Showing posts with label saving money. Show all posts
Showing posts with label saving money. Show all posts

Tuesday, 4 February 2014

Day 26: Monkey mind

Today was a bit of a mindless day, where I just wasn't entirely present. It happens to everyone from time to time though; some more than others, and I think in general, I've become a lot more present over the past couple of years. Despite this scattered-ness, a lot of good things still came out of the day.


What went well?

  1. Got started on the next project for  positive psychology research, and managed to get some coherent thoughts down on the study design. While at the positive psychology center, I hung out with a couple of guys there on their lunch break and really enjoyed talking to them.
  2. Finally got my bank card...3 weeks later.
  3. Went and saw my Intro Buddhism professor for more guidance on my research paper, and now I actually have a solid direction, thanks to his helpful suggestions. Basically, I'm going to trace the history of the word "mindfulness" - how often it's been used in different years and how the meaning has changed across time, and therefore when it started being used in relation to Buddhist ideas. Apparently noone's actually done this before, so it'll actually be a unique scholarly contribution, hopefully. I also managed to write my research proposal straight afterwards, so feel like I actually got something done today and that I finally know where I'm going with this.
  4. My phone fell out of my pocket in the library onto seat, but I realised 5 mins into my walk back and it was still there when I went back. Maybe there is a benefit to mindless email-checking after all??
What did I learn?

  • Fresh Grocer does indeed sell tofu! I think I finally know my way around it now, so it shouldn't take as long to do a grocery shop in the future.
  • Putting on gym clothes gets you in the gym mode. I changed into some gym clothes to do my laundry, and suddenly I felt like going to the gym (I had been planning to go tomorrow). So I did - even though I never go at night. Lesson: if you ever feel too tired or unmotivated to go, just put your gym clothes on. Seriously. You can decide to not go after you've gotten changed, but you probably will - what you wear is a powerful cue (unless you're one of those people who just wears gym clothes everywhere) and it'll feel silly to have to get changed back without going.
  • The paper size is different here. I should have caught on when I noticed that the paper at the library was different when I was photocopying stuff, but I thought that it was a quirk of the photocopiers there. Nope! US Letter seems to be the standard here, and I realised when I printed something off and the top got cut off (US letter is shorter).
Miscellaneous thoughts
  • There is so much free food around here. Where there are dorms or clubs and societies there are events, and where there are events there is food (seemingly a huge incentive for people to go!). So it's quite possible to spend negligible amounts of money on food if you are super skint and don't care about what you ingest :P Case in point:
The events board in my dorm. There are at least 5 events involving free food on here.
  • Another difference that I don't think I mentioned is their approach to research papers over here. The reason that I was in such a kerfuffle about where I should go with my research is that they give you basically no restrictions (or guidelines, for that matter) on what topic to write on. Whereas in Australia it's normal to be given an entire 1-2 page assignment brief including a list of topics to choose from, here you just get told how many pages (not word count) the research paper should be...everything else is up to you! As long as it's related to the course somehow (and it doesn't even have to be closely related, unlike in Australia where in my experience, your assignments are often supposed to be grounded in the course material). The flip side is that professors are therefore much more accessible as advisors for your research paper, and it's normal to check in regularly with them for guidance during the process of researching and writing the paper.

Monday, 6 January 2014

Cheaper Textbooks

I was having a look at some of the required textbooks for my courses, and looked them up on the Penn Book Center website, then on Amazon.

BookPenn Book CenterAmazon
An Introduction to Buddhism: Teachings, History and Practices$32.99$22.98 + $3.99 shipping
An Introduction to Buddhist Ethics: Foundations, Values and Issues$33.99$19.98 + $3.99 shipping
Wherever You Go, There You Are$15.99$14.39 (free shipping)
Child's Mind: Mindfulness Practices to Help Our Children Be More Focused, Calm, and Relaxed $16.95$11.84 (free shipping)
The Mindful Child: How to Help Your Kid Manage Stress and Become Happier, Kinder, and More Compassionate$15.00$12.16 (free shipping)
Total:$114.92$89.33 (savings: $25.59)


I think there's a pretty clear winner here!

I only had to pay for shipping for the first two books because the cheapest option was by a non-Amazon retailer selling through Amazon. The rest of the books, sold directly through Amazon, came with free shipping because all students are entitled to join Amazon Student (for free - but make sure you cancel before the end of your free trial if you don't want to continue and pay!) and get the free two-day shipping benefits of Amazon Prime. Also if you refer friends to Amazon Student, you get $10 credited to your account for each friend who joins. I would be very grateful if you decide to join through my referral link! :)

Friday, 3 January 2014

Cheaper Health Insurance

One of the mandatory requirements for studying at Penn is health insurance that meets their very high requirements, which includes coverage up to $2,000,000, and for pre-existing conditions and mental health conditions, just to name a few. You have to either buy Penn's own insurance plan, the Penn Student Insurance Plan (PSIP), or buy an alternative plan that's approved by Penn, and apply for a waiver. I thought the PSIP was pretty damn expensive - $1,677 for the Spring Semester (January 1 - July 31) or $1,196 through May only. (And obviously, if you're staying for a year, it'll be even more expensive.) Surely there had to be a cheaper alternative to the PSIP!

So I Googled "upenn health insurance alternatives" and found this CollegeConfidential post that pointed me to PSI International Student & Scholar Health Insurance. It's only available for international students (F1 or J1 visa holders and their dependents), and you just select which school you're going to and it finds the appropriate plan. Their Diamond plan is tailored to Penn's requirements, so I promptly bought coverage for 5 months (January 10 - June 10) which will cover me for the Spring semester, as well as my travel afterwards. It came to $625 with a $0 deductible (it's $50 cheaper with a $500 deductible, but I didn't think that was worth it). And in the unlikely case that Penn rejects my waiver application with this insurance, PSI will provide a full refund.

Message: Do some basic research, save nearly $600.

Disclaimer: I'm not saying that PSI insurance is superior to Penn's insurance. All I'm saying is that it's a cheaper option, which already has very high standards (as set by Penn) and will probably cover anything that could conceivably happen. I am also not being paid by PSI to write this, I just wanted to make sure that students on a budget (by definition) like me are fully aware of the more affordable options that do exist out there.

[Edit 08/01/14: Got an email from Penn yesterday, and this insurance has been approved! So it works!]

[Edit 17/01/14: Another exchange student said that this plan also works, and is about $85 a month...]