ĠEMMA - Know, Plan, Act.

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

07/09/2026

Debt advice when you need it most - free, confidential, and independent.

The Ministry for Social Policy and the Family is proud to announce https://FlusiMalta.com, a new national service dedicated to helping individuals and families manage debt and regain financial peace of mind.

While we are putting the finishing touches on the official website, help is already available right now.

This initiative is brought to you in close collaboration with our partners: MCAST / Foundation for Social Welfare Services / Familja

👉 Stay Updated & Get Prepared:
Visit FlusiMalta.com today to sign up for updates and be among the first to receive news on resources and support as they go live.
https://FlusiMalta.com

If you've already received the school supply list, now is a good time to plan before you start shopping. Taking a few mi...
04/09/2026

If you've already received the school supply list, now is a good time to plan before you start shopping.

Taking a few minutes to check what you already have and setting a budget can help keep back-to-school costs under control.

YOUR VOICE MATTERS! Help shape Malta’s financial future.Public consultation is now open for the National Financial Capab...
03/09/2026

YOUR VOICE MATTERS! Help shape Malta’s financial future.

Public consultation is now open for the National Financial Capability Strategy 2026–2031. This initiative aims to strengthen financial literacy and support families and individuals across Malta in making informed financial decisions.

Take a few minutes to review the proposed strategy and submit your feedback online.

You can visit the link here to review the strategy and submit your feedback: https://www.gov.mt/en/publicconsultation/Pages/2026/NL-0028-2026.aspx

02/09/2026

ĠEMMA: EP 16 - Karriera u Stabbiltà Finanzjarja – Kif Insibu l-Bilanċ it-Tajjeb

Din il-ġimgħa waqt l-episodju tal-Podcast ta' ĠEMMA ġiet diskussa l-isfida li wieħed jagħżel karriera li tibbilanċja bejn passjoni u stabbiltà finanzjarja. Il-mistiedna kienu Gabriella Azzopardi Lautier u Stephanie Fenech, li qasmu l-esperjenzi u l-perspettivi tagħhom dwar kif ħafna drabi n-nies jew jiffokaw wisq fuq dak li jħobbu jew inkella fuq is-sigurtà finanzjarja biss.

Ġie enfasizzat kif dawn l-għażliet jinbidlu matul il-ħajja, speċjalment meta jidħlu responsabbiltajiet bħal familja u stil ta’ ħajja mixtieq. Id-diskussjoni messet ukoll l-influwenza tal-midja soċjali fuq l-aspettattivi finanzjarji u kif il-ġenituri jistgħu jappoġġjaw lil uliedhom f’dawn id-deċiżjonijiet. Fl-aħħar, ġiet enfasizzata l-importanza li wieħed jagħmel għażliet infurmati u flessibbli biex jinbena futur aktar bilanċjat u sostenibbli.

The back-to-school season is full of opportunities to teach children about money.Comparing the cost of stationery, decid...
01/09/2026

The back-to-school season is full of opportunities to teach children about money.

Comparing the cost of stationery, deciding between different options or sticking to a shopping list, involving children in these decisions can help them understand the value of money from an early age.

Financial capability starts with everyday conversations, and back-to-school shopping is a great place to begin.

A budget isn't about saying no to everything. It's about knowing where your money is going so you can spend with confide...
28/08/2026

A budget isn't about saying no to everything. It's about knowing where your money is going so you can spend with confidence. Small habits today can make everyday finances feel more manageable.

Read more on the ĠEMMA blog: https://gemma.gov.mt/budget-better-live-better/"

24/08/2026

F’dan il-klipp mill-podkast ta’ ĠEMMA, qed niddiskutu dawk l-ispejjeż "inviżibbli" li faċilment jaqbżu mill-baġit ta-familja bit-tfal. Snacks, trasport, pocket money, jew anke ikel speċifiku għat-tfal li jagħmlu l-isports. L-ispejjeż il-kbar bħall-uniformijiet u l-miżati tal-iskola naħsbu fihom... imma dawn l-ispejjez ta’ kuljum kemm qed jaffettwawlek il-but?

🎬 Ara l-podkast sħiħ biex tiskopri aktar dwar kif tmexxi l-finanzi tal-familja tiegħek b’mod aktar intelliġenti:

https://www.facebook.com/reel/4024777431160752

Summer hits different depending on your generation and your money mindset.For some, it’s about experiences now, worry la...
21/08/2026

Summer hits different depending on your generation and your money mindset.

For some, it’s about experiences now, worry later. For others, it’s planning ahead so the whole season doesn’t blow the budget.

The real win? Finding your balance between enjoying the moment and staying financially aware.

If you budget and reflect a little now, you'll probably stress less later.

Read more on the ĠEMMA blog.

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