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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Retiring abroad: three-quarters of Brits dream of moving out of the UK
The cost of living crisis is pushing many people to consider retiring abroad, as they seek a better quality of life and lower costs. We look at what you need to consider, including tax and pensions
By Ruth Emery Published
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State pension could rise 7% to hit £11,342 next April
If the triple lock remains in place, the state pension could soar by £742 in April 2024, according to Bank of England inflation forecasts.
By Ruth Emery Published
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Bank of England hikes interest rates to 5%
The Bank has raised rates for the 13th time in a row, as it continues its battle with inflation
By Ruth Emery Published
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Premium Bond prize fund rate jumps to highest in 15 years
NS&I is hiking Premium Bond prize rates alongside rates on junior ISAs - but are the rates any good as competition on savings heat up?
By Ruth Emery Published
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Four money apps to help your cut your spending
Advice These four money apps will help you cut your bills, cancel unwanted subscriptions, grow your savings, and even file your tax return.
By Ruth Emery Last updated
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Pension dashboard delayed until 2026
News The deadline for pension schemes to connect to an online pension dashboard, allowing savers to see all their retirement pots in one place, has been pushed back again.
By Ruth Emery Last updated
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74% of women too nervous to invest
News Three in four women do not invest and are missing out on building wealth as a result, research shows.
By Ruth Emery Last updated
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Care home fees rise 10%: how to save on care costs
Tips Nursing home fees have soared by 10% over the past year, meaning the average weekly cost is now £1,176, or an eye-watering £61,152 a year. But there are ways to keep the bill down - we reveal how.
By Ruth Emery Last updated
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Holiday rip-off: Millions of travellers hit with hidden costs by using debit card abroad
Advice A family of four on a week-long trip to France could pay an extra £212 in fees by using their everyday bank card compared to the lowest-cost option, according to new research. We expose the hidden debit card fees and reveal how to get the best deal.
By Ruth Emery Published
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One in five taxpayers to pay higher rate of income tax by 2027
News Frozen income tax thresholds mean considerably more middle-earners will have to start paying higher-rate tax. We explain what you can do to avoid the fiscal drag.
By Ruth Emery Last updated
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State pension changes set to take effect this week - what it means for your money
Analysis A new tax year brings new state pension payment amounts - we look at the key 5 state pension changes you need to know about.
By Ruth Emery Last updated
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Can I avoid IHT by stuffing all my money into a pension?
Advice The ditching of the lifetime allowance could enable millions of pension savers to avoid inheritance tax. We explain how.
By Ruth Emery Published
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Budget 2023: Free childcare hours extended to children aged between nine months and two years old
News Jeremy Hunt used his Spring Budget to unveil seven childcare changes, which will essentially give parents a £6.5k boost to their finances. We explain the changes and what they really mean for parents.
By Ruth Emery Published
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Budget 2023: Pension lifetime allowance scrapped
News The cap on the amount that savers can build up in their pensions before paying extra tax has been abolished in a surprise announcement by the chancellor
By Ruth Emery Published
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How to make your child a tax-free millionaire by age 37
Tips Exclusive research for MoneyWeek reveals how funding an ISA and a pension for your child until age 18 could build up a seven-figure sum by the time they reach 37. We look at how you can make your child a tax-free millionaire.
By Ruth Emery Published
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NS&I Premium Bond prize fund rate jumps to 3.3%
News NS&I is hiking its prize fund rate again, marking the fifth rise in a year. We look at how the changes will affect you.
By Ruth Emery Published
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Treasury grills bank bosses over savings rates
News The Treasury Select Committee says customers are earning between 0.5% and 0.65% on basic savings accounts, well below the Bank of England base rate
By Ruth Emery Published
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Digital pound likely to launch this decade
News The Treasury and the Bank of England have launched a consultation on the introduction of a state-backed digital pound. We explain how a “Britcoin” could work
By Ruth Emery Last updated
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Top 10 areas most immune to a house price crash
News Latest research pinpoints the towns, cities and London boroughs most insulated from house price falls this year - and which are the most exposed.
By Ruth Emery Published
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How to ask for a pay rise
Advice A higher salary is the best way to combat the cost of living crisis. But it can feel awkward asking for a pay rise. We reveal our top tips on how best to negotiate for more money.
By Ruth Emery Last updated
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Wood-burning stove vs central heating ‒ which is cheapest?
Advice Demand for wood-burning stoves has surged as households try to reduce their heating costs this winter. But how does a wood burner compare with central heating? We put them to the test to find out which is cheapest.
By Ruth Emery Published
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Inflation drives 18% surge in “minimum” cost of retirement
News Retirees trying to achieve a basic standard of living have seen their costs soar over the past year due to high inflation. We explain how much you now need to retire comfortably and how to boost your pension savings
By Ruth Emery Published
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Prime minister sets ambition of “maths to 18”
News Rishi Sunak pledges to boost the country’s numeracy skills by requiring all school pupils in England to study some form of maths to age 18. This could include algebra and statistics, or financial literacy such as learning about mortgages and savings rates.
By Ruth Emery Published
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Millions of homeowners face £250 jump in monthly mortgage payments next year
News The Bank of England has warned that homeowners and buy-to-let investors will need to pay thousands of pounds in extra mortgage payments next year. We explain what help is available if you’re worried about rising mortgage costs.
By Ruth Emery Published
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