
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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When will M&S take online orders again?
Shoppers have been unable to place orders on the M&S website for almost a month following a cyberattack, and the retail giant says its online services will continue to be disrupted into the summer. When will things get back to normal?
By Ruth Emery Last updated
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Chase to launch its first ever credit card next month
Chase bank has been piloting its first-ever credit card to select employees and customers since November, but will roll it out to all customers from June, MoneyWeek can reveal. While the bank has become popular for current and savings accounts, will its credit offering be just as favoured?
By Ruth Emery Published
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Six out of 10 retirees who accessed a pension didn’t use Pension Wise - how does the guidance service work?
Many pension savers don’t bother using the free government-backed service Pension Wise. So, how does it work, and could it be useful for you?
By Ruth Emery Published
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What is the Ofgem energy price cap and what does it mean for your bills?
Energy bills have risen by 6.4% this April as the new Ofgem energy price cap has come into effect. What exactly is the cap?
By Ruth Emery Last updated
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Nationwide £100 bonus payment and eligibility criteria date confirmed
Nationwide has offered a £100 Fairer Share bonus to eligible customers for two years in a row and it expects to make it again this year. The building society will announce its decision later this month, but who will get the payment?
By Ruth Emery Last updated
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Are you missing out on Pension Credit? How to claim the benefit worth up to £4,300
News The number of Pension Credit claims has soared in the past year but thousands of eligible households are still failing to apply. We explain who qualifies for Pension Credit and how to apply
By Ruth Emery Last updated
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How to do a mid-retirement MOT
You may have heard of a midlife MOT, but experts say a mid-retirement MOT is also essential to ensure your finances are on track and your pension savings last as long as you do
By Ruth Emery Published
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Heat pump rules are changing: how to reduce the cost of installation
Tips The rules around installing a heat pump will change on 29 May, making it easier for some homeowners. We look at how much a heat pump costs, how the £7,500 government grant works, and other discounts available
By Ruth Emery Last updated
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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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What happens to your pension if you retire abroad?
Thousands of wealthy individuals are leaving the UK to avoid higher taxes. We look at what happens to your pension if you retire abroad.
By Ruth Emery Last updated
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How to set up a pension if you're self-employed
Features Three-quarters of self-employed workers are not paying into a pension, meaning millions of people could be woefully unprepared for retirement. We explain the different pension options and reveal the best providers
By Ruth Emery Last updated
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How many ISAs can I have?
New ISA rules mean savers can open and pay into multiple ISAs of the same type. But is this change available to everyone? We look at how many ISAs you can have in the current tax year
By Ruth Emery Last updated
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Will mortgage rates fall this year?
Mortgage rates have tumbled to their lowest level since September 2022. Whether you're buying a home, remortgaging or a buy-to-let landlord, we look at the outlook for mortgage rates this year
By Ruth Emery Last updated
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Is now a good time to buy a house?
With mortgage rates falling, now could be a good time to buy a house
By Ruth Emery Last updated
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150 banking hubs now open across UK – is there one near you?
As the 150th banking hub opens its doors, a Post Office deal that offers basic banking services has also been extended until 2030. We explain what this means for you
By Ruth Emery Published
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Key money dates for 2025
We run through the key dates and big money changes coming up this year that could affect your financial health
By Ruth Emery Last updated
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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
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How you could cut your inheritance tax bill by £37,000
Regular gifting can reduce your inheritance tax bill by tens of thousands of pounds, new calculations show. We explain how the rules work.
By Ruth Emery Last updated
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‘I installed a heat pump in my home – here are five things I’ve learnt’
From the size and noise of a heat pump to how much it costs to run one, Ruth Emery reveals what she’s learnt after installing one in her home six months ago
By Ruth Emery Published
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What is the pensions dashboard?
Touted as a game-changer in how we manage our savings, the pensions dashboard initiative has been plagued by delays. So, what is it and when will it launch?
By Ruth Emery Last updated
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Which investments can I hold in a stocks and shares ISA – and which ones are banned?
HMRC has a list stating which investments are allowed in ISAs, but sometimes investors, and even ISA providers, get confused by the rules. Here’s what you need to know when picking your investments.
By Ruth Emery Last updated
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Investment platforms: how to avoid sub 2% interest rates on cash holdings and secure a better deal
Do you know how much interest the cash balance in your investment portfolio, ISA or Sipp earns? We lift the lid on the best and worst interest-payers – and explain what you can do about it
By Ruth Emery Last updated
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Trump's first 100 days: investment winners and losers
Donald Trump triggered a rollercoaster on the stock markets during the first 100 days of his second presidency. We look at which funds, investment trusts and sectors have performed best and worst
By Ruth Emery Published
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How are Premium Bonds prize winners notified – and who is Agent Million?
We look at how Premium Bonds winners are notified and how the winnings get paid. Plus, who is Agent Million?
By Ruth Emery Last updated