Actions and behaviour of Maltese and Gozitan persons are what ultimately shape their financial situation and wellbeing, in both the short and longer-term. Some types of behaviour, such as putting off bill payment, failing to plan future expenditures or choosing financial products without shopping around, may impact negatively on an individual’s financial situation and well-being.  The research shows Maltese and Gozitan behaviour on matters such as budgeting, thinking before making a purchase, paying bills on time, and saving and borrowing to make ends meet.

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