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Gemma – Know, Plan, Act.
Your trusted independent financial capability portal.
Gemma - Know, Plan, Act.


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  • Topics
    • Debt Management
    • Financial Terms & Education
    • Planning & Budgeting
    • Retirement & Pensions
      • Saving for Your Retirement
        • Changing your Financial Behaviour
        • Retirement and Compound Interest Investments
        • Retirement Income and Inflation
        • What is a private pension?
          • Buying Private Pension Retirement Products
          • Obligations of your Private Pension Retirement Product’s Provider
          • Managing Risk in a Private Pension Retirement Product
      • Your Social Security Pension
        • What is the Social Security contribution scheme?
          • Invalidity Pension
          • Retirement Pension? Age Pension? Service Pension? Second Pension? Third Pension? Let us define
          • “Self-Employed” as defined in the Social Security Act
          • Pension payment dates for 2021
          • The Cost of Living Allowance: How it affects your income and your pension rate.
        • Finding out what your Pension Income is on Retirement
        • Maltese People Working Abroad and Third Country Nationals Working In Malta
          • Maltese people paying social security contributions in Malta while working abroad
          • What are my Social Security Pension Rights as a Third Country National Citizen Working in Malta
        • Gaps in your pension contributions
          • How you can fill gaps in your pension contributions
          • Right to credits for the calculation of your pension income
        • How you can boost your pension income if you work beyond 61 years
          • The Pensions % Increase Measure
          • Employment beyond Pension age – Age 65
        • Grants and Bonuses
          • Senior Citizen Grant
          • Deficiency Contributory Bonus
          • Government Bonuses
      • Got a question? Click Here
    • Saving & Investing
  • Debt Management
    • Budget Planning – How to get it right!
    • Loans and Debt
  • Videos
    • All Videos
    • Videos: Ben Camille Stories
    • Videos: Bagitjar u Ppjanar
    • Videos: Business Masterclass
    • Videos: Media Appearances
    • Videos: Niskata
    • Videos: Prime Time
    • Videos: Recipes
    • Videos: Webinar Recordings
    • Videos: The She Word
  • Resources
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      • Budget Planner App
      • Karus
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Daily Archives: July 27, 2021

ĠEMMA’s Video Series on Budgeting – Back to School

Family, General, Managing your moneyBy ĠEMMA TeamJuly 27, 2021

This is another video we produced with the Central Bank of Malta in our budgeting series. Let me introduce the ĠEMMA family.  I am Maria.  I am Tony’s wife.  I work as an all rounder in my father’s family business.  Tony is 42 years old, a manager in large business in the services industry.  We…

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