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Ruby Layram

Ruby is a freelance writer who enjoys writing about all things personal finance. After embarking on her own side hustle journey three years ago, Ruby is passionate about helping others to learn about the ins and outs of personal finance, saving and making money.

Recent Articles

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Personal Finance

How I plan to become an ISA millionaire!

| Ruby Layram

Fancy becoming an ISA millionaire? Ruby Layram shares her plan for reaching this goal and building wealth for the future…

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Senior woman looking through the window at home
Personal Finance

How to reduce your Inheritance Tax bill

| Ruby Layram

Worried about the taxman taking away 40% of your estate? Here's how to reduce your Inheritance Tax bill and make…

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Woman looking sideways at credit card
Personal Finance

Get paid £150 for switching your current account! Here’s how

| Ruby Layram

In need of some extra cash this February? Here's how to get paid for simply switching your current account to…

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Inflation in newspapers
Personal Finance

Premium Bonds jackpot has dropped by 50%! Is now a good time to invest?

| Ruby Layram

As a result of rising inflation, Premium Bond millionaires may not be as well off as they used to be!…

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Smiling young man sitting in cafe and checking messages, with his laptop in front of him.
Personal Finance

3 credit cards that could improve your credit score

| Ruby Layram

Looking to improve your credit score in 2022? Here are five credit cards that you can use to build credit…

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Young woman smiling putting a coin inside piggy bank as savings for investment
Personal Finance

How much can you have in savings on Universal Credit?

| Ruby Layram

If you're applying for Universal Credit, you need to think about savings. Here's a look at how savings are factored…

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Working from home due to social distancing
Personal Finance

With 57% of Brits struggling financially, here’s how to make money from home

| Ruby Layram

If you're struggling to make ends meet, now might be the perfect time to start making money from home! Here…

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Road trip. Father and son travelling together by car
Personal Finance

Car owners could save 26% on their car insurance! Here’s how

| Ruby Layram

With the cost of living on the rise, here's how you can save up to 26% on your car insurance…

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Piggy bank rocketing skywards
Personal Finance

49% of Gen Z will use a side hustle to save for retirement! 3 other ways to save

| Ruby Layram

Hoping to save enough to retire abroad but don't have time for a side hustle to build savings? Here are…

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Anxious young man biting his nails fingers
Personal Finance

Those hit hardest by new energy price cap could see bills soar to £4,729!

| Ruby Layram

Homeowners should prepare for a surge in household bills as the new energy price cap is set to double the…

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Lady holding mobile phone and shopping bags
Personal Finance

How I completed a no-spend month

| Ruby Layram

Made a New Year's resolution to try a no-spend month? Ruby Layram did too, so she gave it a try.…

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happy senior couple using a laptop in their living room to look at their financial budgets
Personal Finance

Expert reveals the secrets to getting a better pension!

| Ruby Layram

Are you looking to secure a better pension? A pension expert has revealed two secrets to increasing your contributions and…

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Young Asian Mother and her daughter count coins from piggy bank.
Personal Finance

5 budgeting tips to help you beat inflation

| Ruby Layram

With inflation at an all-time high, Ruby Layram shares five budgeting tips for keeping up with the rising cost of…

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Personal Finance

Carer’s Allowance increase: the hidden catch faced by unpaid carers!

| Ruby Layram

Unpaid carers will receive an increased Carer's Allowance in April. However, this may come with a hidden cost that could…

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Piggy bank rocketing skywards
Personal Finance

Bank of England base rate set to rise! What will this mean for you?

| Ruby Layram

The Bank of England base rate looks set to rise again! Here's what higher interest rates could mean for your…

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A stack of credit cards piled on top of each other
Personal Finance

How many credit cards should you have?

| Ruby Layram

Already planning your post-restrictions splurge? Here's why you might want to consider using multiple credit cards to cover your expenses!

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UK countryside
Personal Finance

Green tech stocks: is now a great time to buy?

| Ruby Layram

Interested in green tech stocks? Here's what Gaby Herculano, CEO of iClima, has to say about the current dip in…

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Concentrated young african american black guy sitting on heated floor at modern coffee table in living room, looking at laptop screen
Personal Finance

How to switch your energy provider and reduce your monthly bills

| Ruby Layram

With energy bills set to rise by around 50% in April, Ruby Layram reveals how to switch your energy provider…

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Piggy bank next to a financial report
Personal Finance

3 reasons why I’d transfer my cash ISA into a stocks and shares ISA

| Ruby Layram

Ruby Layram explains why it might be a good idea to transfer your cash ISA into a stocks and shares…

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Young woman preparing home budget, using laptop and calculator
Personal Finance

