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Ruth Jackson-Kirby author headshot

Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance writer

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
The best offers for those wanting to switch their current accounts
Bank accounts

The best offers for those wanting to switch their current accounts

There are several new tempting current accounts on the market, many offering a cash incentive if you switch. Ruth Jackson Kirby looks at the best arou…
2 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
How to use credit cards to deal with your debt
Credit cards

How to use credit cards to deal with your debt

Various types of credit card – including balance transfer and zero-interest – make owing money much less expensive, says Ruth Jackson Kirby.
16 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
What to do with your work-from-home savings
Personal finance

What to do with your work-from-home savings

If you’ve saved more than usual this year, where should the money go? On paying off your debts, says Ruth Jackson Kirby.
7 Dec 2020
This year’s endless fiasco at NS&I
Personal finance

This year’s endless fiasco at NS&I

National Savings & Investments (NS&I), has lurched from one disaster to another this year. Ruth Jackson-Kirby looks at what's gone wrong.
6 Dec 2020
How to afford private healthcare if you want to skip the NHS queues
Personal finance

How to afford private healthcare if you want to skip the NHS queues

Private hospitals are seeing a huge increase in enquiries as the NHS concentrates on treating Covid patients. If you are thinking of going private, sa…
1 Dec 2020
How to avoid inheritance tax by giving your money away
Inheritance tax

How to avoid inheritance tax by giving your money away

Ruth Jackson Kirby explains how to avoid inheritance tax by passing money on to your family while you are still here.
24 Nov 2020
For the best savings rates you can find now, forget the high street banks
Savings

For the best savings rates you can find now, forget the high street banks

If you're looking for any sort of return from a savings account, forget the high-street, says Ruth Jackson-Kirby. Here's where you'll get the best rat…
20 Nov 2020
Tips and tricks to save money on your Christmas shopping
Personal finance

Tips and tricks to save money on your Christmas shopping

Ruth Jackson-Kirby has some tips on how to keep a lid on your festive expenditure this year.
17 Nov 2020
Packaged bank accounts: beware these pricey offerings
Bank accounts

Packaged bank accounts: beware these pricey offerings

Do your sums to see if “premium” bank accounts with benefits are worth paying extra for.
3 Nov 2020
How to cut your heating bill while working from home
Personal finance

How to cut your heating bill while working from home

How to keep your winter heating bill down while working from home
27 Oct 2020
Where to find the best insurance deals
Insurance

Where to find the best insurance deals

If you want a good deal on your home, contents or travel insurance, you will need to do more research in the post-Covid-19 world.
20 Oct 2020
How to make your home greener with a government grant
Personal finance

How to make your home greener with a government grant

Cut the cost of making your house more environmentally friendly with a Green Home Grant.
13 Oct 2020
Where to put your savings now that NS&I has cut its rates
Savings

Where to put your savings now that NS&I has cut its rates

National Savings & Investments (NS&I) has slashed its interest rates. There are now much better deals for your savings elsewhere, says Ruth Jackson Ki…
2 Oct 2020
How to make sure you claim all your pension entitlements
Pensions

How to make sure you claim all your pension entitlements

It’s important to make sure you get the income that you are due when you retire, says Ruth Jackson-Kirby.
30 Sep 2020
Making a will online in the age of Covid
Personal finance

Making a will online in the age of Covid

The pandemic has propelled the procedure of making a will into the digital age – but beware.
15 Sep 2020
The stamp-duty stampede
Personal finance

The stamp-duty stampede

There has been a surge in people wanting to move house before the stamp duty holiday ends next year.
11 Sep 2020
Make sure you insure your UK holiday
Travel insurance

Make sure you insure your UK holiday

If you're holidaying in the UK, it still makes sense to take out travel insurance.
8 Sep 2020
How to fight the fraudsters coming for your pension pot
Personal finance

How to fight the fraudsters coming for your pension pot

Investment and pension scams have proliferated during lockdown. Here’s how to protect yourself.
8 Sep 2020
Child trust funds are about to bring a windfall for teenagers
Savings accounts for children

Child trust funds are about to bring a windfall for teenagers

The first child trust funds are maturing in September, says Ruth Jackson-Kirby. But what should teenagers do with the money?
31 Aug 2020
Prepare for PPI part 2
Personal finance

Prepare for PPI part 2

The payment protection insurance saga is heading for a sequel.
18 Aug 2020
Four of the best apps to help you manage your money
Personal finance

Four of the best apps to help you manage your money

These four tools will help you to cut your bills, track your spending, save up, and even file your tax return.
11 Aug 2020
How investors got burned by Chilango's burrito bonds
Corporate bonds

How investors got burned by Chilango's burrito bonds

As investors in restaurant chain Chilango's burrito bonds face losing all their money, MoneyWeek’s warning to steer clear of mini-bonds proved prescie…
3 Aug 2020