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.

Annuities surge in popularity - is now the time to buy one?
Pensions

Annuities surge in popularity - is now the time to buy one?

More retirees are opting for an annuity on the back of rising rates. We look at if now is a good time to buy an annuity
30 May 2023
Revealed: the investment platforms that pay less than 1% interest on cash holdings
Investments

Revealed: the investment platforms that pay less than 1% interest on cash holdings

Do you know how much interest the cash balance in your investment portfolio, ISA or pension earns? We lift the lid on the best and worst interest-paye…
23 May 2023
Holiday rip-off: Millions of travellers hit with hidden costs by using debit card abroad
Personal finance

Holiday rip-off: Millions of travellers hit with hidden costs by using debit card abroad

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, a…
23 May 2023
One in five taxpayers to pay higher rate of income tax by 2027
Personal finance

One in five taxpayers to pay higher rate of income tax by 2027

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 …
18 May 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.
10 May 2023
Pensioners urged to check Pension Credit eligibility by 19 May to unlock £301 cost of living payment
Pensions

Pensioners urged to check Pension Credit eligibility by 19 May to unlock £301 cost of living payment

Pensioners must apply for Pension Credit by 19 May to qualify for a £301 payment, and then a further £599. We explain who is eligible (you may be surp…
5 May 2023
State pension changes set to take effect this week - what it means for your money
Pensions

State pension changes set to take effect this week - what it means for your money

A new tax year brings new state pension payment amounts - we look at the key 5 state pension changes you need to know about.
3 Apr 2023
End-of-tax-year checklist
Personal finance

End-of-tax-year checklist

The end of the 2022/23 tax year is fast approaching. We’ve put together an action plan so you can maximise valuable tax breaks and allowances before t…
30 Mar 2023
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…
28 Mar 2023
Can I avoid IHT by stuffing all my money into a pension?
Personal finance

Can I avoid IHT by stuffing all my money into a pension?

The ditching of the lifetime allowance could enable millions of pension savers to avoid inheritance tax. We explain how.
20 Mar 2023
Budget 2023: Free childcare hours extended to children aged between nine months and two years old
Personal finance

Budget 2023: Free childcare hours extended to children aged between nine months and two years old

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 …
15 Mar 2023
Budget 2023: Pension lifetime allowance scrapped
Personal finance

Budget 2023: Pension lifetime allowance scrapped

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 chancell…
15 Mar 2023
How to make your child a tax-free millionaire by age 37
Investments

How to make your child a tax-free millionaire by age 37

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 th…
14 Mar 2023
When is the Spring Budget and what to expect
Budget

When is the Spring Budget and what to expect

The Spring Budget is set to take place on 15 March. We look at what has already been revealed, plus the tax changes and new policies the chancellor is…
14 Mar 2023
Flat fees vs percentage fees - are you paying too much for your investments?
Personal finance

Flat fees vs percentage fees - are you paying too much for your investments?

We investigate whether it’s better to choose an investment platform with flat fees, or whether percentage charges could work out cheaper.
1 Mar 2023
High earners fail to claim ��1.3 billion in pension tax relief
Personal finance

High earners fail to claim ��1.3 billion in pension tax relief

Millions of pounds of pension tax relief are left unclaimed by higher-rate and additional-rate taxpayers every year. We explain how to make sure you c…
28 Feb 2023
Millions of couples missing out on marriage tax allowance
Personal finance

Millions of couples missing out on marriage tax allowance

Married couples and civil partners are being urged to check if they qualify for the marriage allowance, which could save them up to £252 a year in tax
22 Feb 2023
NS&I Premium Bond prize fund rate jumps to 3.3%
Personal finance

NS&I Premium Bond prize fund rate jumps to 3.3%

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.
14 Feb 2023
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
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

Latest 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
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
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
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
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