
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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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 transferring an account
By Ruth Emery Last updated
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London house prices to outperform rest of UK, says economist
After years of underperformance, London house prices are set to grow faster than the rest of the country, according to Capital Economics. We look at the reasons behind this forecast – and whether other experts agree
By Ruth Emery Published
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Inheritance tax to apply on pensions even if you die before age 55 – 'unbelievably unfair'
Pension savers who die before the minimum pension age will see their pots subject to inheritance tax, in addition to those above 55, the Treasury has confirmed. Experts warn this could put people off saving for retirement and “risks eroding trust in the pension system”
By Ruth Emery Published
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Norfolk or Norway? Holidays you can afford with different-sized pension pots
Many people look forward to taking more holidays when they retire. But what sort of trips could your pension buy you? We look at the holidays to match different retirement incomes
By Ruth Emery Published
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Motorists warned about scam car finance compensation calls
As the Financial Conduct Authority prepares to set up a car finance compensation scheme, it has also warned about scammers claiming to offer payouts. We look at who could be eligible for the scheme, and how to spot a scam
By Ruth Emery Last updated
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M&S finally resumes click and collect service following April’s cyber attack
Marks & Spencer has switched its click and collect service back on, and said it will now accept returns in all UK stores. As the high-street giant continues to battle with the fallout from a cyber attack 15 weeks ago, should you invest in the retailer?
By Ruth Emery Last updated
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Can you pay into someone else’s pension – and how much can you pay?
Two-thirds of savers are unaware they can put money into someone else’s pension, but contributing to a loved one’s nest egg can be a sound financial decision. We explain the rules.
By Ruth Emery Last updated
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HMRC savings tax crackdown: More workers to pay tax directly from their wages
Banks and building societies will be required to obtain National Insurance numbers from savers to make it easier for HMRC to tax those who breach their personal savings allowance
By Ruth Emery Published
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IFS: Wealthier areas set to pay more council tax under government plans
Council tax reforms could see households in wealthy areas, including London and the home counties, hit with big bill increases, according to the Institute for Fiscal Studies
By Ruth Emery Published
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Number of families using Tax-Free Childcare rises - but thousands of parents still missing out
News Only about half of Tax-Free Childcare accounts are used, while many eligible families haven’t even opened an account. Could you be missing out on help worth thousands of pounds?
By Ruth Emery Last updated
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What Santander’s takeover of TSB means for customers
Shareholders in Sabadell, TSB’s owner, have voted in favour of the £2.65 billion sale to Santander. What does it mean for customers, and could we see the TSB brand disappear from the high street?
By Ruth Emery Last updated
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Halifax: House prices rise at fastest pace since start of year
The average UK house price jumped 0.4% in July, reaching £298,237, close to a record high, new house price index data shows. Will property prices increase further this year?
By Ruth Emery Published
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Is now a good time to buy a house?
Mortgages may be getting cheaper but stamp duty costs remain a challenge for those looking to get on or move up the property ladder
By Ruth Emery Last updated
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Best investing apps – Trading 212, MoneyBox, Plum and more
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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Britain’s retirement happiness hotspots: where are the best places to retire?
We look at the top areas for retirement wellbeing, taking into account housing, health, community, nature and access to amenities. Is your town on the list?
By Ruth Emery Published
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Car finance claims: Will the chancellor stall car finance commission payouts
The Financial Conduct Authority is considering how a motor finance compensation scheme would work ahead of the court judgment but the Treasury may slam the brakes on compensation
By Ruth Emery Last updated
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What is the state pension age and when will you get yours?
Does the recently-launched State Pension Age Review mean it could rise faster in future? We look at when the age is next scheduled to go up, and whether people could have to wait until their 70s, or even 80th birthday, to claim their state pension
By Ruth Emery Last updated
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Over-50s savings accounts - what’s on offer and are they any good?
As Saga gets ready to launch an over-50 savings product with NatWest later this year, we look at what accounts for older savers are already on the market
By Ruth Emery Published
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Rents outpace mortgages with 21% rise over three years
Renters have seen a bigger increase in their monthly housing costs since 2022 than mortgaged homeowners, according to Zoopla
By Ruth Emery Published
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Government revives Pensions Commission to tackle retirement savings crisis
Almost half of working-age adults save nothing into a pension. We look at why tomorrow’s pensioners are on track to be poorer than today’s
By Ruth Emery Last updated
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Don’t miss 31 July ‘payment on account’ tax deadline
Many self-employed people have a second tax payment deadline. With an 8.25% interest charge on late payments, it’s important to pay your bill on time
By Ruth Emery Last updated
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Beware the savings tax trap: millions of savers face paying tax on their interest
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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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
Explainer