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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

Hands of woman with many shopping bags
Personal Finance

Boxing Day sales: where to bag the best bargains!

| Ruby Layram

Escape the post-Christmas blues by hitting the Boxing Day sales! Here are the best Boxing Day deals to make the…

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Vacation travel planning concept with map.
Personal Finance

What are Avios points?

| Ruby Layram

Fancy saving some money the next time you travel abroad? Avios points could be the answer! Here's everything you need…

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A colourful firework display
Personal Finance

Get ready for these personal finance changes in 2022!

| Ruby Layram

As 2022 approaches, Ruby Layram takes a look at five key personal finance changes that you should prepare for next…

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Mature woman with headache at home
Personal Finance

67% of investors regret their decisions: how to avoid impulsive investing

| Ruby Layram

Have you ever regretted buying into a stock or share? A recent survey shows that many investors do. Here's how…

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United Kingdom leaving the European Union represented in puzzle pieces.
Personal Finance

Here’s how UK businesses have suffered in the wake of Brexit

| Ruby Layram

With 2021 coming to an end, here's how the wake of Brexit has affected UK businesses and how businesses owners…

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Personal Finance

Small business owners could save £4,701 a year by switching to an electric car!

| Ruby Layram

With the price of petrol at an all-time high, here's how switching to electric vehicles could save your small business…

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'For Sale' sign outside of a terraced house in the UK
Personal Finance

Are UK houses worth the money? Here’s what £270,000 could get you!

| Ruby Layram

Is it possible to find a good value home in the UK? Ruby Layram takes a look at the best…

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Multi-ethnic adult family celebrating with champagne, talking and dancing in the kitchen while preparing dinner on Christmas Day
Personal Finance

The true cost of Christmas: most Brits won’t recover until April!

| Ruby Layram

How long will it take you to recover from Christmas? Ruby Layram takes a look at the spending habits of…

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Young woman with face mask using mobile phone and buying groceries in the supermarket during virus pandemic.
Personal Finance

“I slashed my food shop by £2,340!” Here’s how you can too

| Ruby Layram

Working mum Sarah Colley reveals how she saved £2,340 on her food shop in 18 months. Could you save this…

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Supermarket aisle with empty green trolley
Personal Finance

Watch out! Your supermarket trolley could add 25% to your shop

| Ruby Layram

Wondering why your weekly food shop has gone up? This new trolley design could be adding an extra £7 to…

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For Sale sign displayed outside a terraced house
Personal Finance

My best places to buy a home for under £100K

| Ruby Layram

Looking to get on the property ladder with a tight budget? Here are the best places to buy a home…

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Closeup of "interest rates" text in a newspaper
Personal Finance

Are you missing out on these high-interest savings accounts?

| Ruby Layram

Are you missing out on interest rates that are 70 times higher than that of your current savings account provider?…

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Row of terrace houses.
Personal Finance

What will new mortgage lending rules mean for house prices?

| Ruby Layram

The Bank of England has announced that it may soften mortgage lending rules. Ruby Layram explores what this could mean…

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Home key with house keyring with calculator.
Personal Finance

The first-time buyer crisis: 28% are delaying major life events!

| Ruby Layram

Research by Tembo reveals the true extent of the housing crisis in the UK. Here's why young people are struggling…

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Man sat at laptop computer using credit card to pay online using mobile phone
Personal Finance

The return of the credit card! Post-lockdown life is slashing our savings

| Ruby Layram

Brits have stacked up £700 million in credit card purchases in the last few months. Does this mean that saving…

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

How I’ve adjusted my budget for post-lockdown life

| Ruby Layram

Have you found yourself struggling to save post-lockdown? Here's how I adjusted my budget to stretch my money a bit…

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Man using credit card and smartphone for purchasing goods online.
Personal Finance

How you could earn over £7,000 in extra cash this Christmas!

| Ruby Layram

Want to know how to make money this Christmas? Research shows that your unused tech could make you over £7,000!…

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Jar filled with coins
Personal Finance

The Cambridge savings account offers a 5% interest rate! Do you qualify?

| Ruby Layram

The Cambridge Building Society's Extra Reward Regular Saver is a savings account that offers 5% interest! Find out whether you're…

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Black Friday sale design
Personal Finance

How to avoid losing money through Black Friday scams

| Ruby Layram

No one wants to lose money on Black Friday. Here's how to spot some common scams and prevent yourself from…

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

This gold-backed savings account pays 2%!

