Ruth's picks
ISA or Savings Account: Which Is Best For Me?
Whether you should open an ISA or a traditional saver mostly depends on how much you want to save and for how long. We explain the differences between them.
Pension Withdrawals: Limits, Rules and Taking a Pension Early
If you are 55 or over and have a defined contribution pension, you usually can start making pension withdrawals. Sometimes you can do this before age 55, but you may…
Cashing in a Pension: Your Options at Retirement Explained
Cashing in a pension usually only becomes possible at age 55. At this point some or all of your pension funds can be used to buy an annuity, set up…
The latest from Ruth
What is Pension Tax Relief? How Tax Relief on Pension Contributions Works
Pension tax relief is a government top-up to your pension contributions that aims to encourage people to save for their retirement. The amount of tax relief you can claim will…
Pension Contributions and the Annual Allowance Explained
Pension contributions are the payments that you, your employer, and the government make into a pension, but there are caps and other considerations to bear in mind.
Personal Pensions: What are They and How do They Work?
A personal pension is a private pension that you can set up for yourself, outside any workplace scheme. Open a personal pension plan and your contributions could be boosted by…
8 Ways to Boost Your Pension
Treat your current income like it is spoken for - today’s pension contributions will be more valuable during retirement.
What is Pension Savings Credit?
Anyone on a low retirement income may be eligible for pension credit. There are two forms: guarantee credit and savings credit. Here we look at savings credit, who is eligible…
Help to Save: Accounts for Low-Income Workers
If you claim working tax credit, child tax credit or universal credit, you may be eligible for the Help to Save scheme that pays you a bonus of 50p for…
State Pension Forecast: Check Your Retirement Income
A pension forecast will help you estimate how much state pension income you could receive when you retire. For personal and workplace pensions your annual statement will provide a projection…
Widow’s Pension: the Bereavement Support Payment Explained
In the distressing period after the death of a partner the last thing you want to worry about is money. You may be entitled to government benefits to stop you…
How to Defer Your Pension
If you are not ready to retire, want to build more retirement savings, or simply don’t need to claim your pension yet, you may want to defer taking your pension.…
ISA or Savings Account: Which Is Best For Me?
Whether you should open an ISA or a traditional saver mostly depends on how much you want to save and for how long. We explain the differences between them.
How to Pay Off Credit Card Debt
Credit card debt can quickly mount up, leaving you wondering how to pay it off. Read on to learn how you can pay off your credit card debt and the…
Card Declined: Why Has My Card Been Declined?
Although it may leave you a little red faced, cards can be declined for a number of reasons, these could include reaching spending limits, being abroad or getting your information…
How To Check Your Credit Card Statement
Your credit card statement contains your balance, minimum payment due, the due date, your limit and more.
Credit Card Charges And Fees Demystified
Credit card charges that might show up on your statement include fees from travelling abroad, cash withdrawals, or paying your interest and balance late.
Credit Card Minimum Payments Explained
Your minimum credit card payment is a compulsory sum you have to pay to keep to the terms of your credit card agreement. We explain how minimum payments are calculated…