Economics and Finance Archives - Museo del Risparmio

Economics and Finance

Quanto costa crescere un figlio? — Raising a child is one of the most motivating experiences for a family, but also one of the most demanding from an economic point of view. In a context where families have to face increasingly high expenses, being informed and planning becomes essential to tackle this challenge with greater ...

How much does it cost to raise a child? What you need to know and how to be best prepared

in Economics and Finance

cosa sono i dazi — Customs duties have existed for centuries and are economic tools used by States to control trade. Born as taxes on imported goods, they aimed to protect local economies and increase public revenues. After the Second World War, many countries began to favor free trade, gradually reducing these barriers thanks ...

Customs Duties: What They Are and What They Are For

in Economics and Finance

Buying a house is one of the most important decisions in life, but also one of the most demanding from a financial standpoint. The decision between renting and buying with a mortgage depends on several factors: available resources, personal goals, and financial stability. In any case, it is essential ...

Mortgage: How It Works

in Economics and Finance

What Is Financial Stress? Financial stress is a state of psychological distress linked to economic uncertainty and money management. It can arise in various situations, from the fear of not being able to cover monthly expenses to anxiety about future job stability. Having financial stability certainly contributes to a ...

Financial Stress: Effects, Causes, and Strategies to Overcome It

in Economics and Finance

Schema Ponzi cos'è — Financial scams have always existed, but few are as famous and widespread as the Ponzi Scheme. Even today, thousands of people fall victim to promises of easy profits without realizing they are involved in a fraudulent system destined to collapse. But what exactly is a Ponzi scheme? What is ...

Ponzi Scheme: What It Is, How It Works, and How to Avoid It

in Economics and Finance

Cos’è lo spread — What is the spread? Have you ever wondered what the spread is? Let’s try to explain it to you in an easy way. Imagine that countries are like people who borrow money. When a country needs money, it can ask for a loan from those who have money available ...

The spread explained simply: what it is and why it matters.

in Economics and Finance

Giornata internazionale delle donne nella scienza — International Day of Women and Girls in Science: History and Impact The International Day of Women and Girls in Science was established on December 22, 2015, by the United Nations General Assembly, recognizing the fundamental role that women and girls play in science and technology. This day aims to ...

International Day of Women and Girls in Science: Why It Matters

in Economics and Finance

errori finanza comportamentale — Behavioral finance is a discipline that combines economics, psychology, and sociology to study how emotions and cognitive biases influence financial decisions. Unlike traditional theories, this science analyzes how people often deviate from rationality, making mistakes that can significantly impact money management and investments. For example, if we assign more ...

Errors in Behavioral Finance: What They Are and How to Avoid Them

in Economics and Finance

Cosa sono le criptovalute — Cryptocurrencies, or crypto-assets, are a form of digital investment based on an innovative technology called blockchain. They are not currencies like the euro or the dollar, as they are neither issued nor regulated by recognized central authorities, nor are they accepted as an official means of payment or a ...

What Are Cryptocurrencies? A Simple Guide to Understanding Them

in Economics and Finance

gestione del risparmio — Managing savings is an essential skill, especially for younger generations who must face an uncertain and ever-evolving economic future. According to the Assogestioni-Censis 2024 report, 89.5% of young Italians (aged 18-34) save regularly, yet significant gaps in their economic and financial literacy remain. The Museum of Saving survey highlights ...

Young People and Savings Management: Investing in Yourself Pays Off

in Economics and Finance

Aprire Partita IVA — Registering for a VAT number is an important step for those who want to start an independent business or pursue a freelance career. However, managing finances with variable income can be challenging, especially without effective planning. Here are five practical tips to better organize your expenses and maintain financial ...

Registering for a VAT Number: Plan Your Expenses with 5 Simple Tips

in Economics and Finance

Alfabetizzazione finanziaria in Italia — Where does Italy stand on financial education? According to the results of the 2024 Edufin Index, which measures the awareness and behavior of Italians in financial and insurance matters, the level of financial literacy in Italy remains insufficient, with an average score of 56 out of 100—while the passing ...

The Impact of the Gender Gap on Financial Literacy in Italy

in Economics and Finance

violenza di genere — Gender-based violence is a widespread and multifaceted phenomenon rooted in complex social, cultural, and economic dynamics. One of the most significant contributors to its persistence in society is the ongoing condition of economic dependence experienced by many women. A lack of financial and social autonomy not only makes women ...