Save up to £1,000 on your energy bills by following these simple tips

| Ruby Layram

Worried about the rising cost of energy bills? Here are 4 simple ways to save up to £1000 per year…

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Concentrated young african american black guy sitting on heated floor at modern coffee table in living room, looking at laptop screen
Personal Finance

Everything you need to know about the self-assessment tax return

| Ruby Layram

With the end of January looming, the deadline for filing your self-assessment tax return is fast approaching. Here's everything you…

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Piggybank, British Currency, Calculator, Receipts and a Mug on a Table -
Personal Finance

What is personal cash flow and why is it important?

| Ruby Layram

If your New Year's resolution was to get on top of your finances, it may be time to look at…

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Personal Finance

Saving for retirement: 70% of young people don’t understand their pensions!

| Ruby Layram

Ruby Layram takes a look at why so many young people aren't saving for retirement and how they could be…

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Road trip. Father and son travelling together by car
Personal Finance

Drivers watch out! Car insurance rates rise by more than 7%

| Ruby Layram

It seems drivers should prepare for rising car insurance rates in the coming year. Here's how to beat price increases…

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Man reading green book
Personal Finance

6 side hustle mistakes to avoid in 2022

| Ruby Layram

If your goal for 2022 is to start a successful side hustle, it's important that you know what to avoid!…

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Scene depicting the City of London, home of the FTSE 100
Personal Finance

Here’s why small business owners should set their sights on London

| Ruby Layram

Ruby Layram explores why small business owners in the UK may want to set their sights on London as international…

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Smiling young man sitting in cafe and checking messages, with his laptop in front of him.
Personal Finance

What is small business rates relief?

| Ruby Layram

Has your small business suffered as a result of Covid-19? The new small business rates relief scheme could save you…

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Anxious young man biting his nails fingers
Personal Finance

Watch out! Financial squeeze could derail UK economy

| Ruby Layram

The UK economy has been steadily recovering since the pandemic. However, could the current financial squeeze derail the progress that…

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Girl showing thumb up, excited about upcoming shopping
Personal Finance

How to make the most of interest-free credit card periods

| Ruby Layram

Interest-free credit card periods are set to be extended in the UK. Here's how to take advantage and make the…

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Portrait of worried woman standing beside window
Personal Finance

Banks don’t need our money anymore! What does this mean for savings accounts?

| Ruby Layram

The Bank of England's latest credit conditions report has been released. Here's what's in store for savings accounts and lending…

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Personal Finance

What is ‘earnings season’ and how does it affect the stock market?

| Ruby Layram

Companies across the globe are preparing for earnings season. So, what is it? And what does it mean for the…

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Thoughtful senior couple relaxing at park
Personal Finance

The truth about retirement in the UK

| Ruby Layram

What is it really like to retire in the UK? A group of 10 retirees shed light on how their…

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Close up of a young man renovating and painting the house
Personal Finance

8 hobbies that you could turn into a side hustle

| Ruby Layram

Are you looking to start a side hustle in 2022? Here are eight hobbies that you could easily turn into…

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Young woman smiling putting a coin inside piggy bank as savings for investment
Personal Finance

4 easy ways to make big savings in 2022

| Ruby Layram

Have you made a New Year's resolution to top up your savings pot? Here are four easy-to-follow tips for saving…

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Female couple paying bills online at home, laughing
Personal Finance

Working from home tax relief: what it is and how to claim it

| Ruby Layram

Claiming working from home tax relief could knock up to £125 off your tax bill! Here's how to claim it…

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Question mark on post-it notes
Personal Finance

With house prices at record levels, should you sell your home in 2022?

| Ruby Layram

With house prices at an all-time high, could 2022 be the right time to sell your home? Ruby Layram investigates…

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Inflation in newspapers
Personal Finance

How inflation could lower UK house prices

| Ruby Layram

Ruby Layram explores how inflation could affect UK house prices in 2022. Could it provide a boost to those looking…

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Man putting a coin into a pink piggy bank
Personal Finance

5 expert secrets to reaching your savings goals in 2022

| Ruby Layram

Are you looking for ways to boost your savings in 2022? Here are an expert's secrets that could help you…

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Woman looking sideways at credit card
Personal Finance

Need to stretch your budget? Time to consider our top-rated credit cards!

| Ruby Layram

Have you been feeling the spending squeeze? Here's what you need to know if you're thinking of borrowing money using…

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Personal Finance

What is Marriage Allowance and how could it help you in 2022?

| Ruby Layram

Want to reduce your tax bill this year? Find out if you are one of the 2.4 million couples that…

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