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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Almost 2.5 million retirees will pay tax on state pension despite triple lock plus policy, says Steve Webb
The former pensions minister argues that the Conservatives’ claim that pensioners will never pay income tax on their state pension is incorrect. We look at the figures.
By Ruth Emery Published
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Bank of England holds interest rates at 5.25% again
Interest rates have been frozen at 5.25% for seven meetings in a row. Here is what it means for your money. Plus, when will interest rates finally be cut?
By Ruth Emery Published
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Will capital gains tax rise after the general election?
We take a close look at what the political parties have said about CGT. Will they raise the tax or won’t they? Could investors and homeowners be taxed more?
By Ruth Emery Published
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Conservatives predict state pension will hit £13,200 by 2029
The UK state pension will reach £13,200 by the end of the next parliament, thanks to the triple lock, according to the Tories. We look at how inflation will affect the forecasts.
By Ruth Emery Published
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How to invest like a Sipp millionaire
The number of self-invested personal pension (Sipp) millionaires has surged by 20% over the past two years, according to one investment platform. We look at how the millionaires invest, and top tips to growing your pension wealth
By Ruth Emery Published
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Star fund manager Nick Train impersonated in WhatsApp scam
A WhatsApp group claiming to be run by the Lindsell Train founder has been trying to con investors. We look at what happened - plus how to protect yourself from investment fraud
By Ruth Emery Published
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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 Published
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Labour confirms commitment to state pension triple lock - but two problems remain
Keir Starmer has promised to keep the triple lock if Labour wins the general election. We look at how the Labour pledge differs to the Conservatives’ “triple lock plus” - and why two problems still remain for Starmer
By Ruth Emery Published
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Nationwide £100 bonus: when will I get the payment?
The building society is about to start paying millions of eligible members a loyalty bonus. But how do you check if you qualify - and what should you do if you don’t receive the money?
By Ruth Emery Published
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What does a general election mean for the state pension triple lock?
The future of the state pension is a big issue for many voters. What have the political parties said about the triple lock so far, and will we see it included in any of the manifestos?
By Ruth Emery Published
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Nationwide set to pay loyalty bonus to members again
The building society paid a £100 bonus to 3.4 million customers last year. It is “hoping” to make another payment this year. We look at what could be announced.
By Ruth Emery Last updated
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Nationwide to pay £100 bonus to customers again and launches a 5.5% savings bond
The building society is making another “Fairer Share” loyalty payment to members. Plus, it’s launching an exclusive 5.5% savings bond. We have all the details
By Ruth Emery Published
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Is it time to fix your savings?
One-year savings rates are falling, and it’s widely expected that the Bank of England will cut the base rate in June or August. So, is it time to fix your savings before rates drop further?
By Ruth Emery Published
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Could inflation dip below the Bank of England’s 2% target this week?
The consultancy Capital Economics is forecasting that inflation will drop to 1.9% when April’s figures are released on Wednesday, the lowest level in three years. We look at what it could mean for interest rates.
By Ruth Emery Published
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How to sell your car for the best price
Looking to sell your car? Almost half of drivers find selling their car stressful, with many worried about getting the best price. We reveal insider tips on how to get the best possible price for your old car.
By Ruth Emery Published
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RICS: Property listings rise, but buyer demand cools
New listings are putting a spring in the step of the UK housing market – but where have the buyers gone? We delve into the latest Royal Institution of Chartered Surveyors (RICS) survey
By Ruth Emery Published
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FCA sets new sustainability labels for green investment funds - what do they mean?
The first part of the FCA's anti-greenwashing measures will launch at the end of May, while new investment labels will take effect in July. We explain how the rules work.
By Ruth Emery Last updated
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3 new pension allowances you need to know about
While many pension savers cheered when the lifetime allowance was axed, three new pension allowances have come into force instead, affecting tax-free cash and death benefits. We explain how they work.
By Ruth Emery Published
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6 money changes to watch out for in May
A raft of changes could affect your wallet this month, from prescription fees going up to interest rates being cut. We explain everything you need to know.
By Ruth Emery Published
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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
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State pension errors: DWP urged to check for mistakes among divorced people
Former pensions minister Steve Webb says there are a high number of divorced women on low state pensions. Now MPs want the DWP to check if there were any errors in “potentially underpaying men and women who are divorced”.
By Ruth Emery Published
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Revealed: the countries with the most generous pensions
The UK state pension is often criticised for failing to deliver a comfortable retirement. So, how does our pension system compare to other countries - which countries are most generous, and at what age can you claim a state pension?
By Ruth Emery Published
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Stop inheritance tax perk on pensions, says IFS
The government could raise billions of pounds in revenue by closing inheritance tax loopholes, such as on pensions and AIM shares. Is your pension at risk?
By Ruth Emery Published
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First-edition vintage books worth up to £140,000 – is one on your bookshelf?
First-edition vintage books are driving prices higher – collectors will pay up to £140k for rare editions. Is it time to dust off your old bookshelves?
By Ruth Emery Last updated