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.
Latest articles by Ruth Emery
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Premium Bonds: how do prize winners get notified - and who is Agent Million?
With the April draw being announced in days, how do Premium Bond winners get notified, how do the winnings get paid, and who exactly is NS&I's Agent Million?
By Ruth Emery Last updated
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4 tax tips for the Bank of Mum and Dad before the end of the tax year
Parents and grandparents wishing to gift money in a tax-efficient way need to be aware of the looming 5 April end-of-tax year deadline. Here are our tips to beat the deadline.
By Ruth Emery Published
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Is now a good time to buy a house?
Advice Is now a good time to buy a house? That’s something many people might be asking amid lower house price growth and relatively cheaper mortgage rates.
By Ruth Emery Last updated
Advice -
Annuity rates rise 6.5% over past year - is now a good time to buy one?
Advice Annuities are back in fashion, with sales leaping 46% last year, and rates rising 6.5%. But with interest rates forecast to fall, what sort of value can you get from an annuity, and should pension savers buy one?
By Ruth Emery Last updated
Advice -
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
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How to get an ISA and SIPP cashback bonus
Tips Here are the best bonus deals available, with some providers giving away as much as £2,500 in cashback for opening or transferring an account.
By Ruth Emery Last updated
Tips -
When will interest rates fall? Latest Bank of England predictions
Briefings The Bank of England has held interest rates at 5.25% for six months. But when could the base rate go down?
By Ruth Emery Last updated
Briefings -
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
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£50 billion in pension savings estimated to be lost
Analysis by the Centre for Economics and Business Research reveals that one in five workers believe they have lost a pension pot, with the total number of lost pots likely to rise sharply due to more frequent job switching. Are you at risk?
By Ruth Emery Published
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What is inflation and how does it affect you?
Briefings Inflation has more than halved over the past year, but remains above the Bank of England's 2% target. What is inflation and how does it affect your finances?
By Ruth Emery Last updated
Briefings -
Five ISA changes happening this April
ISAs will turn 25 this April. To celebrate, several changes will come into force, bringing more flexibility and investment choice for savers.
By Ruth Emery Published
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Nationwide strikes deal to buy Virgin Money - what does it mean for customers?
Nationwide Building Society has reached an agreement to buy Virgin Money for £2.9 billion. But what does the takeover mean for customers, branches and products?
By Ruth Emery Published
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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 -
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
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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
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Pension Credit: claim by 5 March to secure extra £299 cost of living payment
Features An estimated 880,000 pensioners are missing out on Pension Credit, worth around £3,900 a year. We explain who is eligible (you may be surprised) and how claiming it by 5 March could unlock an extra £299 payment.
By Ruth Emery Last updated
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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
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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
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Should you defer your pension and stay in work?
Advice A quarter of people approaching retirement are unaware they can defer receiving their state pension. Deferring could make sense if you're still working and don't need the income immediately. We look at how it works, and the pros and cons.
By David Prosser Last updated
Advice -
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
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Consumer Duty: how the rules are changing financial services - and what they mean for you
Consumer Duty rules came into force six months ago. They aim to put customers’ needs first, and some banks and wealth managers are already responding by axing fees and increasing interest rates. What other changes could we see in 2024?
By Ruth Emery Last updated
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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
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Stocks and shares ISAs beat cash ISAs despite rising interest rates
Exclusive analysis for MoneyWeek shows that the stock market beat cash ISAs last year - and when inflation is factored in, cash savers actually made a loss. We run through the figures.
By Ruth Emery Published
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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