When you’re starting your own business or if you’re a freelancer or small business owner, it’s tempting to use your personal bank account rather than opening a separate one.

It’s fair to say that most of us can’t wait to see the back of 2020. It’s been a challenging time, but let’s resolve to focus on the positives.

There are 405 ATMs in Malta which may not sound like a lot but is 47% more ATMs per capita than the rest of the Euro area. Malta is a small country, 27km long and 14.5km wide, in fact.

In a year that has really brought home the importance of connection, of family and friends, of kind gestures and looking out for one another, celebrating the Christmas spirit is perhaps a bit more meaningful this year. It’s a good year to take the focus away from money and spending and onto the other pleasures the season offers.

The wamo.io app is a financial management and organisation platform designed for individuals, and businesses of all sizes.

As we all get ready for a Christmas unlike any that has gone before, we at wamo find ourselves in Malta where we launched the wamo app in November. If you’re considering heading this way for the holidays we don’t blame you - there’s a lot to tempt a Christmas fan