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 the pensions dashboard?
Touted as a game-changer in how we manage our savings, the pensions dashboard initiative has been plagued by delays. Here’s what you need to know.
By Ruth Emery Last updated
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Seven ways the Budget could hike inheritance tax or capital gains tax at death
Chancellor Rachel Reeves could target death taxes by raising IHT and/or levying CGT on inheritances. We look at some potential moves in the Autumn Budget
By Ruth Emery Last updated
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Number of ISA millionaires triples in three years
The number of people with £1 million in their ISAs has tripled in three years to reach 3,180. But could next week’s Budget put an end to future ISA millionaires?
By Ruth Emery Published
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NS&I to cut Premium Bond prize rate to 4.15%
The odds of winning a prize will fall to 22,000 to 1 for the December draw, while NS&I is also slashing the rates on other savings products. We have all the details
By Ruth Emery Published
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Will Labour cut the 25% pension tax-free cash in the Autumn Budget?
The chancellor is said to be considering reducing the maximum amount of tax-free cash that pension savers can take. Should you take your money now just in case?
By Ruth Emery Last updated
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House price growth picks up pace with 2.8% annual rise
UK house prices have increased for six months in a row, according to official figures. But with mortgage rates starting to climb, and Labour’s first Budget fast approaching, could this dent buyers’ confidence?
By Ruth Emery Published
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State pension set to rise by 4.1% next April – how much could you get?
The full new state pension should increase by £473 thanks to the triple lock, bringing it to just under £12,000 a year. But this will be offset by the removal of the winter fuel payment for millions of pensioners
By Ruth Emery Last updated
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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 Published
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Will mortgage rates fall further this year?
Advice Mortgage rates have dropped in recent months - but several lenders have now started to raise their rates. What is going on with UK mortgage rates, and will they fall further this year?
By Ruth Emery Last updated
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Cash ISA subscriptions surge - but will the chancellor cap ISA benefits in the Budget?
Savers are rushing to open a cash ISA to protect themselves from any tax threats in the Autumn Budget. Could the chancellor target ISAs on 30 October?
By Ruth Emery Last updated
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How to get an ISA and SIPP cashback bonus
Tips Here are the best bonus deals available, with some providers giving away as much as £1,500 in cashback for opening or transferring an account
By Ruth Emery Last updated
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Pension Credit claims soar by 152% as retirees rush to secure the Winter Fuel Payment
News Pension Credit applications have increased 152% as retirees race to secure the Winter Fuel Payment. Here's how to apply - and the deadlines you need to know about
By Ruth Emery Last updated
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Labour Budget predictions: what could Rachel Reeves announce?
The UK’s first female chancellor, Rachel Reeves, will deliver the Labour government’s first Budget on 30 October. We look at what could be announced
By Ruth Emery Last updated
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Pension moves you should make before Labour’s Budget raid
Savers are maxing out their pension contributions while retirees are grabbing their tax-free cash amid fears of a tax raid in the Autumn Budget. We look at what you can do to prepare
By Ruth Emery Last updated
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Nationwide completes Virgin Money takeover - what does it mean for customers?
Nationwide's acquisition of Virgin Money affects one in three people in the UK. What does it mean for branches and products?
By Ruth Emery Last updated
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Frozen state pensions: thousands of expats receive just £3,000 a year
More than 450,000 pensioners who retire abroad have their state pension “frozen” when they leave the UK. Will Labour change the rules and end this “injustice”?
By Ruth Emery Published
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11 reasons you need to register for self-assessment before 5 October
There are lots of reasons why you may need to register for self-assessment. But you’ll need to act fast to meet the 5 October deadline
By Ruth Emery Last updated
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Revealed: the investment platforms that pay less than 2% interest on cash holdings
News Do you know how much interest the cash balance in your investment portfolio, ISA or pension earns? We lift the lid on the best and worst interest-payers - and what you can do about it.
By Ruth Emery Last updated
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Autumn Budget: how to protect your wealth from Labour
Keir Starmer has warned that the Budget will be "painful". We look at what you can do now to shield your money from Labour
By Ruth Emery Last updated
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Why you should write a will – and how to do it for free
Most of us haven’t written a will. But it's one of the most important things you can do for yourself and your loved ones
By Ruth Emery Last updated
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Key money dates for 2024
As we approach the end of the year, there are still plenty of important dates to be aware of that could affect your financial health. We run through the key dates in 2024 for managing your money
By Ruth Emery Last updated
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How are Premium Bond prize winners notified – and who is Agent Million?
How are Premium Bond winners notified, how do the winnings get paid and who is NS&I's Agent Million?
By Ruth Emery Last updated
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Retirees lose out on £13,000 by not shopping around for best annuity deal
Pensioners are potentially missing out on thousands of pounds worth of income in retirement by failing to shop around. We explain how to get the best annuity deal
By Ruth Emery Last updated
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ISAs vs pensions – which is better for retirement?
Advice As ISAs become more popular, it's worth comparing them against pensions in terms of which is better for saving for retirement
By Ruth Emery Last updated
Advice