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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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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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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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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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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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
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British Gas to offer half-price electricity on Sundays to 200,000 customers
British Gas offering certain smart meter users a 50% discount on their electricity on Sundays this summer. We explain everything you need to know
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
Tips