Gender-Based Violence: Combating It Through Women’s Economic Independence

in Economics and Finance

materie STEM — In recent years, there has been growing attention on the importance of encouraging women to pursue STEM disciplines (Science, Technology, Engineering, and Mathematics). While data shows an encouraging trend of progress, women continue to be underrepresented in these fields. Closing this gap is crucial for creating a future where ...

Women and STEM: Towards a Future of Equal Opportunities

in Economics and Finance

What Is Over-Indebtedness? Over-indebtedness refers to a financial situation where an individual or family accumulates an excessive level of debt that they are unable to repay with their available resources. The consequences can be severe, to the point of being unable to cover daily expenses. Over-indebtedness often occurs when ...

Over-Indebtedness: What It Is and How to Avoid It Through Financial Education

in Economics and Finance

Giornata Mondiale del Risparmio — World Savings Day, celebrating its 100th anniversary this October 31, is approaching and offers an excellent opportunity to reflect on the importance of an emergency fund. This fund is understood as a portion of readily available liquidity intended to cover unforeseen expenses. Such a tool is essential to protect ...

World Savings Day 2024: Why Is It Important to Have an Emergency Fund?

in Economics and Finance

donne e soldi — Asking for a salary raise is often difficult, due to fears of professional repercussions or a lack of confidence in one’s abilities. Additionally, the fact that openly discussing money is still a taboo in many contexts makes the request for better pay seem like a risky step to many—especially ...

WOMEN AND MONEY: How to Ask for a Raise – Tips for Getting the Recognition You Deserve

in Economics and Finance

Saving money doesn’t necessarily mean giving up fun. Enjoying life without emptying your wallet can be simpler than you might think.Here’s a list of practical tips to spend less without sacrificing enjoyment: Start with a Budget The first step to saving is knowing exactly how much you earn ...

Easy Saving: How to Spend Less Without Giving Up Fun

in Economics and Finance

donne e soldi — The Gender Pay Gap represents the difference between the average male salary and the average female salary for the same role and duties.This phenomenon is a key indicator of gender pay discrimination and reflects the inequalities that still persist in the labor market.It can be measured in two main ...

Women and Money: Let’s Talk About the Gender Pay Gap

in Economics and Finance

Mental accounting is a theory introduced by economist Richard Thaler that explains how we make economic decisions in our daily lives. Developed within the field of behavioral economics—a discipline that combines economics and psychology to study human financial behavior—mental accounting refers to how we manage our financial resources by ...

Money and Psychology: What is Mental Accounting and How It Influences Our Economic Decisions

in Economics and Finance

rientri — Vacations are a time for relaxation and fun, but they often leave a mark on our wallets. When returning, it’s important to organize your finances to face the coming months with peace of mind. Here are some practical tips. Start with an Expense Analysis! The first step in ...

Back-to-School Time: How to Get Your Finances Back on Track After Vacation

in Economics and Finance

materiale scolastico — The new school year is approaching, bringing with it numerous expenses for textbooks and educational materials. This year, as always, school-related costs for families are expected to be high, but in many cases, strategies for saving money can be implemented. Here are some tips. Buying textbooks? Secondhand or… ...

How to Save on School Supplies

in Economics and Finance / School

vacanze last-minute — Once again, we’ve reached August, the long-awaited vacation month: some head to the beach, some to the mountains, some travel abroad, while others prefer to stay in the “Bel Paese”. Others, however, for various reasons, have yet to make a decision. What to do in these cases if not ...

Last-minute vacations? Here’s how to save money

in Economics and Finance

giovani e educazione finanziaria — Financial education is essential for the future of young people. Being able to consciously manage money allows individuals to take control of their lives, including on an economic level. It is also important to consider that new generations, even before fully entering adulthood, are increasingly exposed to lifestyles that ...

Young People and Financial Education: Where Do We Stand in Italy?

in Economics and Finance

Organizing a wedding can be very costly financially and, although it might not be immediately obvious, it can also have an impact on the environment. However, with good planning and a bit of creativity, it is possible to celebrate the big day without spending a fortune and while being ...

How to organize a wedding with an emphasis on saving and sustainability

in Economics and Finance

Decluttering — Decluttering involves the practice of removing unnecessary or superfluous items from a space to make it more organized and functional. It can be applied to various aspects of life, such as the home, wardrobe, office, desk, and even the pantry. In addition to reducing clutter, it helps improve organization, ...

