The difference: Cheap vs Frugal people

  • "Frugality isn't about cutting your spending on everything," writes Ramit Sethi in "I Will Teach You to Be Rich." "That approach wouldn't last two days. Frugality, quite simply, is about choosing the things you love enough to spend extravagantly on — and then cutting costs mercilessly on the things you don't love."
  • Author Thomas C. Corley conducted a five-year study of self-made millionaires and found that 67% of the wealthy people he spoke with consider themselves to be frugal. They spend money on the things that matter to them, instead of indiscriminately on vacations and new cars (unless, perhaps, those are the things they most value).

MUNA PHARMACY inakukaribisha Makao Makuu Dodoma!

Muna Pharmacy
Inapatikana Madukani Street karibu na benki ya Barclays.

Muda wa huduma: Saa mbili asubuhi hadi saa tatu usiku.

Mfamasia mzoefu anapatikana muda wote wa huduma.

Located at Madukani Street Near Barclays Bank.

Opening Hours: 0800hrs - 2100hrs.

A full-time, experienced Pharmacist is available.



The 2016 – 2017 Competition Advocacy Contest

The 2016 – 2017 Competition Advocacy Contest - Elevating Competition Policies in Economic Policy Agendas: Innovative Advocacy Strategies to Address Market Challenges

A panel will review the submissions and select the top stories. The award ceremony will take place during the 2017 ICN Annual Conference that will take pace in Porto (Portugal) and winning stories will be featured in an ICN-World Bank Group Publication.

Winners and honorable mentions will be announced on February 17, 2017.

APPLY ONLINE before December 16, 2016.

World Heritage Volunteers 2017 – Call for Projects

Celebrating 10 years of the initiative, the World Heritage Centre is pleased to announce the Call for Projects for the World Heritage Volunteers (WHV) Campaign 2017.
In order to get involved or renew your commitment to the World Heritage Volunteers Initiative, please fill in the on-line application.

Please submit your application at the latest by 30 November 2016 at Midnight (Paris Time)


If you have difficulties accessing the online form, please download the application form and send it to [email protected] (for projects in Africa, Arab States and the Ameri­cas), to [email protected] (for projects in Europe) or [email protected] (for projects in Asia), with a copy to the World Heritage Centre ([email protected]).

For more details, please visit the source:

Holland Scholarship Programme 2017 to study in The Netherlands

The scholarship amounts to € 5,000. You will receive this in the first year of your studies.
Application criteria
  • You hold a non-EEA nationality that is not Surinamese or Swiss.
  • You are applying for a full-time English taught Master’s programme at Vrije Universiteit Amsterdam.
  • The degree with which you are seeking admission has not been obtained in the Netherlands.
  • You need to have applied for VUFP. We will only award HSP scholarships to recipients of the VU Fellowship Programme.
  • We select excellent students who contribute to the diversity at our campus.

Commonwealth Shared Scholarships 2017 for applicants from Developing Countries to study in UK

To apply for these scholarships, you must:
  • Be a Commonwealth citizen, refugee, or British protected person
  • Be permanently resident in a developing Commonwealth country (for a full list of eligible countries, see the terms and conditions)
  • Be available to start your academic studies in the UK by the start of the UK academic year in September/October 2017
  • By August 2017, hold a first degree of either first or upper second class (2:1) classification, or lower second class (2:2) classification plus a relevant postgraduate qualification (usually a Master’s degree)
  • Not have studied or worked for one (academic) year or more in a developed country
  • Be unable, either yourself or through your family, to pay to study in the UK
Visit the source link for more

Disability Rights Scholarship Program

The Disability Rights Scholarship Program provides awards for master’s degree study to disability rights advocates, lawyers, and educators to develop new legislation, jurisprudence, policy, research, and scholarship to harness the innovations and opportunities offered by the United Nations Convention on the Rights of Persons with Disabilities (CRPD).

The competition is merit-based and open to those meeting the following criteria:
  • be a citizen and legal resident of Argentina, China, Mexico, Mozambique, Peru, Sudan, South Sudan, Tanzania, Tunisia, or Uganda at the time of application
  • have work experience in the legal profession or advocacy focusing on human/disability rights and/or work in education with a demonstrated interest in advancing inclusive education
  • have an excellent academic record with a bachelor of laws (LLB; in exceptional circumstances, those without a LLB but with substantial relevant experience may be considered); for inclusive education, a degree in teaching, public administration/policy, anthropology, social work, psychology, or related field
  • have demonstrated leadership in the field of disability rights or education
  • be proficient in spoken and written English or French and able to meet university-designated minimum scores on standardized language tests
  • be able to participate in an intensive academic writing program in summer 2017
  • be able to begin the graduate program in August or September 2017
  • be able to receive and maintain visa or study permit required by host country
  • demonstate a clear commitment to return to home country to advance the inclusion and full participation of persons with disabilities in their communities, or to aid ongoing disability rights work
Visit the source page for details and applications.

Call for applications: Young African Women Innovators Network Business Innovation Lab 2016

The innovation bootcamp brings together a selected group of ambitious and talented young African women to develop new innovative business ideas that help to build a better future for women and girls in Africa.

