
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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State pension age review launched – could it rise faster in future?
The government has announced a review of the state pension age, after it warned of a “retirement crisis” and revived the Pensions Commission to boost pension savings
By Ruth Emery Published
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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
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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
Advice -
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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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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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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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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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
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How to claim compensation for travel delays
As families start to jet off for their summer holidays, new data reveals that almost 26,700 flights were cancelled in the UK last year. What compensation can you get if your flight is cancelled or delayed?
By Ruth Emery Last updated
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Waspi women: threat of ‘financial ruin’ removed in judicial review case
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 whether they might finally receive some money.
By Ruth Emery Last updated
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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 Last updated
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Best junior stocks and shares ISAs
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 ISAs
By Ruth Emery Last updated
Advice -
£150 off energy bills: millions more to get discount this winter
The expansion of the Warm Home Discount scheme follows a government U-turn on the Winter Fuel Payment. We explain who will get the £150 discount
By Ruth Emery Published
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Number of million-pound homes for sale doubles since 2019 – which UK areas have seen biggest increase?
Just over 5% of homes for sale across Britain are now priced at more than £1 million, versus just under 3% in 2019. Which areas of the country boast the most million-pound properties?
By Ruth Emery Published
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Annual house price growth halves to 3.5% – ONS
Average UK house prices rose by just 3.5% in the 12 months to April, as stamp duty changes deterred buyers. What’s the outlook for the rest of 2025?
By Ruth Emery Published