“Wow…it looks so nice”. “What a great discount”. “I must buy this one”. Such thoughts frequently pass through our mind. These feelings are normal and shared by many. As consumers we find novel products very tempting. The possibility of buying an item less than the original listed price is equally appealing. The pressure to follow…
This is one of the videos ĠEMMA produced with the Central Bank of Malta in our money matters and the family. Let me introduce the ĠEMMA family. I am Tony. I am Maria’s husband. I work as a manager in a large business in the services industry. My wife, Maria, is 40 years old and…
It is essential to understand your and your spouse’s “money personality,” as we all have a unique way how we think about money — often shaped by how we were raised as a child. And our life experiences can cause us to feel specific patterns when it comes to spending or falls into certain habits.…
ĠEMMA, the Government initiative within the Ministry for Social Justice and Solidarity, the Family and Children’s Rights and the popular PRIME TIME programme have teamed together to exhibit in a creative style the educational work that ĠEMMA has been implementing on financial capability. These short televised sessions conducted by the renowned Owen Bonnici will be…
The sooner kids are familiar with coins and notes, the quicker they will appreciate the value of money, and this can be hugely important in later life. Research suggests that a child’s money habits are largely formed by the age of seven. Once kids understand what money is, and have seen how you use it,…
ĠEMMA has once again participated in Sagħtar. In the April issue (https://saghtar.org.mt/edizzjonijiet-godda-tas-saghtar-2020-2021/) ĠEMMA’s article was directed towards showing young kids how money is counted. The article introduces and explains the Euro coins and notes used and shows how coins, notes, and notes and coins are to be counted. You can follow the article with you…
Research overseas is clear: money management is one of the top issues that teenagers grapple with. Among teenagers, budgeting was a concern, and learning how to save and how to budget amongst their biggest priorities. Why is this so? In part because financial capability education is not taught at schools. And, in part this lack…
We all practice money management, most of the time continuously, having to make the best of our financial resources. So acknowledging the skill of money management as important as learning other subjects. At times we fall into the trap of saying that our kids are too young to appreciate the value of money but children…
We are pleased to announce that ĠEMMA as from this month forms part of the Sagħtar e-magazine. ĠEMMA will definitely be present on Sagħtar till the end of the year. In its monthly slots, ĠEMMA will introduce money management concepts to children. ĠEMMA will do this by discussing a particular concept and then setting an…
Your attitude to money management is not the same across different stages of your life. Indeed your attitude to money management changes as you grow older and you assume greater life responsibilities. The stages in your life journey when it comes to money management are basically 5. The Table below presents how your attitude and…
