You’re 18, an adult and your life and priorities are changing fast. Money is a central part of your life and so is knowing how to make and manage it. It’s easy to feel pressured to fit in – to spend like your friends or get stuff you’ve seen on TikTok. But hey, don’t fall…
Since the 10th of October is dedicated to Mental Health, ĠEMMA in collaboration with HSBC Malta Foundation and Mental Health Services decided to deliver the 5th Interactive Workshop to the community mental health service users. This workshop as were the previous 4 which consist of 4 training sessions, is aimed at helping persons living with…
A few tweaks to your every day-to-day life can reduce your carbon footprint and save you hundreds of euros this year. This is not about turning your life upside down but rather, introducing small changes for better living. Ready to give it a go? 1. Purchase reusable products Avoid buying single-use items. They end up…
Women on average will retire with significantly less money than men, according to studies conducted worldwide, and some one-third of women rely on their partner’s pension as their main source of funding in retirement. This is putting many women in a vulnerable position, especially if they were to separate or divorce – they may find…
Buying a property is perhaps one’s most significant expense in life. For most people owning a home is one of the most important goals. Others, on the other hand, view property investment as a way of generating wealth through buying with the possibility of selling at a higher price in the future or earning monthly…
Season 3 in Digital Financial Education was officially awarded on the 13th of June at the Ministry for Social Policy & Children’s Rights. The winners who are University students in their final year of their AI course were awarded two cheques of €1,500 for the 1st and €1,250 for the 2nd prize. Both were present…
Personal Finance – Managing your Money course with LifeLong Learning, part of the Essentials Life Skills category, is an 8-week experiential learning course in personal finance. The program has been developed to empower people to change or improve their relationship with money by practising good financial habits. It is a practical, interactive program designed to…
High-interest rates discourage investments due to high borrowing costs. Inflation, on the other hand, discourages people from spending as they can buy less with the same amount of money. Central banks use interest rates as a medicine to cure inflation. However, the medicine doesn’t seem to work. Even though the Federal Reserve has increased interest…
Exploring ways how to earn money is a useful activity. It is good that a person tries to become financially independent. This applies both for a person who is seeking to supplement the income from a full time job, as well when someone is on the lookout for occasional income. However it is important that…
Lawrence Zammit wrote in the Times of Malta (May 20) about poverty in Malta, quite rightly pointing out the complexity of the issues concerned but also remarking about how various governments have strengthened the social safety net and the array of social benefits that are available to many households, particularly those that are vulnerable. Putting…