Saving with Decluttering

in Economics and Finance / Sustainability

Summer doesn’t just bring long-awaited vacations; it also heralds one of the most beloved events for shopping enthusiasts: the summer sales. The discount period generally begins on the first Saturday of July, offering a great opportunity to renew your wardrobe or indulge in a little treat before heading off ...

Summer Sales: Some Tips to Make the Most of Them

in Economics and Finance

vacanze — Every year, it’s the same story: we embark on a meticulously planned trip, confident that we’ve accounted for every detail and set an adequate budget. Yet, upon returning home, we discover we’ve spent more than expected. How can we prevent this? Here are some tips from the Museum of ...

How to Avoid Going Over Your Vacation Budget

in Economics and Finance

Soldi ed emozioni — Decisions regarding the management of our money are not dictated exclusively by numbers, technical information, and rationality. In fact, even without being aware of it, emotions play a crucial role and significantly influence our choices. Among the cognitive distortions (biases) that can affect our behavior when it comes to ...

Money and Emotions: What Is Loss Aversion Bias and Why Does It Affect Us?

in Economics and Finance

educazione finanziaria e sostenibilità — Financial education, sustainability, and youth form a trio that has always been close to the heart of the Museum of Saving. The gaps in financial education in our country remain significant. Despite some progress, there is still much ground to cover. Discussing money with adults is complicated due to ...

Financial Education and Sustainability: The Important Role of Youth

in Economics and Finance / Sustainability

inflazione — We often hear about inflation: what is it exactly, and how does it affect our everyday lives? What is Inflation? The prices of goods and services, from fuel to a haircut, change over time: they can increase, remain stable, or decrease. We speak of inflation when there is ...

Inflation Explained Simply

in Economics and Finance

spesa — In times of inflation, with the cost of living skyrocketing, saving money seems like a distant dream. Even a simple trip to the supermarket can become a source of stress and worry for an increasing number of people. Sometimes, however, it takes very little to spend less, without making ...

Five Tips for Saving on Groceries

in Economics and Finance

Most of us tend to see saving as a habit that is wise to include in our lifestyle, perhaps by making small changes to our purchasing methods, in order to enjoy, in the long run, greater financial peace of mind. After all, we at the Museum of Saving have ...

Hyperopia: What is “Savings Syndrome” and Why It Can Become a Problem?

in Economics and Finance

Come risparmiare per le vacanze — Spring has arrived, summer is in the air and, like every year, we start thinking about the next holidays! The time is approaching when we can unplug from everyday life, relax on the beach, walk in the mountains or travel and dive into new adventures. Wherever we decide to ...

How to save for the holidays

in Economics and Finance

Mutuo o affitto? — Mortgage or rent? Which is the best option? In some cases, the decision can be made based on personal or family reasons, in others the difference is made exclusively by economic issues. In fact, the choice depends on many variables and there is no one-size-fits-all answer. However, there are ...

Mortgage or rent? What is best for us?

in Economics and Finance

L’ora legale ci fa risparmiare? — Daylight saving time has arrived again this year. The hands were moved on the night between Saturday 30 and Sunday 31 March and the new time will remain in effect until the night between 26 and 27 October 2024, when we will return to solar time. What does ...

Does Daylight Saving Time Save Us Money?

in Economics and Finance

bias cognitivi — When talking about money management, we often encounter examples of heuristics, unconscious simplifications, which push us towards behaviors that are not entirely rational. With money, we are guided by instinct rather than by the brain and this is because, in part, we tend not to delve into the topic, ...

Why do certain cognitive biases make us spend more?

in Economics and Finance

diversificazione degli investimenti — The road to saving An ever-increasing number of users are searching the Internet for tips to improve their money management. A common mistake is to believe that it is enough to rely on the advice of some self-styled financial guru to learn how to balance income and expenses. In ...

Investment diversification explained with Easter eggs

in Economics and Finance

mercato libero — What is important to know In 2024, Italy will switch to the free market for electricity and gas supplies.For many years the energy sector was managed through the protected market, which included prices and supply conditions set by the national energy regulator: an approach that aimed to ensure fair ...

From the protected market to the free market for electricity and gas supplies

in Economics and Finance

Adolescenti e violenza di genere — The importance of education What is the relationship between adolescents and gender violence in our country?? To answer this question, Save The Children recently published the report “Are Girls Okay? Survey of onlife gender violence in adolescence”, carried out in collaboration with IPSOS. The term onlife, coined by the ...

