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Ruth Jackson-Kirby author headshot

Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance writer

Calculate your personal inflation rate
Personal finance

Calculate your personal inflation rate

This useful calculator lets you see the effect of price rises on your budget, to calculate your own personal inflation rate.
12 May 2022
How to make your child a financial whizz
Personal finance

How to make your child a financial whizz

Money skills aren’t always taught at school. You need to take matters into your own hands, says Ruth Jackson-Kirby.
11 May 2022
Should you fix your mortgage? Interest rates have hit a five-year high
Mortgages

Should you fix your mortgage? Interest rates have hit a five-year high

Mortgage interest rates hit a five-year high last month. So should you fix your mortgage rate? And if so, how long should you fix for? Ruth Jackson in…
4 May 2022
Should you buy pet insurance or “self insure” your pet?
Insurance

Should you buy pet insurance or “self insure” your pet?

Veterinary costs are soaring, but many pet insurance policies provide a poor level of cover, says Ruth Jackson-Kirby.
27 Apr 2022
How to beat rising energy prices
Personal finance

How to beat rising energy prices

Ruth Jackson-Kirby looks at why alternatives to traditional boilers look appealing in the face of rising prices
17 Apr 2022
Don't buy pre-paid funeral plans, save for death instead
Personal finance

Don't buy pre-paid funeral plans, save for death instead

Funerals are costly, but pre-paid plans have not been a reliable way to prepare for them. Set up your own savings instead, says Ruth Jackson Kirby.
13 Apr 2022
Cash Isas: there are still benefits be had – here are the best rates
Cash ISAs

Cash Isas: there are still benefits be had – here are the best rates

High inflation, low interest rates, declining tax benefits – has the cash Isa had its day? Perhaps not quite yet
29 Mar 2022
Cash Isas: there are still benefits be had – here are the best rates
Cash ISAs

Cash Isas: there are still benefits be had – here are the best rates

High inflation, low interest rates, declining tax benefits – has the cash Isa had its day? Perhaps not quite yet
29 Mar 2022
The best long-term fixed-rate mortgages available now
Personal finance

The best long-term fixed-rate mortgages available now

Rising interest rates will increase your mortgage costs. This could be a good time to lock in a five-year or ten-year fixed-rate mortgage deal, says R…
25 Mar 2022
Ethical savings accounts: make your cash green
Savings

Ethical savings accounts: make your cash green

NS&I’s Green Savings Bond helps fund environmentally sound projects, but there are better eco-friendly options for your money, says Ruth Jackson-Kirby…
22 Mar 2022
The best credit card for collecting air miles
Credit cards

The best credit card for collecting air miles

The Barclaycard Avios and Avios Plus are more widely accepted than Amex, says Ruth Jackson-Kirby.
15 Mar 2022
Split your money into pots with Zopa's new savings account
Savings

Split your money into pots with Zopa's new savings account

A new account from Zopa lets you tailor your savings to your needs by putting your money in separate pots. Ruth Jackson-Kirby explains how it works an…
9 Mar 2022
Should you use your savings to overpay your mortgage?
Mortgages

Should you use your savings to overpay your mortgage?

Early mortgage repayments could be a better way to save in a low interest-rate environment, says Ruth Jackson-Kirby.
2 Mar 2022
How to cut the cost of living
Personal finance

How to cut the cost of living

Rising energy prices, inflation and the National Insurance hike will put many household budgets under strain from April. Ruth Jackson has some ideas o…
22 Feb 2022
Get paid to switch your current account
Bank accounts

Get paid to switch your current account

Santander and NatWest are offering bonuses if you switch to their current accounts, but make sure you choose the right service.
16 Feb 2022
How to keep your mortgage payments low as interest rates rise
Mortgages

How to keep your mortgage payments low as interest rates rise

Rising interest rates pose a threat to your mortgage, but it’s not all bad news. Here are some ways to secure a better rate.
11 Feb 2022
Tax return deadline extended – but don't forget to file
Income tax

Tax return deadline extended – but don't forget to file

HMRC is being slightly more lenient about tax returns this year, but falling behind will still incur hefty fines.
25 Jan 2022
How to save money when getting a divorce
Personal finance

How to save money when getting a divorce

If you're thinking of getting a divorce, waiting for the new laws in the next tax year could ensure a difficult process becomes a lot cheaper.
18 Jan 2022
Use a balance-transfer credit card to clear your debts
Credit cards

Use a balance-transfer credit card to clear your debts

Don’t pay interest on your post-Christmas debt – get a balance-transfer credit card instead. Ruth Jackson-Kirby looks at what's on offer.
11 Jan 2022
Wills aren’t set in stone – change them with a deed of variation
Personal finance

Wills aren’t set in stone – change them with a deed of variation

If all executors and beneficiaries of a deceased’s will agree, they can change who benefits. Ruth Jackson-Kirby explains how.
2 May 2021
Should you join in on the dash for digital banks?
Bank accounts

Should you join in on the dash for digital banks?

