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
-
RBS to close a fifth of branches
Royal Bank of Scotland plans to shut 18 branches across Scotland, resulting in the loss of 105 jobs. We have the full list of closures.
By Ruth Emery Published
-
State pension warning as families opting out of child benefit hits record high
Up to one million parents could be losing out on £6,500 in retirement because they have opted out of receiving child benefit.
By Ruth Emery Published
-
10 ways to cut the cost of car hire
Tips There are lots of ways to trim your holiday car hire bill and pre-empt unpleasant surprises. Here's our checklist to save money and avoid common car rental pitfalls.
By Ruth Emery Last updated
Tips -
5 UK pension changes you should know about in 2024
This year is shaping up to be a big one for pensions, with the Conservatives and Labour competing to attract pensioner votes. Here's how it will impact pension savers or retirees.
By Ruth Emery Last updated
-
ISA guide: everything you need to know for the 2024/25 tax year
In our ISA guide, we explain everything you need to know about ISAs: how they work, how much you can pay in, what investments you can hold, and how to transfer one.
By Ruth Emery Last updated
-
Five ISA changes that have come in with the new tax year 2024/25
ISAs have turned 25-years-old. To celebrate, several changes have come into force, bringing more flexibility and investment choices for savers.
By Ruth Emery Last updated
-
New tax year changes: how much will you have to pay in 2024/25?
The new tax year started on 6 April, 2024. We look at how taxes and allowances are changing and how they will affect you.
By Ruth Emery Last updated
-
4 tax tips for the Bank of Mum and Dad for the new tax year
If you are a parent or grandparent wishing to gift money in a tax-efficient way, here are a few tips to consider.
By Ruth Emery Last updated
-
Checklist: 10 easy moves to save you money before the end of the 2023/24 tax year
Tips The end of the 2023/24 tax year is fast approaching. We’ve put together an action plan so you can maximise valuable tax breaks and allowances before they disappear at midnight on 5 April
By Ruth Emery Last updated
Tips -
Revealed: UK’s biggest ISAs stand at more than £11.6 million each
The top 25 ISAs are worth an average of £11,660,000 each, according to HMRC data - bigger than the country’s largest pension pot. We uncover the secrets of the ISA millionaires.
By Ruth Emery Published
-
Childcare crisis deepens as costs rise 7%
The availability of places at nurseries and childminders has worsened, while the average part-time nursery place for a child under two has increased to £158 a week
By Ruth Emery Published
-
Budget 2024: Child benefit to be paid to more families
The chancellor has announced that the high income child benefit charge will be overhauled, meaning thousands more families will be able to keep their child benefit. We explain what’s happening.
By Ruth Emery Published
-
Budget 2024: National Insurance cut, a new British ISA, and reform of the child benefit charge - here’s what has been announced
The chancellor has announced a host of changes, including cutting National Insurance again, and abolishing some tax reliefs. Here’s how the Budget will affect your finances.
By Ruth Emery Last updated
-
NatWest retail share offer could launch in June
The government could sell part of its stake in the high-street bank as early as the middle of this year. But are the shares worth it?
By Ruth Emery Last updated
-
Thousands of pensioners forced to claim back huge amounts in emergency tax
Some retirees are losing more than £50,000 in emergency tax when they withdraw money from their pensions, which then has to be clawed back from HMRC.
By Ruth Emery Published
-
Couples urged to apply for the marriage allowance before end of tax year
News Married couples and civil partners could save up to £252 a year in tax by claiming the allowance - and receive a backdated lump-sum payment worth more than £1,000.
By Ruth Emery Last updated
News -
Nvidia becomes the fourth biggest company in the world - should you invest?
Chipmaker Nvidia is riding the AI wave, and has overtaken Alphabet and Amazon in terms of market capitalisation. Have new investors missed the boat, or will the share price soar higher?
By Ruth Emery Last updated
-
Waspi women: could they get £10,000 compensation under new bill?
Many women born in the 1950s got a raw deal due to the rising state pension age. The “Waspi” campaign group has been lobbying for compensation for years - we outline the journey so far, and whether they might finally receive some money.
By Ruth Emery Published
-
Which investment trusts could have made you £2 million in your ISA?
A total of 32 investment trusts would have made investors more than £1 million if they had put their ISA allowance in the same trust each year since 1999, with two growing to more than £2 million. We reveal the “ISA millionaire” trusts.
By Ruth Emery Published
-
Neil Woodford investors to get £230 million payout - with first payments by April
A High Court judge has approved a compensation scheme for investors trapped by the collapse of the Woodford Equity Income Fund. We explain how it will work.
By Ruth Emery Published
-
Barclays Smart Investor scraps £4 minimum monthly fee - how does it compare to its rivals?
Barclays has simplified the pricing structure on its investment platform. How do the costs stack up compared to Hargreaves Lansdown, Interactive Investor and others?
By Ruth Emery Published
-
Bereavement benefits: last day to claim backdated payment
Parents who were cohabiting when their partner died could be eligible for thousands of pounds in bereavement support payments. But you only have until the end of today (8 February) to claim, so you’ll need to act fast.
By Ruth Emery Last updated
-
Checklist: What to do if frozen tax thresholds put you in a higher tax bracket
The freeze on income tax bands will see millions dragged into higher rates of taxation. We explain what actions you need to take - plus some ways to save money.
By Ruth Emery Last updated
-
Shop price inflation slows to 18-month low
UK shop price inflation has dropped sharply, raising hopes that inflationary pressures are easing. We look at which items have seen the biggest slowdowns - and what it means for wider inflation figures and interest rates.
By Ruth Emery Last updated