Eating Healthy Food on a Budget – Number 3
Today we upload the 3rd video of our 5 video…
ĠEMMA Research: Unemployed Persons
ĠEMMA in 2019 launched an EU ESF co-financed financial capability…
ĠEMMA partners with the eSkills Malta Foundation on Digital Skills and Scams and Frauds
ĠEMMA’s mandate is to inculcate retirement and financial capability –…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 24
One of the money management COVID-19 measures that the Government…
Download Part II of ĠEMMA’s Little Black Books of Scams and Fraud
The ĠEMMA team is pleased to present Part II in…
ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND MAY 2020
DOWNLOAD ĠEMMA PULSE SURVEY ON HOUSEHOLD MONEY MANAGEMENT APRIL AND…
Studying Abroad? The ĠEMMA Money Management Tips for Studying Abroad
You decided to go overseas to further your studies or…
Launch of Business Money Measures by Government
Money Management and Economic Recovery The Government on Monday 8th…
Do you know what your level of affordable debt is?
To be financially healthy it is very important that you…
Launch of Family Money Measures by Government
Money Management and Economic Recovery The Government on Monday 8th…
ĠEMMA Research: Teenagers
ĠEMMA in 2019 launched an EU ESF co-financed financial capability…
The Compound Interest Calculator
The ĠEMMA team has revamped its Compound Interest Calculator. The…
Understanding an APR on a Credit Card?
One particular term relating to credit cards that confuses the…
Department of Social Security Calculators and Gateway to My Services
The ‘Tools’ section on the ĠEMMA portal has been refreshed.…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 23
Our behaviour when it comes to retirement planning is conditioned…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 22
Is your money safe at your bank during the COVID-19…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 21
At the end of April the Government announced that the…
ĠEMMA – An Assortment of Financial Information
Our ĠEMMA team has tried for the past 3 years…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 20
My ĠEMMA Budget Planner To download the guidebook, please click…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 19
To download the guidebook, please click here. One important lesson…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 18
With the stock markets the world over plummeting it is…
Analysis of the Payment Habits in Malta – 2018
The Central Bank of Malta recently published an interesting survey…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 17
Assistance in Payment of Rents The Government announced that persons…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 16
The Government announced that it has reached agreement with all…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 15
Research shows that banknotes and coins do not ‘pose a…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 14
You can apply for the COVID-19 social measures on-line as…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 13
As we are experiencing COVID-19 there is a good possibility…
Launch of New Calculator: The Latte Tracker
The ĠEMMA team is pleased to inform you that is…
A Memorandum of Understanding on the financial capability gamification concept and prototype design
The Ministry for the Family, Children’s Rights and Social Solidarity…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 12
The COVID-19 may have created money pressures for your and…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 11
The ĠEMMA Team refers you to its Money Management and…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 10
You may wish to note that BOV together with the…
New Resource: ĠEMMA My Net Worth Calculator
The ĠEMMA team has uploaded a new calculator – the…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 9
How to stay safe from scams during COVID-19 This article…
COVID-19 AND YOUR MONEY MANAGEMENT: POST 8
To download the guidebook, please click here. We are living…
Moratorium on Loans and other Credit Facilities
You are to note that the government has issued instructions…
COVID-19 – Medical Benefit
Eligibility criteria – Persons employed in the Maltese private sector …
COVID-19 – Person with Disability Benefit
Eligibility criteria – Persons with disability **, employed in the…
COVID-19 – Parent Benefit
Eligibility criteria – Parents employed in the private sector, with…
COVID-19 – Additional Unemployment Benefit if You have Lost your Job
Has the COVID-19 situation since 8th March 2020 resulted in…
COVID-19 and Your Money Management: Post 7
Whether you are self-employed or a company the Government is…
COVID-19 and Your Money Management: Post 6
The Government has introduced a scheme that allows you to…
COVID-19 and Your Money Management: Post 5
The most important measure that you need to take at…
COVID-19 and Your Money Management: Post 4
The Banks have issued a number of measures to ease…
COVID-19 and Your Money Management: Post 3
In situations like this, loan sharks will target you. They…
COVID-19 and Your Money Management: Post 1
As the entire world anxiously monitors and battles the spread…
Financial Capability as a Life Skill for Teenagers
One of ĠEMMA’s strategic thrusts is that of working with…
Postponed – Enhancing Financial Capability Through Research-Driven Communication
Register Now A half day seminar! ĠEMMA, within the Office…
Low Income Employed Persons
Last year, ĠEMMA launched a long term financial education campaign…
Does it Serve Me to Invest in a Vocational Occupational Retirement Pension Scheme (VORPS)?
