ĠEMMA - Know, Plan, Act.

ĠEMMA - Know, Plan, Act. This page is a source of education on retirement income and financial capability.

Split payments make it easier to say yes but harder to track the full picture.Buy Now Pay Later isn’t free money. It’s a...
11/08/2026

Split payments make it easier to say yes but harder to track the full picture.

Buy Now Pay Later isn’t free money. It’s a commitment that follows you after checkout.

So before you tap:

✓ Can you afford the full cost today?
✓ Do you already have other repayments running?
✓ Will future-you still thank you for this?

Is Buy Now Pay Later a good idea?
Find out here: https://gemma.gov.mt/buy-now-pay-later-is-it-a-good-idea/

06/08/2026

ĠEMMA: EP 14 - Litteriżmu Finanzjarju u Positive Parenting – Episodju 4: Żgħażagħ u Adolexxenti (Etajiet 11+)

Fl-aħħar episodju minn serje ta’ erbgħa tal-Podcast ta' ĠEMMA relatati mas-suġġett ta' litteriżmu Finanzjarju waqt it-trobbija , l-attenzjoni kienet fuq kif jinbidlu l-ispejjeż u d-dinamika tal-familja meta t-tfal jidħlu fl-età tal-adolexxenza. Il-mistiedna kienu Ruth Sciberras minn Positive Parenting Malta u Helena Holland, Direttur ta’ ĠEMMA.

Id-diskussjoni ffokat fuq spejjeż relatati mal-edukazzjoni, trasport, teknoloġija u attivitajiet soċjali, kif ukoll fuq iż-żieda fl-indipendenza taż-żgħażagħ. Ġie enfasizzat b’mod ċar li r-responsabbiltajiet finanzjarji tal-ġenituri ma jieqfux mal-età, iżda spiss ikomplu sakemm it-tfal jilħqu l-indipendenza finanzjarja tagħhom. Ġie diskuss kif il-ġenituri jistgħu jiggwidaw lil uliedhom biex jieħdu deċiżjonijiet responsabbli u jibnu drawwiet finanzjarji sodi. Ġiet enfasizzata wkoll l-importanza ta’ komunikazzjoni miftuħa dwar il-flus u kif positive parenting jgħin biex jinżamm bilanċ u benesseri fil-familja fit-tul.

Some of us are booking flights first and “sorting savings later.” Others are budgeting everything down to the last iced ...
05/08/2026

Some of us are booking flights first and “sorting savings later.” Others are budgeting everything down to the last iced coffee.

Neither approach is wrong. But understanding your financial habits can help you enjoy summer without the post-holidays regret.

Travel, festivals, days by the pool, nights out, it all adds up faster than we think.

Read more on the ĠEMMA blog.
https://gemma.gov.mt/the-generational-gap-in-financial-habits/

We are pleased to announce that the winner of the ĠEMMA Kidspreneur Competition, featured in Sagħtar, is 9-year-old Chri...
31/07/2026

We are pleased to announce that the winner of the ĠEMMA Kidspreneur Competition, featured in Sagħtar, is 9-year-old Christiana Thewma.

Christiana comes from San Lawrenz, Gozo, and attends San Lawrenz Primary School. She is passionate about cooking all kinds of sweets.

Through her drawing, Christiana illustrated her dream business, which focuses on selling a variety of ice creams and drinks. She highlighted the importance of promoting healthy products made from fresh, locally sourced ingredients, enriched with vitamins and containing natural sugars.

Congratulations, Christiana! We wish you every success in achieving your goals and turning your entrepreneurial dreams into reality.

29/07/2026

Re-adjusting the family budget for the back-to-school season is a common step for many parents. The key to navigating this transition smoothly is proactive planning.

