Ruth Emery
Ruth is an award-winning financial journalist with more than 15 years' experience of working on national newspapers, websites and specialist magazines.
She is passionate about helping people feel more confident about their finances. She was previously editor of Times Money Mentor, and prior to that was deputy Money editor at The Sunday Times.
A multi-award winning journalist, Ruth started her career on a pensions magazine at the FT Group, and has also worked at Money Observer and Money Advice Service.
Outside of work, she is a mum to two young children, while also serving as a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
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What is inflation and how does it affect you?
Although we are past the worst of the cost-of-living crisis, inflation fears are heating up again. What is inflation and how does it impact your personal finances?
By Ruth Emery Last updated
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Annuity rates rise 7% - is now a good time to buy an annuity?
Advice Annuities have increased in value over the past year, but incomes could fall if interest rates are cut again. Should you buy an annuity?
By Ruth Emery Last updated
Advice -
Are you eligible for a £25 cold weather payment?
As temperatures drop and the cold spell continues, some people are receiving money from the Department for Work and Pensions (DWP). We explain who qualifies for a cold weather payment and how to check if a payment is due
By Ruth Emery Published
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How to get an ISA and SIPP cashback bonus
Tips Here are the best deals available, with some providers giving away as much as £5,000 in cashback for opening or transferring an account
By Ruth Emery Last updated
Tips -
Are you missing out on Pension Credit? How to claim the benefit worth £3,900 a year on average
News Eight in 10 pensioner homeowners failed to claim any of the benefits they were eligible to receive last year. We explain who qualifies for Pension Credit and how to apply
By Ruth Emery Last updated
News -
How much should I pay into a pension?
One of the trickiest parts of retirement planning is working out how much to pay into a pension. We explore what to consider when deciding how much to contribute
By Ruth Emery Published
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Waspi women pension compensation: what next for the campaign?
Waspi women pension compensation: The government has rejected calls to compensate Waspi women, arguing that most of them knew about the state pension age increase. Pressure mounts on Labour to rethink its decision
By Ruth Emery Last updated
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How are Premium Bond prize winners notified – and who is Agent Million?
As the January prize draw approaches, we look at how Premium Bond winners are notified and how the winnings get paid. Plus, who is Agent Million?
By Ruth Emery Last updated
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Ovo Energy, British Gas, EDF: which are the best and worst energy suppliers?
Which energy firms are the best and worst for customer service? Citizens Advice has ranked 16 suppliers - which one has been crowned the best and which one is the worst?
By Ruth Emery Last updated
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10 benefits and perks you might be able to get when you retire
The Winter Fuel Payment has been scrapped for millions of pensioners, but you may be eligible for other benefits in retirement. We outline 10 pensioner perks – from council tax reductions to a free TV licence and prescriptions
By Ruth Emery Last updated
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Key pension changes in 2025
There are several big changes to pensions in 2025. Here’s what you need to know, from the state pension and pension dashboards to preparing for an inheritance tax hike
By Ruth Emery Published
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My 8% Nationwide regular saver has matured - what are my options?
The building society’s popular 8% account is maturing for many savers. Should you stick with Nationwide or move to a competitor?
By Ruth Emery Last updated
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Star Wars Lego, Barbie and My Little Pony - the vintage toys worth £1000s
It's time to check the attic and dust off that old Barbie doll or the Star Wars Lego - they could fetch you thousands.
By Ruth Emery Published
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Vanguard to bring in £4 minimum monthly fee - is it still a cheap deal?
Vanguard is overhauling its charges, with DIY investors set to pay more from January. How will the fees compare to its rivals, and what should customers do?
By Ruth Emery Published
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Chancellor opens 100th banking hub - is there one near you?
Chancellor Rachel Reeves and Treasury minister Tulip Siddiq have opened the 100th banking hub in Darwen, Lancashire, in response to bank branch closures in the town
By Ruth Emery Published
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RICS: Housing market continues to strengthen but 2025 could be challenging
The latest survey by the Royal Institution of Chartered Surveyors reports a resilient UK housing market, but warns of headwinds next year
By Ruth Emery Published
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Is an inflation-linked annuity or a level annuity better value?
What makes more sense as a retirement plan: an inflation-linked annuity or a level annuity?
By Ruth Emery Last updated
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Car finance victims told to complain to get compensation
The Financial Conduct Authority says customers should complain if they felt they were mis-sold, after MPs warned that the car loan scandal will take a long time to resolve
By Ruth Emery Last updated
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What is the pension lifetime allowance?
Analysis The lifetime allowance was scrapped by the previous government, but Labour has previously hinted that it would resurrect it. We explain how the pension lifetime allowance works - and whether it could make a comeback
By Ruth Emery Last updated
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Will energy prices fall in 2025?
UK energy prices will rise by another 1.2% from January, according to the latest Ofgem price cap announcement. But will energy prices fall later in 2025?
By Ruth Emery Last updated
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Will mortgage rates fall next year?
Advice Mortgage rates have risen and fallen over the past few months, keeping homebuyers and remortgage customers on their toes. With some lenders cutting deals again, what does the future hold for mortgage rates?
By Ruth Emery Last updated
Advice -
Key money dates for 2025
As we approach 2025, it's time to think about the big money changes that could affect your financial health. We run through the key dates in 2025 for managing your money
By Ruth Emery Last updated
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How to boost your pension by £33,000 by paying it an annual Christmas bonus
Contributing an extra £400 into your pension pot this festive period will give the gift of compound interest and should make your retirement feel more jolly and bright
By Ruth Emery Published
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Mortgage warning: Surge in “ultra-long” home loans that run past state pension age even as rates are falling
One million homeowners have taken out mortgages that they will still be paying off in retirement even as rates drop. We take a close look at the figures - plus, how to make your mortgage more affordable.
By Ruth Emery Last updated