Employee turnover costs can have a significant impact on your…
Understanding VORPS
The Voluntary Occupational Retirement Pension Scheme (VORPS)download our presentation now…
Personal Private Pension – What Will Your Retirement Look Like?
download, read and shareWhat will your retirement look like? Most…
BREXIT and Social Security Provisions until 31.12.2020
Find Out How This Might Affect You EU citizens arriving…
The Guaranteed National Minimum Level ( GNML) of Pension
It was initially benchmarked to 60% of the National Median…
ĠEMMA FTIT, an Interactive Play on Financial Capability
ĠEMMA Ftit play at Għajnsielem Primary Financial capability is an…
Level 3 Accredited Programme on Financial Literacy
Financial Literacy Accredited Course at the Malta College for Arts,…
DEFICIENCY CONTRIBUTION BONUS – DCB – 2020
Applicable to those non-pensioners who would have reached state pension…
In-Work Benefit – Employment related benefit – Year 2020
Targeted towards families having an annual income from a gainful…
Self-Employed Start-Up – Part 1
Going self-employed in Malta – Wondering from where to start?…
The Percentage Increase Measure – Working beyond age 61
Although the 2007 pension reforms increased the retirement age as…
How much do you pay in Social Security Contributions?
What is a contribution? The social security contribution is also…
Financial Literacy Accredited Course
Financial Literacy Accredited Course at the Malta College for Arts,…
Some resolutions from GEMMA to you for the New Year
Set aside some money from each pay to cover fixed…
5 recipes in 5 minutes, using 5 ingredients!
Click, watch, like us on Facebook and share! Click Here…
Our first scrumptious recipe in 5 minutes, using 5 ingredients!
Click, watch, like us on Facebook and share! Click Here
MESSAGE FROM THE ĠEMMA TEAM
Spending money wisely this Christmas and the Christmases to come…
Discussing Money Management & Savings Tips – Part 2
ĠEMMA was invited on Matilde’s TV programme on PBS where…
Extension of deadline – Four Poster Competitions on Financial Capability: Year 5, Year 6, Year 7, Year 8
The Education Officer for Accounting, Business Studies and Retail within…
Discussing Money Management & Savings Tips
If you get the facts about saving and spending wisely…
Malta Budget Measures 2020
Parents who terminate their employment to care for suffering from…
What is identity theft? – Take Our Quiz
What is identity theft? This is the fraudulent practice of…
Implementing financial capability in Malta or financial literacy in Malta? What do you think?
What does financial literacy entail? What differs financial literacy to…
Credit Card – Safeguard Yourself
Vigilance is crucial so take all the precautionary steps :…
Early/Voluntary Redundancy Scheme (ERS) (VRS) – What you need to know
If you are considering terminating your employment through an early/voluntary…
Kids Getting Budget Savvy!
14 August 2019 Kids Getting Budget Savvy! HSBC Malta Foundation…
Ways To Eliminate Credit Card Debt In Less Time
Reducing Your Credit Card Debt Credit cards usually have high…
Shall You Save Or Pay Off Your Credit Card First?
You pay more money over time in credit card interest…
Credit Card – The Granting Of A Loan
You are allowed to pay for credit-card purchases in two…
Credit Card – Obtaining Goods or Services on Credit
Buy now, pay later: Goods, money, or services are given…
A Note To Readers
GEMMA.GOV.MT is an informative website on financial literacy and retirement…
Compilation of Pension whilst in Homes – Hospital
Admission into a home for the elderly The population continued…
Instant gratification
What is instant gratification? Do you struggle with instant gratification?…
The Gender Pension Gap, the retirement age, understanding the pension, and planning for the future
What David Spiteri Gingell says. David Spiteri Gingell, who has…
Children and Money Management
Informative articles of value to parents. Teaching your children -…
THE GUARANTEED NATIONAL MINIMUM LEVEL ( GNML) OF PENSION
The guaranteed national minimum level of pension (known as GNML)…
The Findings of a Survey on Financial Literacy in Malta
In November 2018, the Gemma initiative held a seminar on…
First National Financial Literacy Quiz Held
14 May 2019 First National Financial Literacy Quiz Held Conceptualised…
Active Saving and Financial Shocks – Infographic
People who build savings are also likely to be more…
The Effect of Pension Reforms on Retirement in Malta
An interview was conducted by The Malta Independent with David…
Pension in Malta – David Spiteri Gingell
An interview was conducted by The Malta Independent with David…
Choosing and using Financial products – Infographic
This part of the research looks at how Maltese and…
The Cost of Living Allowance: How it affects your income and your pension rate.
