
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: pensioners face paying £2.5 billion in tax on their interest
Savers are being urged to look at ways to shelter their cash from the taxman as the tax burden on savings escalates.
By Ruth Emery
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Green mortgages: how do they work and how much can you save?
Most high-street lenders now offer some kind of green mortgage deal. We look at who’s eligible, how to apply and the mortgage rates and cashback on offer
By Ruth Emery
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Will mortgage rates fall this year?
Average mortgage rates have climbed slightly, amid signs that lenders have become “jittery”. 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
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Why one in ten retirees are cutting back on gifting
More than one in 10 retirees plan to cut back on gifting to children and grandchildren, despite concerns we could see inheritance tax changes in the Autumn Budget
By Ruth Emery
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Best junior stocks and shares ISA platforms
Advice A junior stocks and shares ISA is a great way to save for a child tax-efficiently. But, it can be tricky deciding which investment platform to use. We reveal some of the best junior stocks and shares ISA providers
By Ruth Emery
Advice -
Halifax: House prices rose 0.3% in August, marking third increase in a row
The average UK property now costs £299,331, a new record high. But could the Autumn Budget derail the housing market?
By Ruth Emery
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Millions of retirees to miss out on state pension triple lock boost
More than 6.5 million pensioners face having some of their payment increased only with inflation next April, rather than the full triple lock
By Ruth Emery
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How much does it cost to move house?
If you're looking to relocate, you may be wondering how much it costs to move house. We breakdown the costs - everything from conveyancing, survey, removals, stamp duty, estate agent fees plus EPC
By Ruth Emery
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Average quoted car insurance premiums have dropped by 10.5% in the past 12 months – but for over 50s the long term trend is higher prices. We highlight clever tips to reduce your costs
By Ruth Emery
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Waspi women: day in court against the government confirmed
Many women born in the 1950s got a raw deal due to the rising state pension age. The “Waspi” campaign group has been lobbying for compensation for years. We outline the journey so far and explore whether they might finally receive some money.
By Ruth Emery
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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
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ISA guide: everything you need to know for the 2025/26 tax year
We explain everything you need to know about ISAs: how they work, how much you can pay in, what investments you can hold, and how to transfer one
By Ruth Emery
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When is the self-assessment tax return deadline?
If you are self-employed, rent out a property or earn income from savings or investments, you may need to complete a self-assessment tax return. We run through the deadlines you need to know about
By Ruth Emery
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Are you missing out on Pension Credit? How to claim the benefit worth £4,300 a year
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
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What is the Ofgem energy price cap and what does it mean for your bills?
The Ofgem energy price cap is set to rise in October. What exactly is the cap and how does it affect bills?
By Ruth Emery
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‘My NS&I one-year British Savings Bond is maturing – what should I do with my savings?
Thousands of savers will see their fixed-rate savings accounts mature next month. We consider whether you should stick with NS&I or move to a competitor
By Ruth Emery
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London Stock Exchange gets go-ahead to run Pisces private stock market
The Pisces market will allow investors to buy and sell shares in private companies. But how will it work, when will it launch, and who is allowed to use it?
By Ruth Emery
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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
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Could landlords face National Insurance on rental income?
The Treasury is said to be considering a tax increase for landlords in an attempt to boost revenue in Rachel Reeves’s Autumn Budget
By Ruth Emery
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Zoopla: Property tax speculation creates uncertainty for a third of home buyers
Property tax rumours could impact homes valued at over £500,000, potentially triggering a housing market slowdown, Zoopla has warned
By Ruth Emery
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Top 10 areas with the biggest inheritance tax bills – is your town on the list?
People in some of the wealthiest parts of London pay the most inheritance tax – but there are a few areas outside the capital where big bills are paid when a loved one dies
By Ruth Emery
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What happens to your pension if you retire abroad?
Holidays don’t have to end. Thousands of people leave the UK every year, many to enjoy their retirement in another country, seeking lower taxes, sun and often more affordable adventure. We look at what happens to your pension if you retire abroad.
By Ruth Emery
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Average pension pot by age
How does your pension pot compare to your peers? We delve into the data and reveal the average pension pot for different age groups
By Ruth Emery
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Could state pension age rise to 70? Review launched
The government has launched a review of the state pension age, which will consider the “merits” of automatic increases tied to life expectancy
By Ruth Emery