Having a Baby
A big transition. Having a baby is one of the…
Malta Budget Measures 2020
Parents who terminate their employment to care for suffering from…
Four Poster Competitions on Financial Capability: Year 5, Year 6, Year 7, Year 8
The Education Officer for Accounting, Business Studies and Retail within…
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…
Back-To-School List
An important once-a-year action -preparing wisely for the new scholastic…
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…