Adolescents and gender violence: the situation in Italy today

in Economics and Finance

gestire i soldi — Being able to manage money can concretely improve your quality of life. How we choose to use our money profoundly influences different aspects of everyday life. A conscious control of finances can lead to a significant improvement in the well-being and level of serenity of each of us. Let’s see ...

Knowing how to manage money improves the quality of life. Here’s why

in Economics and Finance

materie scientifiche — Are scientific subjects, or STEM (science, technology, engineering and mathematics), really important for our everyday lives?We often tend to underestimate their role in everyday life while in reality, even if we do not perceive it, the applications of these materials permeate many aspects of our days, contributing significantly to ...

The role of scientific subjects in everyday life: do they really matter?

in Economics and Finance

amore e soldi — Money and love. When these two words are put together, many people’s thoughts immediately go to something incorrect, “wrong”, as if common sense refused to conceive of any link between feelings and money. For cultural reasons, money remains the devil’s dung and cannot be associated with a positive concept ...

Love and money: how to manage expenses as a couple

in Economics and Finance

acquisti compulsivi — For some, resisting compulsive buying can be a real challenge. Buying useless or superfluous objects, perhaps spending more than necessary, is a widespread behavior which, if repeated over time, makes it difficult to save and manage your money effectively. Where does this self-sabotaging behavior come from? As behavioral psychology teaches, our ...

Compulsive buying: 5 tips to avoid it

in Economics and Finance

indipendenza femminile — Female independence necessarily passes through economic autonomy. Consequently, it is difficult for a woman to be truly independent without a personal income, generally from work. Recent data indicate that in Itay female employment is very low compared to the rest of Europe and compared to male employment. In fact, ...

Work and female independence. The situation in Italy today

in Economics and Finance

Risparmiare sulle bollette — Is it possible to save on bills? 2024, which has just begun, has brought some news regarding the gas market: from 1 January, in fact, VAT returned to the ordinary regime, given that the government eliminated the benefits that had been introduced to deal with the increase in prices ...

How to save on gas, electricity and heating bills? Here are some tips

in Economics and Finance

paura di investire — Why do Italians save but not invest? The latest Consob report, the poor attitude of citizens to investing, also linked in part to the lack of economic education. In fact, the data collected shows that citizens’ financial knowledge is not yet sufficiently widespread either with respect to basic concepts ...

Fear of investing: what it depends on and how to overcome it

in Economics and Finance

nuovo anno — The new year has just arrived and with it the list of good resolutions. If saving is among your goals for 2024, we have some advice for you. Goal setting and planning Well begun is half done. First, set your financial goals clearly. Make sure they are specific, ...

A new year dedicated to saving? Where to start

in Economics and Finance

parliamo di soldi — Why is it so difficult to talk about money? Today, on the web, on TV and on social media, everything is discussed: travel, relationships, health and everything relating to the personal sphere. However, it is very rare to come across conversations about money outside of specialist channels. No one ...

Let’s talk about money! The value of financial education

in Economics and Finance

regali Natale — Christmas is coming and the rush for gifts begins. Like every year, we find ourselves spending large amounts of money trying to surprise our loved ones and especially thinking about how to make the little ones happy. We dedicate a lot of energy to searching for the perfect gift: ...

Christmas and gifts. How to keep desire alive in children

in Economics and Finance

violenza economica — Economic violence: the lesser-known side of gender violence Gender violence is so deeply rooted in our society that it can be considered structural in many contexts: among its more subtle and lesser-known forms we undoubtedly find economic violence. According to a report recently published by WeWorld and carried out ...

What is economic violence and how it manifests itself?

in Economics and Finance

black friday — Black Friday has now become part of the purchasing habits of Italians. Every year, for the occasion, almost all brands, shops and online stores launch unmissable offers: the promise of discounts that you can normally only dream of. This encourages the consumer to spend frantically, as if there were ...

Black Friday 2023: a guide to really save money

in Economics and Finance

soldi e giovani — What is the relationship between money and youth? According to several recent studies, today’s children do not seem to have much familiarity with money management. Economic skills, which appear not to be widespread in general in our country, are in fact particularly scarce in the age group between 18 ...

Money and youngsters. Three tips for kids who want to learn

in Economics and Finance

October 31st is World Savings Day: how did this anniversary arise and what do money and savings represent for Italians today? The idea of a day dedicated to the theme originated in 1924 when, in Italy, the first International Congress of Savings Banks was held, attended by delegates from ...

