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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Best and worst cities to downsize your home
Which are the best and worst towns and cities to downsize your home? Where could you save the most money? We reveal the results.
By Ruth Emery Published
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Is there an ISA boost on the way?
Jeremy Hunt is reportedly planning large-scale ISA reforms, which include merging cash and stocks and shares products, and introducing an ISA for UK investments. We have all the details.
By Ruth Emery Published
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We're financial experts and this is where we’re investing right now
Five experts share how they’re investing their cash to reach their goals. Plus they dish out some investment tips during this time of high inflation and erratic stock markets.
By Ruth Emery Published
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How to beat NS&I's market-leading 6.2% savings bond
While NS&I’s 6.2% savings rate is currently the highest one-year fixed account on the market, we look at how you could beat it with this one deal
By Ruth Emery Last updated
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Credit card providers slash 0% balance transfer deals
Customers face a double whammy of rising interest rates and shorter 0% balance transfer periods. We look at what’s going on in the credit card market and why you’ll need to act fast to get the top 0% balance transfer deal
By Ruth Emery Published
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Bank of England holds interest rates at 5.25%
The Bank has kept rates at 5.25%, ending its run of 14 consecutive increases. We look at what it means for your money - and what the Bank’s next move could be
By Ruth Emery Published
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The £1m pension problem: Why you may not get 25% tax-free cash
The pension lifetime allowance is being axed, but there is a sting in the tail. Savers with large pension pots could see their tax-free lump sum shrunk to just 10%. We explain what’s happening and what action you should take
By Ruth Emery Last updated
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Best investing apps
We round up the best investing apps. Looking for an easy-to-use app to help you start investing, keep track of your portfolio or make trades on the go?
By Ruth Emery Last updated
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ULEZ: How to make the most of the £2,000 scrappage scheme
Grants of up to £2,000 are available to all Londoners who want to scrap any car or motorcycle that is non-compliant with the Ultra Low Emission Zone (ULEZ). We explain how it works and how to apply
By Ruth Emery Last updated
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Revealed: the cheapest cities to own a home in Britain
New research reveals the cheapest cities to own a home, taking account of mortgage payments, utility bills and council tax
By Ruth Emery Published
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Aim ISAs celebrate their 10th anniversary: which stocks have performed best?
We look at how Aim ISAs work, how the alternative investment market has changed over the past decade, the most popular stocks - and which ones have performed best.
By Ruth Emery Published
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Too embarrassed to ask: what is a Ponzi scheme?
Videos The Ponzi scheme is one of the best-known types of financial fraud. Here’s how it works.
By Ruth Emery Last updated
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NS&I hikes Premium Bond prize fund rate to 24-year high
The Premium Bond prize fund rate will go up again next month, hitting its highest level since 1999. NS&I is also raising the interest rate on a range of savings products. We explain what the changes mean for you.
By Ruth Emery Published
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Bank of England raises interest rates to 5.25%
The Bank has hiked rates from 5% to 5.25%, marking the 14th increase in a row. We explain what it means for savers and homeowners - and whether more rate rises are on the horizon
By Ruth Emery Published
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Most popular stocks of 2023: AI on the up while interest in Netflix plummets
We reveal the most popular shares of 2023 so far.
By Ruth Emery Published
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Savings rates more than double in a year as challenger banks top the best buy tables
The best savings rates have doubled - and in some cases tripled - in a year, with challenger banks offering the highest rates. While they are still no match for inflation, we look at what you could be earning.
By Ruth Emery Published
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Most popular Junior ISA funds and stocks
More than £1 billion was paid into Junior ISAs during the 2020/21 tax year - we reveal the most popular funds and stocks parents are stashing their money into to build wealth for their offspring
By Ruth Emery Published
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Midlife MOT: what is it and who can get one?
The government has launched an online midlife MOT to help older workers with financial planning, health guidance and career skills. But how does it work, who can get one and would you pass it?
By Ruth Emery Published
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Santander boosts interest rates and streamlines accounts amid Consumer Duty rules
Santander is raising its interest rates and giving savers more flexibility over how they manage their accounts. We explain what’s changing, and why
By Ruth Emery Published
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Beware the savings tax trap
Advice Higher interest rates mean that many savers may exceed their savings tax allowances. We explain clever ways to shelter your cash from the taxman
By Ruth Emery Last updated
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Small pension pots to be consolidated, says DWP
Workplace pension schemes worth less than £1,000 that become “deferred” when a saver changes jobs will be consolidated under a new system
By Ruth Emery Published
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Mortgage help from today: lenders pledge more help as rates soar
Banks and building societies have agreed to offer more flexibility to homeowners struggling with rising mortgage rates. We explain what mortgage help that’s been announced
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 actually make your pension as ethical as possible?
By Ruth Emery Last updated
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Six shared banking hubs open as more branches close - where to find them
News Six banking hubs are now up and running, and aim to plug the gaps left by branch closures. We explain who can use them and if there’s one near you.
By Ruth Emery Last updated
News