First and foremost, your very first step towards improving your financial capability is a reflection of your present situation. Questions that will help you think How much effort are you putting in managing your own money? Are you keeping track of what you are spending in a day, week, or month? Do you…
Going self-employed in Malta – As you have seen (click here to read our previous post about self/employed part 1), there are a number of issues to take into account prior you start working for yourself, (also known as freelance) or prior to becoming owner of your own business. Part (1) provided you with valuable…
Going self-employed in Malta – Wondering from where to start? What steps to take? What applications to submit? ĠEMMA has got a guide — Self-Employed Start-Up — divided into two parts to enable you to understand the key steps to start up your own business in Malta Jobs+ You need to register with Jobs+ (formerly…
A big transition. Having a baby is one of the most exciting experiences, yet it changes your priorities. A baby requires commitment: It involves lots of hard work from the moment the baby is born. It involves financial costs, time, dedication and will impact you in practically every area of your life. In fact, children’s’ needs…
Your wedding is one of the happiest days of your life. In addition, weddings in Malta are a major social event, traditionally paid for by the bride’s father. Whoever is paying for the wedding, make sure that you spend on your wedding what you truly can afford. Have a discussion with your partner, and your…
We have been researching games and we came across this brilliant budget game – https://natwest.mymoneysense.com/students/students-8-12/the-budget-game/ If you are a teenager, you will love this NatWest Budget Game. Get yourself playing and you will surely get better with money management. Download our guidebook for free.
What is instant gratification? Do you struggle with instant gratification? Why do you suffer from instant gratification? What can be done? What is instant gratification? Instant gratification is the desire to experience pleasure or fulfillment now without any delay. It is the opposite of what we have been taught – that of trying hard to…
Set a monthly budget for your expenses. Find a job to learn the value of earning for a living. Separate savings money from spending money. Learn the difference between a debit card and a credit card. Prioritise the things you need to buy over the things you want to buy. Learn price consciousness – how…
Informative articles of value to parents. Teaching your children – 3 to 4 years5 to 6 years7 to 8 years9 to 11 years
14 May 2019 First National Financial Literacy Quiz Held Conceptualised by the Department of Accounting and Business Studies within the Directorate for Learning and Assessment Programmes (DLAP) at the Ministry for Education and Employment (MEDE) and supported by HSBC Malta Foundation as part of its Future Skills programme, the 1st edition of a national financial…