Cost of living is the cost of maintaining a certain…
National Insurance (NI) Contributions for Self Employed in Malta
If you are a self employed individual in Malta, you…
Planning and Managing Finances – Infographic
Budgeting is widely accepted as being a valuable tool for…
Financial Knowledge – Infographic
Financial knowledge is an important component of financial literacy for…
The Start of a Two Year Retirement and Financial Capability Campaign Co-Financed by the European Social Fund
The Retirement and Financial Capability Group within the Ministry for…
In-Work Benefit – Employment related benefit – Year 2019
Targeted towards families having an annual income from a gainful…
Managing Money in a Second Marriage
Remarrying or living with a new partner or spouse often…
Attitudes and Behaviour Part #2 – Infographic
Actions and behaviour of Maltese and Gozitan persons are what…
Financial Capability rebrands to Ġemma – Know, Plan, Act.
The 2017-2019 Strategy for Retirement and Financial Capability was approved…
Attitudes and Behaviour Part #1 – Infographic
Actions and behaviour of Maltese and Gozitan persons are what…
OECD survey on financial literacy in Malta
The Retirement and Financial Capability Group carried out a research…
Money and Mental Health – what research say
In 2016, the Money and Mental Health Policy Institute, UK…
Our Festive Season Calculator
Every day, we make decisions that affect our financial performance.…
Impact of Poor Mental Well Being on Your Ability to Manage Your Money
There is a link between having money problems and poor…
Obtaining and Managing a Loan
Loans are an effective financial tool that helps you achieve…
Teaching your children 9 to 11 years
Talk about bills and where money goes. Explain ways to…
Are you working in Malta? Are you a Third Country National Citizen? What are your Social Security Pension Rights?
If you are a Third Country National Citizen working in…
Maltese Social Security Benefits
The term social security benefits refers to various benefits (contributory…
Right to credits for the calculation of your pension income
First and foremost, credits are credited contributions by the government…
Teaching your children 5 to 6 years
Through Saving At the Shops Through Adverts Through Saving o…
Benefits of working beyond 61 years of age
Claiming a pension at state pension age (as per new…
Teaching your children 3 to 4 years
Through play Around the House Before you go shopping At…
Maltese people paying social security contributions in Malta while working abroad
Maltese persons who maintain an ordinary residence in Malta…
Inflation : what is this complex word about?
Prices increase (inflation) and thus everybody would want their incomes…
Let’s help the vulnerable become financially capable – A level 3 Qualification!
Under the European Social Fund project titled ‘Knowledge, Training, Communications…
& here we go… more easy tips to save money on a back-to-school list
By now, you would have surely read our first post…
Tips to Save Money on Back to School list
When you decide to save money, you have taken the…
Spending behaviour survey
Our spending behaviour survey carried out on facebook is complete.…
Fraud Prevention
Better safe than sorry, Become well-informed: General fraud prevention tips…
The Organisation and Structure – Our Role
Students are often wearied by their long years in school,…
Saving? Retirement in Malta? Click here
Through this post, we are listing down some of our…
In-Work Benefit – Employment related benefit – Year 2018
…for families with an annual income from a gainful occupation…
Retirement Calculator – Planning Financially
Part of a superb series of calculators designed to provide…
Assessment of Benefit Claims and the new Pensions Reform
Assessment of Benefit Claims Department of Social Security (DSS) employees…
Separating or Divorcing – dividing your finances and property
In a divorce or separation you will have to divide…
Separating or Divorcing Your Spouse or Partner
Separating or divorcing is an enormous transition that can be…
Your Credit Card and Your Credit Card Debt
Debit cards Debit cards offer the convenience of a credit…
Budget Planner : Read Think Use Reflect
Saving Money You save money because you: Want to buy…
Our Budget Planning presentation
The Budget planning presentation highlights some useful tips how to…
In the middle of the Christmas Shopping spree
Since you have put your thoughts on paper, budgeted and…
Vulnerabilities as You become Older
Although there is no data available with regard to Malta,…
Spending money wisely – continued – More useful hints and tips
As explained in our previous communication, budgeting and spending is…
Spending money wisely this Christmas and for the Christmases to come
Most of us are filled with enthusiasm as Christmas approaches,…
Being in a Relationship
Entering and being in relationships brings new opportunities to build…