App-based financial-services providers are proving efficient and popular
21 Apr 2021
Does part of the £50bn lying forgotten in dormant accounts belong to you?
Personal finance

Does part of the £50bn lying forgotten in dormant accounts belong to you?

Around £50bn of our money is just sitting in dormant bank, savings and pension accounts. Make sure none of it's yours, says Ruth Jackson Kirby.
20 Apr 2021
How to navigate the child-benefit maze
Personal finance

How to navigate the child-benefit maze

The child benefit system is infernally complicated and rife with potential pitfalls.
13 Apr 2021
Not been driving much? Here's how to save money on costly car insurance
Insurance

Not been driving much? Here's how to save money on costly car insurance

If you've not been driving your car much lately, it’s important to shop around for a better car insurance package, says Ruth Jackson-Kirby.
31 Mar 2021
Beware of expensive pre-paid funeral plans
Personal finance

Beware of expensive pre-paid funeral plans

Farewells are expensive, so many people opt for package deals. But they can be opaque and pricey, says Ruth Jackson-Kirby.
23 Mar 2021
How to minimise your inheritance tax bill
Inheritance tax

How to minimise your inheritance tax bill

Fiscal drag will ensure that more people pay inheritance tax. Here’s how to minimise your bill.
16 Mar 2021
Holidays in the UK – should you buy travel insurance?
Insurance

Holidays in the UK – should you buy travel insurance?

Booking a holiday in the UK? Tread carefully with travel insurance, says Ruth Jackson-Kirby – make sure your policy covers everything you need.
9 Mar 2021
Make sure you use all your allowances before the end of the tax year
Tax

Make sure you use all your allowances before the end of the tax year

There’s still time to ensure you don’t overpay your tax this financial year, says Ruth Jackson-Kirby - but make sure you use all your allowances
1 Mar 2021
Why you should still put money into a cash Isa
Cash ISAs

Why you should still put money into a cash Isa

Interest rates may be lousy, but tax-free saving into a cash Isa is still a good idea.
23 Feb 2021
Prepare yourself for an end to “free” banking
Bank accounts

Prepare yourself for an end to “free” banking

Free bank accounts could soon be a thing of the past. But paid-for accounts can come with plenty of worthwhile perks, says Ruth Jackson-Kirby.
9 Feb 2021
Tax returns: make sure you declare child benefit
Personal finance

Tax returns: make sure you declare child benefit

If you owe HMRC a repayment of child benefit cash, you need to act quickly, says Ruth Jackson-Kirby.
26 Jan 2021
How to deal with self-assessment tax returns after a very trying year
Tax

How to deal with self-assessment tax returns after a very trying year

The Covid-19 pandemic will complicate the self-assessment tax return process for 2019-20. What if you can’t pay? Ruth Jackson-Kirby has some advice.
20 Jan 2021
Travel to the EU: how the Brexit deal affects you
Personal finance

Travel to the EU: how the Brexit deal affects you

The Brexit deal will mean some administrative changes when you next travel to the EU. Here are the most important ones.
11 Jan 2021
Beware these cons and scams this Christmas
Personal finance

Beware these cons and scams this Christmas

Ruth Jackson-Kirby outlines some of the worst new scams to watch out for this year
27 Dec 2020
Loyalty to your energy supplier doesn’t pay – switch
Personal finance

Loyalty to your energy supplier doesn’t pay – switch

New measures will make energy suppliers22 switch you to a cheaper deal when your fixed-rate tariff ends.
22 Dec 2020
The best financial gifts to give this Christmas
Personal finance

The best financial gifts to give this Christmas

Christmas is coming and most of us are now planning presents. If you are thinking about giving a financial gift this year, then there are a few things…
15 Dec 2020