AUTHOR

Ruth Emery author headshot

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.

Digital pound likely to launch this decade
Currencies

Digital pound likely to launch this decade

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” cou…
7 Feb 2023
Treasury grills bank bosses over savings rates
Savings

Treasury grills bank bosses over savings rates

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
7 Feb 2023
Is it a good time to buy an annuity as rates hit a 14-year high?
Pensions

Is it a good time to buy an annuity as rates hit a 14-year high?

Average annual annuity income has risen by almost £700 over the past 12 months. We look at whether now is a good time to buy an annuity
7 Feb 2023
Nine shared banking hubs revealed as more branches close
Personal finance

Nine shared banking hubs revealed as more branches close

Locations for nine new banking hubs have been revealed, which aim to plug the gaps left by bank branch closures. We explain who can use them, and if t…
31 Jan 2023
Top 10 areas most immune to a house price crash
House prices

Top 10 areas most immune to a house price crash

New research pinpoints the towns, cities and London boroughs most insulated from house price falls this year - and which are the most exposed.
31 Jan 2023
How to ask for a pay rise
Personal finance

How to ask for a pay rise

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…
31 Jan 2023
Is now a good time to buy a house?
Property

Is now a good time to buy a house?

Is now a good time to buy a house? That’s something many people might be asking as house prices, and mortgage rates, begin to decline
30 Jan 2023
Almost 1.5 million more people will be dragged into higher tax bands by 2027
Personal finance

Almost 1.5 million more people will be dragged into higher tax bands by 2027

Frozen income tax allowances mean considerably more people will have to start paying higher-rate and additional-rate tax. We explain what you can do t…
26 Jan 2023
Fan heater vs oil heater – which is cheaper?
Personal finance

Fan heater vs oil heater – which is cheaper?

Sales of portable heaters have soared, as households look to cut their energy costs. But which is better: a fan heater or an oil heater? We put them t…
25 Jan 2023
Wood-burning stove vs central heating ‒ which is cheapest?
Personal finance

Wood-burning stove vs central heating ‒ which is cheapest?

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…
24 Jan 2023
Wages jump - could interest rates rise faster?
Personal finance

Wages jump - could interest rates rise faster?

Wage growth is running at its highest level since records began, which could lead the Bank of England to hike interest rates more aggressively to put …
17 Jan 2023
Inflation drives 18% surge in “minimum” cost of retirement
Personal finance

Inflation drives 18% surge in “minimum” cost of retirement

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…
12 Jan 2023
Should you overpay your mortgage or invest?
Investments

Should you overpay your mortgage or invest?

As interest rates rise, homeowners with spare cash may be wondering if they should overpay their mortgage. Or is investing a better option? We explain…
11 Jan 2023
Prime minister sets ambition of “maths to 18”
Personal finance

Prime minister sets ambition of “maths to 18”

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…
4 Jan 2023
January’s Premium Bond millionaire winners revealed – how to check if you’ve won
Personal finance

January’s Premium Bond millionaire winners revealed – how to check if you’ve won

Millions of savers are celebrating the New Year with a tax-free cash prize following the January Premium Bond draw. We explain how to check if you’re …
4 Jan 2023
Pensioners urged to check Pension Credit eligibility by 18 December to unlock £324 cost of living payment
Pensions

Pensioners urged to check Pension Credit eligibility by 18 December to unlock £324 cost of living payment

Pensioners must apply for Pension Credit by 18 December to qualify for £324 payment, and then a further £900 next year. We explain who is eligible (yo…
16 Dec 2022
Millions of homeowners face £250 jump in monthly mortgage payments next year
Mortgages

Millions of homeowners face £250 jump in monthly mortgage payments next year

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 …
14 Dec 2022
Best junior stocks and shares ISA platforms
Isas

Best junior stocks and shares ISA platforms

A junior stocks and shares ISA is a great way to save for your child tax-efficiently. But it can be confusing deciding which investment platform to ch…
25 Nov 2022
Four money apps to help your cut your spending
Personal finance

Four money apps to help your cut your spending

These four money apps will help you cut your bills, cancel unwanted subscriptions, grow your savings, and even file your tax return.
22 Nov 2022
Inheritance tax threshold capped until 2028
Inheritance tax

Inheritance tax threshold capped until 2028

Hunt confirms IHT freeze in today’s Autumn Statement. What does it mean for you?
17 Nov 2022
Childcare costs: how to save hundreds on childcare costs
Personal finance

Childcare costs: how to save hundreds on childcare costs

The average price of full-time childcare for a baby or toddler has hit £14,000 a year – and experts predict that fees could go much higher in the comi…
16 Nov 2022
What could be in the Autumn Statement?
Budget

What could be in the Autumn Statement?

Jeremy Hunt will reveal his first Autumn Statement as chancellor on Thursday, 17 November. From pensions and inheritance tax to income tax and capital…
14 Nov 2022
Are Lifetime Isas still worth it?
Lifetime ISAs

Are Lifetime Isas still worth it?

Despite house prices surging over the past few years, the property price cap for first-time buyers using a Lifetime Isa remains at £450,000. Is it wor…
10 Nov 2022
Saving vs investing: which is better to help you make more money?
Personal finance

Saving vs investing: which is better to help you make more money?

Saving your money certainly looks more attractive now interest rates are on the rise. But investing could be a better choice if you’re prepared to tak…
3 Nov 2022
Women miss out on £599bn due to the gender investment gap
Personal finance

Women miss out on £599bn due to the gender investment gap

Men have billions more in stocks and shares Isas, investment accounts and private pensions, a new gender investment gap report reveals.
1 Nov 2022
Don’t miss the 31 October deadline to submit a paper tax return
Personal finance

Don’t miss the 31 October deadline to submit a paper tax return

Self-assessment customers wishing to file a paper tax return must do so by midnight on 31 October, or risk being slapped with a £100 fine.
26 Oct 2022
What could be in the chancellor’s statement on 31 October?
Budget

What could be in the chancellor’s statement on 31 October?

After dismantling most of the mini-Budget in a series of U-turns, Jeremy Hunt will reveal the rest of his “medium-term fiscal plan” on Halloween. We l…
19 Oct 2022
Interest rates rise to 1.75% – the highest level since December 2008
Personal finance

Interest rates rise to 1.75% – the highest level since December 2008

The Bank of England has raised interest rates from 1.25% to 1.75%, and warns that the UK will fall into a recession this year.
4 Aug 2022