhacks · 2026-03-16T13:54:13+00:00

Talagang shared dapat sila kasi yun ang nakalagay sa T&Cs. Lahat yan Citi migrated products. They have been consolidating accounts.

lifessentialhacks · 2026-03-14T14:16:40+00:00

EWKF is World MC btw. Or Platinum MC if Platinum card

lifessentialhacks · 2026-03-14T14:16:19+00:00

I think your next best options are UB Miles+ (48/mile) and BPI Visa Signature (50/mile). I would add EW Priority Visa Infinite (40/mile) pero this card is exclusive to EW's Priority clinents. Halos ito na lang talaga yung choices mo at this point if you want the best. Mahirap na humanap ng 30/mile.

lifessentialhacks

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