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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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
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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
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Deflation risks on the horizon: what it means for your savings and investments
With the energy price cap forecast to fall this year, inflation could also drop sharply - and we may start fearing deflation. But what would deflation mean for interest rates, and your savings, mortgage and investments?
By Ruth Emery Published
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What to do if you win the Premium Bond jackpot - or receive a large inheritance
Congratulations! You’ve received a big cash windfall. But what should you do with it? Save it, spend it, invest it, pay off the mortgage… It can feel overwhelming deciding what to do - we ask experts for their tips.
By Ruth Emery Published
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HMRC crackdown on workers who earn extra income comes into force - what tax do you need to pay?
New rules have come into effect allowing the taxman to get a closer look at the extra income people are making through selling items online or renting out properties on Airbnb. We explain what it may mean for your tax bill.
By Ruth Emery Last updated
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Best junior stocks and shares ISAs
Advice A junior stocks and shares ISA is a great way to save for your child tax-efficiently. But it can be confusing trying to decide which investment platform to use. We reveal some of the best junior stocks and shares ISAs.
By Ruth Emery Last updated
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Saving vs investing: which is better to help you make more money?
Advice Expectations of base rate cuts mean savings rates are falling. We look at savings vs investing – where should you put your money?
By Ruth Emery Last updated
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Eight reasons you could get fined up to £5,000 while driving in Storm Jocelyn
Motorists face fines of up to £5,000 plus penalty points for flouting rules during bad weather. We outline common driving mistakes, whether you’ve got an electric vehicle or a diesel or petrol car.
By Ruth Emery Published
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Three pension-related reasons you might need to file a tax return
The self-assessment deadline is fast approaching, with millions of people due to submit a tax return by 31 January. But did you know you may need to file a return because of your pension savings? We explain all.
By Ruth Emery Published
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Pensions tax relief - why the taxman could owe you money
News If you're yet to complete a self-assessment tax return for 2022/23 ahead of the end of January deadline, then don't forget your unclaimed pensions tax relief. Here's how to make sure you claim all the tax relief you’re entitled to
By Ruth Emery Last updated
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Seven things you need to know before installing an electric vehicle charger
Charging your EV at home rather than relying on public charging points is convenient and could save you money. We run through what you need to know before installing one.
By Ruth Emery Published
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Three apps to save you money
Features Apps on your mobile phone can help you salt away cash, manage your finances and trim your spending. We highlight some of the best ones and explain how they work
By Ruth Emery Last updated
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Wage growth slows again - but it is still outpacing inflation
Pay growth has fallen to 6.6%, while the number of vacancies has dropped for the 18th month in a row. We explain what it means for the wider economy - and for interest rates.
By Ruth Emery Published
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Why cash is still king: investors take advantage of high interest rates and maximise flexibility
Cash is seen as the most attractive asset class moving into 2024, according to a new survey. But with interest rates forecast to drop, investors are likely to start reinvesting in risk assets soon.
By Ruth Emery Published
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Crypto investors warned they may need to submit a tax return by 31 January
HMRC has issued a new warning to crypto users that they may have to file a tax return this month to avoid potential penalties. We explain who needs to complete a self-assessment return and when tax may be due.
By Ruth Emery Published
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Should you overpay your mortgage or invest?
Advice As interest rates remain high, homeowners with spare cash may be wondering if they should overpay their mortgage. Or is investing a better option? We explain which one might be best for you
By Ruth Emery Last updated
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National Insurance savings could turbo-charge your pension by £87,000
As National Insurance falls from 12% to 10%, we reveal how adding the savings to your pension could boost your retirement pot by tens of thousands of pounds. Plus, how salary sacrifice could save you even more tax.
By Ruth Emery Published
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Millions to benefit from National Insurance cut from 6 January
Workers will get a boost to their pay packets as the first tax cut of 2024 is introduced on 6 January. We explain what the lower NI rate of 10% means for your money.
By Ruth Emery Published
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State pension triple lock should be scrapped, says IFS
The Institute for Fiscal Studies has called for the triple lock to be replaced, and says the state pension age should only rise when life expectancy rises. But would its suggestions work?
By Ruth Emery Published
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UK GDP: Economy falls unexpectedly
The UK economy shrank by 0.3% in October, due to high interest rates and bad weather. We look in detail at the reasons behind the fall, and what it means for interest rates next year.
By Ruth Emery Published
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Two-thirds of savers don’t know how to switch to a “green pension”
Switching to a green pension can save emissions equal to 11 return flights from London to New York every year, claims a new report. But is it worth moving your money, and how do you do it?
By Ruth Emery Published
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Wage growth slows as jobs market falters
Pay growth has eased to 7.3%, while the number of vacancies has fallen for the 17th month in a row. We explain what it means for the wider economy - and for interest rates.
By Ruth Emery Published
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The 8% pension rule: what is it and is it enough to retire on?
You are probably saving this amount into a pension each month without even realising. But what is the 8% rule and is it enough to give you a comfortable retirement?
By Ruth Emery Published
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Top 10 stocks with highest growth over past decade - from Nvidia, Microsoft to Netflix, which companies made you the most money?
We reveal the 10 global companies with the biggest returns since 2013. One firm has posted an astonishing 9,870% return, meaning a £1,000 investment would now be worth almost £82,000.
By Ruth Emery Published