Our Festive Season Calculator

Managing your money

A calculator by the financial and capability group for you to make use of, to plan expenditure during the festive season (December and January). Click here to download it for free. step 1 – Your income for December and January – Your take-home pay after taxes and social security contributions deductions. – It is highly…

MESSAGE FROM THE ĠEMMA TEAM

General

Spending money wisely this Christmas and the Christmases to come Most of us are filled with enthusiasm as Christmas approaches, starting as early as beginning of November, only to be dismayed to find that many of us would have spent a good proportion of our salary, if not all, for gift giving or partying. This…

Extension of deadline – Four Poster Competitions on Financial Capability: Year 5, Year 6, Year 7, Year 8

General

The Education Officer for Accounting, Business Studies and Retail within the Directorate for Learning and Assessment Programmes at the Ministry for Education and Employment together with the HSBC Malta Foundation and the Retirement and Financial Capability Unit within the Ministry for the Family, Children’s Rights, and Social Solidarity presents the ĠEMMA-HSBC Foundation Poster CompetitionWho is…

Discussing Money Management & Savings Tips

Managing your money

If you get the facts about saving and spending wisely and follow through with an active realistic budget an intelligent plan that prioritises expenditure and eliminates certain wants choosing one thing and forgoing another desirable behaviors informed and effective decisions getting the most from the money you have you should be able to achieve and…

Deficiency Contributory Bonus

General

Up to year 2019, applicable to those who are aged between 62 and 74 and who do not have enough Social Security Contributions to qualify for a Contributory Pension. Deficiency Contributory Bonus, also known as DCB, was a budget year 2015 measure which came into effect on 1st January 2015. Those who have paid between…