If you haven't listened yet, explore the 12th episode of our podcast, where we discuss managing family finances for parents of young children aged 1 to 3.
https://open.spotify.com/episode/7a7cGDQ3Iaqw1joA3rp8QD?si=Rf9hiqQWTmG8ts9AM8EaYw

23/07/2026

ĠEMMA: EP 13 - Litteriżmu Finanzjarju u Positive Parenting – Episodju 3: Mit-Tfulija Bikrija sal-Pre-Adolexxenza (Etajiet 3–10)

It-tielet episodju minn serje ta’ erbgħa tal-Podcast ta' ĠEMMA, ġie diskuss kif jinbidlu l-ispejjeż u l-ħajja tal-familja meta t-tfal jkollhom bejn tlieta u għaxar snin. Il-mistiedna kienu Ruth Sciberras minn Positive Parenting Malta u Alexia Vella, Direttur Ġenerali għall-Istrateġija u l-Implimentazzjoni fi ħdan il-Ministeru għall-Politika Soċjali u d-Drittijiet tat-Tfal. Huma spjegaw kif f’dawn is-snin jiżdiedu spejjeż relatati mal-iskola, attivitajiet u passatempi, kif ukoll pressjonijiet soċjali bħal festini u rigali. Ġie enfasizzat l-importanza li l-ġenituri jibbilanċjaw bejn opportunitajiet għat-tfal u kontroll tal-ispejjeż, filwaqt li jiffukaw fuq attivitajiet sempliċi li jsaħħu l-familja. Id-diskussjoni messet ukoll kif it-tfal jistgħu jibdew jitgħallmu l-valur tal-flus u jiżviluppaw sens ta’ responsabbiltà. Fl-aħħar, ġiet enfasizzata l-importanza ta’ bilanċ bejn il-finanzi, il-ħin tal-familja u l-benesseri emozzjonali biex jinħoloq ambjent stabbli u pożittiv.

€4.99 here. €9.99 there. Another €12.99 you barely notice.On their own, subscription payments don't seem like much. Toge...
21/07/2026

€4.99 here. €9.99 there. Another €12.99 you barely notice.

On their own, subscription payments don't seem like much. Together, they can add up to hundreds of euros each year.

A quick subscription check can help you:
✓ Cut unnecessary spending
✓ Free up money for your financial goals
✓ Make sure you're only paying for what you actually use

Small habits can make a big difference to your finances.

Read more on the ĠEMMA blog.

We are pleased to announce that the winner of the ĠEMMA Imla u Pinġi Competition, featured in Sagħtarin, is Martina Farr...
21/07/2026

We are pleased to announce that the winner of the ĠEMMA Imla u Pinġi Competition, featured in Sagħtarin, is Martina Farrugia, aged 7.

Martina lives in Naxxar and attends St Joseph School, Sliema. Her artwork centred on the theme “Future” and was titled “Inħawlu llum biex jikbru għada!” (We plant today so that it can grow tomorrow!).

Through her drawing, Martina illustrated several aspirations she hopes to achieve in the future, including graduating, owning a home, and travelling. Her creative work beautifully conveyed the importance of planning ahead and working towards one’s
goals.

Through this competition, Martina learned a valuable lesson: that saving and making wise choices today can help create a brighter and more secure future tomorrow.

Congratulations, Martina! We wish you every success in reaching your goals.

Sagħtar

08/07/2026

ĠEMMA: EP 12 - Litteriżmu Finanzjarju u Positive Parenting – Episodju 2: Tfal ta’ Età Bejn Sena u Tlett Snin

F’dan it-tieni episodju minn serje ta’ erbgħa ġie diskuss kif jinbidlu l-ispejjeż u l-ħajja tal-familja meta t-tfal ikollhom, bejn sena u tlett snin. Il-mistiedna, Ruth Sciberras minn Positive Parenting Malta u Dr Marika Enriquez minn ĠEMMA - Know, Plan, Act. spjegaw kif f’din l-età jiżdiedu spejjeż relatati mas-saħħa, childcare u assenzi mix-xogħol minħabba mard komuni fit-tfal. Ġie enfasizzat l-appoġġ tal-Free Childcare Scheme u għajnuniet oħra disponibbli f’Malta. Id-diskussjoni messet ukoll il-bilanċ bejn xogħol u familja u kif il-ġenituri jistgħu jadattaw il-baġit tagħhom skont dawn il-bżonnijiet ġodda. Ġie diskuss ukoll kif wieħed jiddistingwi bejn bżonnijiet u xewqat u kif jitħejja għal spejjeż mhux mistennija, filwaqt li ġiet enfasizzata l-importanza ta’ drawwiet finanzjarji sodi għall-futur tal-familja.

Before the season gets into full swing, take a few minutes to think about what you'd like to do this summer and set a bu...
03/07/2026

Before the season gets into full swing, take a few minutes to think about what you'd like to do this summer and set a budget that works for you.

Planning ahead can help you enjoy summer without the financial stress later on.

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