
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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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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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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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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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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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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State pension errors: HMRC contacts thousands of women over missing payments
News HMRC has sent out 325,000 letters so far. The average underpayment is £5,400 - could you be affected?
By Ruth Emery Last updated
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How to set up a pension if you're self-employed
Features Three-quarters of self-employed workers are not paying into a pension, meaning millions of people could be woefully unprepared for retirement. We explain the different pension options and reveal the best providers
By Ruth Emery Last updated
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Will Labour raise the state pension age?
A government in need of cutting expenditure could be tempted to hike the state pension age. We look at whether it could rise higher and faster than currently planned
By Ruth Emery Published
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Make higher earners pay more into their pensions, says IFS
The think tank warns that up to 40% of employees are not saving enough for retirement - and says middle and higher earners should contribute more to their pensions
By Ruth Emery Published
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Major lenders reduce time window to lock in new mortgage deal - are you affected?
Mortgage customers now have less time to select a new mortgage rate when their current deal expires. We have all the details
By Ruth Emery Published
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RICS: Buyer demand and sales surge - but how could the Budget affect the housing market?
The Royal Institute of Chartered Surveyors reports a positive shift in the UK property market, but adds that next month’s Budget is “keeping the mood in check”
By Ruth Emery Published
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Retiring abroad: What to consider, from tax to pensions
The high cost of living makes many people consider retiring abroad. We look at what you need to consider, including tax and pensions.
By Ruth Emery Last updated
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NS&I cuts interest rates on British Savings Bonds
NS&I has reduced the rates on its two-year, three-year and five-year fixed-term savings accounts. Could a cut to the Premium Bond prize rate be next?
By Ruth Emery Published
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State pension will rise by £460 in April wage data suggests
Triple lock will result in an above average rise in pension payments next year after wages increased by 4%
By Chris Newlands Published
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Why raising capital gains tax could reduce revenue for the government
A hike in CGT is predicted in next month’s Budget, but such a move could lower the amount of tax raked in by the government. We look at why this could happen
By Ruth Emery Published
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Will Labour introduce a retirement tax?
Rishi Sunak said a Labour government would subject the state pension "to a retirement tax”. Is this claim true? And what else could Labour do to pensions?
By Ruth Emery Last updated
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Parents face 5% premium on properties near top primary schools
Figures show that parents are paying an extra £21,215 to buy a home in their preferred catchment area - and the private school fees hike could increase the premium further
By Ruth Emery Published
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Credit card providers slash 0% balance transfer deals
Customers face a double whammy of record-high APRs and shorter 0% balance transfer periods. We look at what’s going on in the credit card market
By Ruth Emery Last updated