World Savings Day and the value of money for Italians

in Economics and Finance

soldi-felicita-denaro — Does money bring happiness? Neuroscience experts, psychologists and economists who investigate the link between money and the level of perceived well-being have been asking this for years. The psychologist Daniel Kahneman, known as the founder of behavioral economics, and the economist Angus Deaton, both awarded the Nobel Prize for ...

Does money bring happiness? Here is the answer from neuroscience

in Economics and Finance

Il risparmio spiegato ai bambini — It’s never too early to teach your children about saving. Families often prefer not to talk about money in front of their children, thinking that it is an exclusively “adult” topic. In fact, money is frequently attributed a “moral” value that it does not have. Money is neither good ...

Saving explained to children – How to teach it in the family

in Economics and Finance

Is our relationship with money affected by how our brain works? Why is saving easy for some people and not for others? What drives us towards virtuous financial behavior and what leads us to make imprudent choices or choices that are not in line with our long-term economic goals? ...

Money and Psychology. How does the brain influence our economic choices?

in Economics and Finance

anno-scolastico-come-risparmiare — The new school year has just begun, and we are already discussing the cost of books. In fact, a significant increase in the cost of school textbooks has been expected for months. A significant blow for numerous families, already affected by the price increases of recent years. What’s behind ...

New school year: why do textbooks cost so much? Some saving strategies

in Economics and Finance / School

risparmiare-pianificazione — Saving is easy. Much easier than you think. The important thing is to know how to do it. Often, saving money is part of the list of good resolutions that we make in September and abandon even before Christmas. After all, we know that saving requires a commitment that ...

Saving is easy if you know how to do it: the importance of planning

in Economics and Finance

alfabetizzazione-finanziaria-articolo — From theory to practice: how much we really know about finance Being financially literate means being able to use financial products and services in an informed manner and understanding the meaning of concepts such as diversification, risk, interest rates, inflation and the value of savings, debt and investments. These ...

Where are we with financial literacy?

in Economics and Finance

economia-comportamentale-articolo — Our choices are guided by instinct and knowledge When choosing a TV series to watch or a sport to play, when shopping, as well as when investing or saving, our decisions are not guided only by rationality. Emotions and instinct also play a fundamental role in the choices we ...

Behavioral economics: humankind is not just made of rationality

in Economics and Finance

Money is not “an adult thing” There are those who receive money for extra jobs, those who have a fixed weekly allowance, those who ask for money only in case of need. There are many ways to teach the value of money to children and teenagers and sometimes understanding ...

How to teach the value of money to children?

in Economics and Finance

Saving and investing is easier with digital services For several years, the digitalisation process has been radically changing the way we live: we can no longer do without the devices with which we book restaurants and trips, rent means of transport, make purchases and payments. Most jobs today couldn’t ...

The importance of digital tools for managing money

in Economics and Finance

gestione-soldi-famiglia-casa-articolo — From whom do we learn to manage money Money management is an important component of every family’s daily choices. Knowing how to do it well contributes to the financial stability and well-being of each member. A lesson that is learned from an early age: from the first piggy bank, ...

Money management is a family affair

in Economics and Finance

economia-circolare-titolo-articolo — The principles of the circular economy and the importance of the life cycle of products The circular economy is an increasingly discussed concept in the economic and environmental fields. Unlike the traditional linear economic model, which is based on the extraction of resources, the production of goods and the ...

Circular Economy: what is it and what are the advantages

in Economics and Finance / Sustainability

indipendenza economica donne — Financial independence is a challenge for women Achieving economic independence is among the main goals in the life of every individual, regardless of their gender. However, it is particularly relevant for women, for whom there are still many challenges to face in achieving economic autonomy. But what does it ...

Women and money: the importance of economic independence

in Economics and Finance

risparmiare e fare investimenti — Do we learn the ABCs and improve our financial knowledge? Financial education is often perceived as difficult or boring. Instead, it is a precious tool especially for daily choices. In everyday life many people find themselves in difficulty when managing their money which is often linked to the achievement ...

Save and make investments

in Economics and Finance

che cos'è l'educazione finanziaria — Financial education: what is it? And why is it so important? Financial education is that set of knowledge, skills and abilities that help you understand and manage your money in a responsible and informed way. Being financially literate means being able to understand and apply some basic financial concepts. Among ...

What is financial education

in Economics and Finance