Ruth Emery
Ruth 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, a magistrate and an NHS volunteer.
Latest articles by Ruth Emery
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What is the state pension triple lock?
The triple lock gets a lot of mentions in the political arena, and millions of pensioners rely on it to boost their income each year. But how does it work exactly and could it be scrapped in future?
By Ruth Emery Last updated
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State pension gap: £2,600 shortfall to secure “basic retirement”
The state pension will rise 8.5% in April, reaching £11,502 a year. But that is still some way below the amount of money needed for a basic retirement income.
By Ruth Emery Last updated
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Thousands of pensioners to be dragged into income tax net due to state pension boost
An extra 650,000 pensioners will have to start paying income tax as a result of next April’s 8.5% state pension increase
By Ruth Emery Last updated
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Autumn Statement 2023: Triple lock to stay plus National Insurance cut. Here's what has been announced
Chancellor Jeremy Hunt says he has 110 measures to help reduce inflation, increase GDP, and get more people into work. Here's what was announced in today's Autumn Statement
By Ruth Emery Last updated
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Most affordable regions in the UK to buy a home
We look at the most affordable parts of the UK to buy a property, in terms of average salaries and the number of years needed to save for a 10% deposit.
By Ruth Emery Published
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ISA changes - what reforms are expected in the Autumn Statement?
The chancellor is expected to announce some ISA changes this week - but has apparently ruled out making the lifetime ISA more generous or flexible. We have all the details.
By Ruth Emery Last updated
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Inflation fall piles pressure on government over state pension triple lock decision. Is a 8.5% rise still on the cards?
The big drop in inflation to 4.6% raises questions over whether an 8.5% rise in the state pension will be honoured in April, as critics argue it wouldn’t be fair or sustainable.
By Ruth Emery Last updated
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Pay rises continue to outstrip inflation
UK wages grew at an annual rate of 7.7% between July and September, faster than price rises over the same period. Here’s what this means for inflation and interest rates.
By Ruth Emery Published
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Rent reforms and leasehold changes set out in King’s Speech
King Charles has confirmed plans to ban leaseholds for new houses, as well as a ban on “no-fault” evictions. But there was no sign of the widely-anticipated Pension Reform Bill, aimed at consolidating small pots and increasing investment in private equity.
By Ruth Emery Published
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Interest rates held at 5.25% again
The Bank of England has kept rates at 5.25% again, in a widely anticipated move. We look at what it means for your money - and what the Bank’s next move could be
By Ruth Emery Last updated
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Tax return deadline: act now to get your paper tax return in by 31 October
Taxpayers who file a paper self-assessment tax return have just a few days left to meet the Halloween deadline. We explain who needs to complete a tax return, common mistakes to avoid - and what to do if you miss the deadline.
By Ruth Emery Published
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Fan heater vs oil heater – which is cheaper?
When it comes to cost, which is better, fan heater vs oil heater? We put them to the test as households look to cut their energy costs.
By Ruth Emery Last updated
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Get up to £205 by opening two HSBC accounts - and you don’t need to switch
Customers opening a HSBC current account plus the Global Money Account can bag up to £205 free cash. We have all the details on how to get the cash bonus.
By Ruth Emery Published
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Topping up state pension to become easier with new online tool
Anyone looking to buy extra National Insurance contributions and boost their state pension currently has to make multiple phone calls - but a new online tool is on its way.
By Ruth Emery Published
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Savers urged to act swiftly as fixed rates start to fall
Interest rates on fixed savings accounts are starting to dip, after the Bank of England paused its series of rate hikes last month. Here’s why you need to act quickly to secure the best deals.
By Ruth Emery Published
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UK inflation holds steady at 6.7% in September
Rising fuel costs but falling food prices mean the rate of inflation is unchanged. It raises questions over how the Bank of England will act on interest rates at its next meeting.
By Ruth Emery Published
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Interactive Investor launches £5.99 a month Sipp - is it any good?
The flat-fee platform says it is leading a pension pricing shake-up. But how does it compare to other pensions on the market? We have all the details.
By Ruth Emery Last updated
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Act fast: HSBC to pull its 5.7% one-year bond
Savers have until Wednesday to apply for HSBC’s one-year fixed-rate bond. The withdrawal of the account follows NS&I’s decision to pull its market-leading one-year bonds earlier this month. We explain why you need to act fast to secure the best rates.
By Ruth Emery Last updated
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Exclusive: top one-year 6.1% fixed savings rate and £25 cashback
Act now to grab this market-leading 6.1% savings rate - plus an exclusive £25 cashback via MoneyWeek. This is a limited deal, here’s everything you need to know to get it.
By Ruth Emery Last updated
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UK economy returns to growth in August with 0.2% expansion
/economy/uk-economy-return-to-growth-O-2-percent-august The economy grew in August, despite the dreary weather, with the services sector the biggest contributor to the growth. The 0.2% boost to GDP follows a sharp fall in July
By Ruth Emery Published
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Why you need to act fast to get this 8% savings deal from Nationwide
The Building Society offers the best regular savings account on the market, at 8%. But after NS&I pulled its best-buy savings bond, could we see more providers withdrawing their top accounts?
By Ruth Emery Published
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Pension savers turn to gold investments
Investors are racing to buy gold to protect their pensions from a stock market correction and high inflation, experts say
By Ruth Emery Published
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Moneybox raises market-leading cash ISA to 5%
Savings and investing app MoneyBox has boosted the rate on its cash ISA again, hiking it from 4.75% to 5% making it one of top rates. We have all the details.
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