
Ruth Emery
Ruth Emery is contributing editor at The Money Edit. 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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Food delivery apps: Just Eat vs Deliveroo vs Uber Eats
Food delivery apps Just Eat, Deliveroo and Uber Eats have revolutionised ordering takeaways. But it can be tricky working out which is the cheapest food delivery app. We put the trio to the test.
By Ruth Emery Last updated
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Pensioners urged to check Pension Credit eligibility - or miss out on £3,500 a year
Hundreds of thousands of pensioners are missing out on Pension Credit, which is worth £3,500 on average. It also unlocks other benefits such as cold weather payments and help with NHS costs
By Ruth Emery Last updated
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How to cut your energy bills by making your home greener
Homeowners can install solar panels, insulation and a heat pump to reduce their bills - plus there’s no VAT to pay
By Ruth Emery Last updated
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Coronation freebies and discounts: what’s up for grabs
From free railcards and holiday giveaways to discounts off food, we highlight the special offers launched to mark the coronation of King Charles III
By Ruth Emery Last updated
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Should I overpay my mortgage?
Homeowners are spending record amounts on overpaying their mortgages. We explain what you need to consider before overpaying, and whether it’s better to save or invest your spare cash
By Ruth Emery Last updated
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Five state pension changes coming this month
The government is making several changes to state pension payments in April, due to the rising cost of living. We explain what you need to know.
By Ruth Emery Last updated
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Nationwide: when will I get my grocery cashback?
Nationwide is offering a £100 million cashback scheme to its current account customers. We look at how much you can earn and how to get the money.
By Ruth Emery Last updated
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State pension to rise 10.1% this week: what it means for you
This week the full amount of the weekly state pension will increase by 10.1%, the highest ever rise, for 12.5 million retirees. We explain what that means for your state pension
By Ruth Emery Last updated
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Your end-of-tax-year checklist
We’ve put together a handy list so you can make the most of tax breaks and allowances before the tax year ends on 5 April, potentially saving hundreds of pounds.
By Ruth Emery Published
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Revealed: the holiday hotspots where your pound goes furthest
Three years on from the UK’s first lockdown, many holidaymakers are gearing up to travel abroad again. But where can British travellers get the most for their money?
By Ruth Emery Published
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Interest rates rise to 4.25% - what does it mean for your money?
The Bank of England has increased the base rate for the 11th time in a row. We look at whether rates could rise further this year, and what the latest hike means for your mortgage and savings
By Ruth Emery Published
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What will a Bank of England interest rate rise mean for your mortgage rate and payments?
The Bank of England could raise rates again when it meets on Thursday, potentially hiking rates to 4.25%. We explain what it could mean for your mortgage - and how to get help if you’re struggling with payments
By Ruth Emery Last updated
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Get more for your money with a stocks and shares ISA
A stocks and shares ISA could grow your money faster than a cash ISA. But what is it exactly and who is it suitable for?
By Ruth Emery Published
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Revealed: Airline exchange rate rip-off hikes flight costs by up to 11%
Some airlines add a hefty markup when flights are paid for in sterling rather than a different currency. We reveal which airlines use a poor exchange rate - and how to avoid getting stung
By Ruth Emery Last updated
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Spring budget 2023: when is it and what to expect
The chancellor Jeremy Hunt is preparing to deliver his spring budget on 15 March 2023. We look at what changes could be announced, and how they’ll affect the pound in your pocket
By Ruth Emery Last updated
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Pension savers set for a triple boost in the Budget
Jeremy Hunt is expected to hike a trio of pension allowances, including the lifetime allowance, in his Spring Budget on 15 March. We explain what it means for you
By Ruth Emery Published
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How to build a £1 million pension pot for your child
By saving into a pension for your child each year until their 18th birthday, you could turn them into a pension millionaire by the time they retire
By Ruth Emery Published
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Cold weather payments: can you get £25 towards your energy bills?
The government has so far made more than 4.2 million cold weather payments - worth £25 each - to households this winter. We explain who is eligible and how to claim.
By Ruth Emery Last updated
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Discount code not working? Bag a free £20 gift card from Vouchercodes
You can claim a free £20 gift card from Vouchercodes.co.uk if you discover a discount code that doesn’t work. We explain how it works, how to apply - and whether there’s a catch
By Ruth Emery Published
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Aldi selling £10 of food for £3.30 via Too Good To Go app - how to get a bag for yourself
Like saving money and food? You can grab a bag containing Aldi food items worth at least £10 that are approaching their use-by dates for just £3.30. But how does it work - and is it worth it?
By Ruth Emery Published
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Pressure on government to postpone next month’s Energy Price Guarantee hike
The cap on energy bills will rise from £2,500 to £3,000 on 1 April, despite falling wholesale gas prices. Campaigners say the chancellor must postpone the hike to avoid millions more people falling into fuel poverty
By Ruth Emery Published
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Warning: illegal and dangerous electric heaters for sale on Amazon and eBay
Illegal heaters that could cause fires or electric shocks have been discovered for sale online. We explain how to make sure you buy a safe plug-in heater - and what to do if you’ve bought a dangerous one
By Ruth Emery Published
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Tesco Pay+ and Clubcard apps to close - here’s what you need to do
Tesco shoppers who use the apps will need to download a new phone app to avoid missing out on loyalty points
By Ruth Emery Published
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M&S trials £120-a-year Sparks Plus subscription - is it worth it?
M&S Sparks Plus loyalty subscription includes monthly £10 vouchers, unlimited next-day delivery and free hot drinks. We look at whether it’s worth the £120 price tag
By Ruth Emery Published