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
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…
Credit Card Limits Explained
All credit cards have a credit limit, which sets the maximum amount you can borrow on the card. Find out how credit card limits are calculated and whether you can…
What is a Standard Variable Rate Mortgage?
A standard variable rate, or SVR, is an interest rate set by your mortgage lender that you may be moved onto once your fixed, tracker or discount rate mortgage deal…
Savings Accounts Earn You Interest on Your Money
How much interest you earn depends on the type of savings account, how much you save and how long you are willing to lock your money away.
Retirement Interest Only Mortgages: How RIO Mortgages Work
A retirement interest-only mortgage (RIO) is a type of home loan available to borrowers over 55. With a RIO, you repay interest monthly. Capital does not have to be repaid…
Understanding your Pension Statement
A pension statement is an annual summary of your pension pot. It shows how much you have built up so far and gives you a projected retirement income. Your state…
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…
Pension Advice: Everything you Need to Know
Whether you're approaching retirement or want to understand the funds you’re investing in, you might consider getting some advice about your pension.
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…
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.
What is Pension Credit and How Do I Claim It?
Pension credit is a tax-free government benefit available to people over state pension age who are on a low income. There are two main forms: savings credit and guarantee credit.