
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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Beware the savings tax trap: millions of savers face paying tax on their interest
Advice More than two million people face paying tax on their cash savings, up from about 650,000 three years ago. We outline clever ways to shelter your cash from the taxman
By Ruth Emery Last updated
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St James’s Place confirms new fees – what it means for customers
The UK’s largest wealth manager is replacing its “opaque” and “complex” pricing structure. We explain the new charges, and when they will kick in
By Ruth Emery Published
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How to get an ISA and SIPP cashback bonus
Tips Here are the best pension and ISA transfer offers, with some providers giving away as much as £2,000 in cashback for opening or transferring an account
By Ruth Emery Last updated
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Workplace pension schemes: how do defined benefit schemes differ from defined contribution ones?
Explainer UK workplace pension schemes come in two forms: defined benefit and defined contribution. But what's the difference between them?
By Ruth Emery Last updated
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How to make your pension ethical
Advice Many people want to ensure the way they spend and invest their money has a positive impact on the planet, and that includes saving for retirement. But how do you make your pension as ethical as possible?
By Ruth Emery Last updated
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Rachel Reeves announces permanent 95% mortgage guarantee scheme
Mortgages offered through the scheme will mean first-time buyers and home movers can buy a home with a deposit of just 5%
By Ruth Emery Last updated
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Did you get the £100 Nationwide bonus? Here’s how to check
Nationwide finished paying its £100 Fairer Share bonus last week. We explain what to do if you didn’t get it but think you’re eligible
By Ruth Emery Last updated
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Thousands of estates are sitting unclaimed in the UK – is your family name on the list?
More than 5,700 unclaimed estates are on a government list waiting to be found by living relatives. We take a look at the list, and explain how to make a claim
By Ruth Emery Last updated
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How to earn over 4% on your cash… using a stocks and shares ISA
Savers worried about a potential cut to the cash ISA limit could shield their money from the taxman using a money market fund in a stocks and shares ISA. We explain how
By Ruth Emery Published
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City bosses call for stamp duty on shares to be scrapped to save UK stock market
Hargreaves Lansdown, IG, AJ Bell, Bestinvest and Interactive Investor - along with business lobby group CBI - are calling on the government to take urgent action to encourage people to invest in the UK stock market
By Ruth Emery Last updated
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How much state pension will I get?
There are several things that determine how much state pension you'll get when you hit state pension age. Here's how to work out your entitlement
By Ruth Emery Last updated
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Will mortgage rates fall this year?
Mortgage rates have tumbled over the past few months. 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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Best investing apps
Looking for an easy-to-use app to help you start investing, keep track of your portfolio or make trades on the go? We round up the best investing apps
By Ruth Emery Last updated
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Inheritance tax refunds: how to claim money back if asset prices fall
Families make 18,000 reclaims for overpaid inheritance tax in three years, often due to a decline in property prices. We explain how to claim an IHT refund
By Ruth Emery Last updated
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M&S confirms when retailer will be “fully online” again
Online shopping at Marks & Spencer is expected to be "fully on" soon as it recovers from a cyber attack. Should you invest in the retailer?
By Ruth Emery Last updated
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What is the Ofgem energy price cap and what does it mean for your bills?
Energy bills fell by 7% on 1 July when the new Ofgem price cap came into effect. What exactly is the cap?
By Ruth Emery Last updated
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What Santander’s takeover of TSB means for customers
Santander is set to buy rival TSB for £2.65 billion. What does it mean for customers, and could we see the TSB brand disappear from the high street?
By Ruth Emery Published
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IFS: Ditch the triple lock and promise never to means-test the state pension
As part of a blueprint to make us richer in retirement, the Institute for Fiscal Studies is urging the government to reform the state pension and hike pension contributions for high earners
By Ruth Emery Published
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Will gas and electricity bills fall? 2025 energy price forecast
UK energy prices dropped by 7% on 1 July after the latest price cap came into effect, reducing bills for those on a variable rate tariff. Will bills rise or fall in the Autumn?
By Ruth Emery Last updated
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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
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Nationwide: House prices see biggest monthly fall in over two years
UK house prices dropped by 0.8% in June, according to Nationwide. We reveal the top-performing and worst-performing regions
By Ruth Emery Published
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The “wait-and-see” savings mistake to avoid: Savers urged to fix now and earn £624 extra interest
Some savers are waiting for savings rates to rise before moving to a fixed-rate account. But this could cost you hundreds
By Ruth Emery Last updated
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Annuity rates hit a record for the decade – is now a good time to buy an annuity?
Annuity rates have increased 10% since May 2024, part of an upward trend, while sales of the pension product are also soaring. Should you buy an annuity?
By Ruth Emery Last updated
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Chase UK launches first credit card – how does it compare?
Chase UK customers can now apply for the bank’s first ever credit card. Will it be as popular and competitive as Chase’s current and savings accounts? We have all the details
By Ruth Emery Last updated