| Ruby Layram

Tally has launched a brand new gold-backed savings account that offers 2% returns. Here's everything you need to know about…

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Senior Couple Walking With Pet Bulldog In Countryside
Personal Finance

How to boost your pension and prevent financial heartache

| Ruby Layram

Is it a good idea to rely on your partner's pension? Here's how you can boost your own and avoid…

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Young lady working from home office during coronavirus pandemic.
Personal Finance

Homeworkers could save up to £30 per month by returning to the office

| Ruby Layram

With the price of energy on the rise, Ruby Layram explores whether UK homeworkers could cut down costs by returning…

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Jar filled with coins
Personal Finance

Universal Credit claimants could receive a £1,200 bonus!

| Ruby Layram

ITV's Martin Lewis has revealed that Universal Credit claimants could be eligible for a £1,200 savings bonus. Here's what you…

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Surprised Black girl holding teddy bear toy on Christmas
Personal Finance

The best side hustles for busy parents this Christmas

| Ruby Layram

A side hustle is a great way to earn extra money this Christmas. Here are the best side hustles for…

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Man sat at laptop computer using credit card to pay online using mobile phone
Personal Finance

Are charity credit cards the best way to give back this festive season?

| Ruby Layram

Charity credit cards allow you to give to charity when you spend. But are they the best way to give…

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Elderly man giving a Christmas present to his wife
Personal Finance

Christmas shopping on a budget? 5 gift buying tips that will help you to save money

| Ruby Layram

With Christmas just around the corner, Ruby Layram looks into five things you can do to give great gifts on…

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A young woman sitting on a couch looking at a book in a quiet library space.
Personal Finance

70% of women don’t have any investments: here’s how to improve investing confidence

| Ruby Layram

Confidence is the key to successful investing. Here's how you can improve your investing confidence and start building wealth.

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Lady kissing laptop
Personal Finance

How to bag the best Cyber Monday deals

| Ruby Layram

Cyber Monday is one of the biggest shopping events of the year. Here's how to make the most of the…

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Young people friends meeting in quarantine and greeting without touching their hands
Personal Finance

Revealed! The cheapest university cities in the UK

| Ruby Layram

Worried about funding your university experience? Here are the university cities with the lowest cost of living in the UK.

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smiling couple holding champagne glasses and looking at camera at home with christmas tree
Personal Finance

10 cheap places to buy a real Christmas tree this year

| Ruby Layram

Aiming to keep a closer eye on your spending this Christmas? Here are 10 of the cheapest places to buy…

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Home key with house keyring with calculator.
Personal Finance

Struggling to get your remortgage application approved? 5 ways to improve chances of success

| Ruby Layram

Thinking of remortgaging? Around 10% of remortgage applications are declined. Follow these 5 tips to improve your chances of application…

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Modern suburban family houses with car on driveway
Personal Finance

“My £2,000 per month side hustle has helped me save for my first family home!”

| Ruby Layram

Hashim Ruan is saving up to £2000 per month from his side hustle. Here's how the Londoner achieved his success.

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Modern brick houses, built to traditional designs on a housing development in Northern England.
Personal Finance

Green gas levy to hit household bills! Will it affect you?

| Ruby Layram

The new green gas levy will launch this autumn, and it could increase your household bills by £170 each year!…

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Personal Finance

The rise of greenwashing: why consumers are sceptical of ethical investments

| Ruby Layram

Are green funds everything that they seem? The rising demand for ethical investments has left many investors sceptical about the…

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Jar filled with coins
Personal Finance

Why I’d consider the NS&I green savings bond

| Ruby Layram

While they may not offer the highest interest rates, NS&I green savings bonds could be a great investment option for…

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Halloween concept. a couple of people dressed as witches and vampires with pumpkins for heads
Personal Finance

You could save up to £80 by swapping shop-bought for DIY this Halloween

| Ruby Layram

Do you spend more than you can afford on Halloween costumes each year? Here's how to save up to £80…

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Retirement saving and pension planning
Personal Finance

Will you be affected by the changes to State Pension rules?

| Ruby Layram

The new State Pension rules will take effect in January 2022 and will affect some UK, EU, EEA or Swiss…

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University graduate student diploma piggy bank
Personal Finance

Teachers could receive a £3K pay rise: is the government making a U-turn?

| Ruby Layram

The £3K teaching bonus will be available to teachers in the fields of Maths, Physics, Chemistry and Computing for the…

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