ĠEMMA is running a financial capability education campaign that is co-financed under the European Social Fund. The campaign is directed towards 14 different categories of persons.
![low income earners pic](https://gemma.gov.mt/wp-content/uploads/2020/08/low-income-earners-pic-1024x683.jpg)
![gemma site pic](https://gemma.gov.mt/wp-content/uploads/2020/08/gemma-site-pic-1024x444.png)
![gemma site pic 2](https://gemma.gov.mt/wp-content/uploads/2020/08/gemma-site-pic-2-1024x460.png)
As part of its, campaign ĠEMMA has launched the following Handbook titled ‘Kief tieħu ħsieb flusek jekk id-dħul tal-famila huwa baxx’ directed towards persons in low employment income.
The Handbook is in Maltese and provides guidance and tips about:
- Maintaining a balance between income and expenditure.
- Maintaining a list of your expenditure and monitoring particularly priority items.
- Earning further income.
- Social benefits one may be eligible
- Disability benefits one may be eligible for.
- Social housing benefits one may be available for.
- Legal aid.
The My ĠEMMA Budget Planner is a supporting tool used in conjunction with this Handbook.
We invite you to download and share this eBook.
![ebook pic 1](https://gemma.gov.mt/wp-content/uploads/2020/08/ebook-pic-1-1024x368.png)
![ebook pic 2](https://gemma.gov.mt/wp-content/uploads/2020/08/ebook-pic-2-1024x370.png)