Over the 2 days, participants are equipped with problem solving and innovation tools as well as supported to incorporate the use of technology to develop their solutions.

Applications for our first Business Bootcamp taking place on 20th & 21stJan 2017 in Accra, Ghana are now open. APPLY TODAY

Use the following source link for details

Call for entries: The Isu Elihle Awards competition

The awards are aimed at media professionals that seek to encourage fresh reporting, innovative angles, insightful investigations and those that seek to give children a voice and elevate the status of the child in Eastern and Southern Africa.

To enter the competition, access the application form here

Entries will close on the 3rd of November 2016

Use this link for more

Biodiversity Media Grant Opportunity – 2017 call for applications

The 2017 round of EJN’s Biodiversity Media Grant Opportunity is now open for applicants.

please avoid any applications rooted in advocacy or political campaigning. Although we will consider applications by NGOs or environmental groups looking to build the capacity of journalists to cover conservation issues, preference will be given to applications from or affiliated with professional journalists, media organizations, journalism schools and the like.

This grant fund contains US$30,000, which we would ideally share among three projects. The average grant size would therefore be US$10,000, with potentially a greater share of the total going to projects that demonstrate a critical need.

The deadline for applications is December 23rd, 2016.

Grantees are expected to give their full cooperation in monitoring and evaluating the results of the projects, and are encouraged to submit their own monitoring and evaluation plan along with their application. The final monitoring and evaluation plan will be agreed upon Internews’ Earth Journalism Network by and each individual grantee.

To send application and for details, visit

2017 Ocean Awareness Student Contest Ocean Pollution: Challenges & Solutions

Bow Seat 2017 Ocean Awareness Student Contest invite middle and high school students from around the world to participate in the 2017 Bow Seat Ocean Awareness Student Contest! This year’s theme is Ocean Pollution: Challenges & Solutions.

Rrules & Eligibility

Competition Period
  • The 2017 Bow Seat Ocean Awareness Student Contest opens for submissions on Thursday, September 15, 2016. All submissions must be received by Monday, June 19, 2017 at 11:59 PM Eastern Time (ET) to be considered in the 2017 Contest. The online platform will close automatically at the Contest deadline. Please plan accordingly!
Who May Enter
  • This is an international Contest and is open to eligible students worldwide.
  • Any student in grades 6-8 (or the international or homeschool equivalent) is eligible for the Middle School division. Any student in grades 9-12 (or the international or homeschool equivalent) is eligible for the High School division. As long as you were a middle school or high school student for any amount of time during the Contest (September 2016 – June 2017), you are eligible to enter.
  • Participants under the age of 13 must have a parent or legal guardian complete a Children’s Online Privacy Protection Act (COPPA) Parent/Guardian Consent Form and upload it as part of their submission.
  • Entries may be submitted by an individual or group of unlimited size. If you submit as a group, there must be one group leader who will serve as the contact person for the group. All of the names of the group members must be listed in the submission. Award money will be split among the group members.
  • Any student may submit (i.e., have their name included in) only one entry per category. Therefore, a student may have a maximum of four different submissions, one in each category.
For How to Enter & more, visit the soruce at

Online Google Digital Skills for Young Africans

Get the digital skills you need to grow your business, your career or just your confidence.

Google is launching a new FREE Digital Skills Africa online portal.

The portal contains 89 online lessons on a wide range of digital subjects including web analytics, social media management and mobile marketing. Available in English and French and in the near future in Portuguese, Google hopes the portal will enable more people in more African countries to make the most of the web.

The training is available to anyone, and people who complete the program will receive a Certificate of Online Proficiency.

Call for applications: Young African Scholars Program

Every two years the foundation hosts the Young African Scholars program. Ten scholars whose proposed projects are judged to be of high quality and closely relevant to the foundation’s interest in violence and aggression are selected to take part.

The program includes a methods workshop, fieldwork research grants of $2,000 USD each, editorial and publication assistance, and sponsorship at an international conference to present research findings.

Application Guidelines
Applicants must be aged 35 or younger and must have been educated on the African continent and currently residing there.

Applications are due by December 15th. All application materials must be submitted by the end of that day (midnight, EST) in order to be considered.

Applications should be no more than six pages and include the following:

Research question
  • Short literature review
  • Description of research methods to be used
  • Two-page C.V.
  • Copy of passport or government-issued ID card
Apply online at: (Requires a free account)

Or send application to:

The Harry Frank Guggenheim Foundation
25 West 53rd Street
New York, NY 10019

Call for Proposals: USA-Tanzania Fund for Cultural Preservation

U.S. Mission Tanzania encourages AFCP proposals from reputable and accountable non-commercial entities, such as:
  • Non-governmental organizations;
  • Museums;
  • Government insitutions dealing with cultural heritage and preservation; and
  • Similar institutions and organizations that are able to demonstrate the requisite experience and capacity to manage projects to preserve cultural heritage.
Application Deadline: Letters of intent to submit proposals: 1st December, 2016. The deadline for the full proposals is 4th January, 2017.

More info:

There is a reason why your phone shuts down when it's too cold