Going abroad is a financial goal, that requires thought, planning and a travelling budget. It is not just buying a flight ticket and placing a deposit on accommodation. There is much more to it. Do you need a checklist? Do you need a calculator to plan? Make the most of your abroad experience! Get our…
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…
Where is your money going Month to Month? Identify where your money is going on a day-to-day basis. Then, the next step is to look where your money is going on a month-to-month basis. Categories weekly basics (like food, groceries, toiletries) insurance (like home, motor, life insurance, car registration.) utilities (Internet and telephony, electricity, water)…
… often passed on by means of a legal document called a will or testament. A will does not take effect until the testator’s death, and it can be cancelled or altered until then. Provisions of a will signed prior date of death state the wishes of the deceased regarding the disposition of his or…
In November 2018, the Gemma initiative held a seminar on the findings of a survey on financial literacy in Malta. The survey was based on the OECD / INFE financial education Toolkit. The survey is one of the initiatives co-financed under the ESF 2.69 project on addressing vulnerable people and professionals working with vulnerable people.…
Going abroad is a financial goal, that requires thought, planning and a travelling budget. It is not just buying a flight ticket and placing a deposit on accommodation. There is much more to it. Click on below links to download our guide and calculator to plan, achieve and make the most of your abroad experience!…
What is Phishing? Phishing… fishing for information We live in a world where people buy more online, are consistently online doing e-banking, e-bills payment, e-shopping, and sharing personal information. The result is that they leave a digital footprint behind. A digital footprint that allows cyber thieves to get to your personal financial information – and,…
Cost of living is the cost of maintaining a certain standard of living. Changes in the cost of living, over time, are often reflected in a cost of living index. In Malta, cost of living calculations are based on the prices of 40 products including food, water and electricity, clothing, etc. which are monitored to…
What is a budget? A budget is a written plan that helps you know how much money you have coming in, what you need to spend it on and how much can be saved. It helps you keep track your spending patterns. Making a list of all your expenses, you can then compare it against…
