Check out GEMMA’s brand new Newsletter
The first edition of the Ġemma newsletter is now online. We encourage you to click on the image below to read the latest edition.
How to reduce and handle living costs: an Interview with Petra Ellul Mercer
The cost of day-to-day living can be stressful. Housing, utilities, and essential expenses add up quickly but there are ways and means to handle your living costs better and make your finances more manageable. We approached Petra Ellul Mercer, Financial Capability Executive at GEMMA to explore practical options and tools needed to achieve financial stability.…
Low cost easter lunch
Appetizer – Classic Devilled Eggs These devilled eggs are delicious. Top them with different combinations to keep your imagination running and your guests’ taste buds rejoicing. Our devilled eggs recipe gives you a creamy taste that no one can resist…so be warned, once you put them down on the table, they will not be there…
A special edition of the SHE Word – Let’s talk about Money
In collaboration with JA Malta, ‘The Interviewer’ Trudy Kerr is bringing a special edition of the SHE Word. This is a mini-series that is going to run over the next 12 weeks with Petra Ellul-Mercer talking about money. A topic that we all need to improve and manage better. These conversations go into different aspects…
Tips for Managing Expenses as a Working Parent
Being a working parent is the ultimate balancing act. We’re always on the go – we try our best to raise our kids well, meet our deadlines at work, and take care of our household. All while handling our finances to the best of our abilities, which let’s face it – can be a huge…
Turning 18? Kickstart your financial journey!
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…
Private Pension Plans: Key Rules
Private pension products available in Malta are governed by rules established by the Malta Financial Services Authority (MFSA). We have prepared a summary of the current rules & tax measure incentives on private pension plans: Your contributions towards a private pension plan are eligible for a tax credit of 25%, up to a maximum set…
Protect your Social Security Benefits from Garnishment (Sekwestru)
By virtue of the amendment to Article 381 of the Code of Organisation and Civil Procedure, Cap.12. of the Laws of Malta, a garnishee order cannot be issued on: benefits pensions allowances aid as referred to in the Social Security Act (Cap.381.), nor on private pension other pensions benefits allowances issued by the Government (local…
Saving for a Rainy Day!
Let’s just assume for a second that you are managing your income, budget, and mapping out all your spendings and expenses every month. You’ve got your ‘planned’ expenses such as insurances, memberships, subscriptions, meals etc. covered. If, however, your car suddenly breaks down or your laptop doesn’t switch back on – would you have enough…
Saving Money Tips
“Why can’t I save money?” is probably one of the most asked questions to date. What is holding you back? Let’s break it down, shall we? Reason #1 You do not live on a budget. Without tracking where your money is going, you will end up dry by the end of the month with no…