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People who build savings are also likely to be more resilient to financial shocks and better able to meet financial goals.  This part of the research looks at how Maltese and Gozitans behaved over the past 12 months vis-a-vis how they smoothed their income and expenditure flows, thus supporting their budgeting behaviour.

This part of the research looks at how Maltese and Gozitans make a choice with regard to a financial product or service; and the choice they made.

This part of the research looks at how Maltese and Gozitans plan for their retirement – to complement their social security pension income in order to enjoy during retirement a quality of life that is equal to that enjoyed whilst in employment.

Budgeting is widely accepted as being a valuable tool for money management and a component of financial literacy.  This section looks at how Maltese and Gozitans go about their day to day financial planning competencies relating to creating and using a budget and managing income and expenditure, as well as longer term planning competencies such…

Financial knowledge is an important component of financial literacy for individuals, to help them compare financial products and services and make appropriate, well-informed financial decisions. This part of the research assesses the extent of Maltese and Gozitans’ basic knowledge of financial concepts, and the ability to apply numeracy skills in a financial context, ensures that…

This part of the research looks at how Maltese and Gozitans have set goals and whether they have made plans for their retirement.

This part of the research looks at whether Maltese and Gozitans experienced a situation when their income does not quite cover their living costs and the strategies they used to meet such a shortfall.

Actions and behaviour of Maltese and Gozitan persons are what ultimately shape their financial situation and wellbeing, in both the short and longer-term. Some types of behaviour, such as putting off bill payment, failing to plan future expenditures or choosing financial products without shopping around, may impact negatively on an individual’s financial situation and well-being. …

Actions and behaviour of Maltese and Gozitan persons are what ultimately shape their financial situation and wellbeing, in both the short and longer-term. Some types of behaviour, such as putting off bill payment, failing to plan future expenditures or choosing financial products without shopping around, may impact negatively on an individual’s financial situation and well-being. …