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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

Personal Finance

Now is the perfect time to open a cash ISA! Here’s why

| Ruby Layram

The new tax year has arrived! Here's why now is the perfect time to open a cash ISA and start…

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Businessman touching on number 2022 for preparation
Personal Finance

These were the most popular stocks in March 2022!

| Ruby Layram

The beginning of a new month is a great time to review your ISA portfolio. Here's a look at the…

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

How to invest when you’re at university

| Ruby Layram

It's getting ever harder for students to plan for financial freedom. Here's how to invest at university and build money…

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Sixed group of millennial aged friends discuss investing
Personal Finance

Meme stocks are back! Is now a good time to invest?

| Ruby Layram

The popularity of meme stocks dropped after an initial surge last year. However, new data suggests that the stocks are…

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Personal Finance

Good news for FTSE 100 investors! A Russian ceasefire could lead to serious gains

| Ruby Layram

The FTSE 100 has taken major hits amid the Ukraine crisis. However, a ceasefire could be great news for investors!…

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

Is an innovative finance ISA a good investment in 2022?

| Ruby Layram

With ISA season in full swing, Ruby Layram takes a look at the innovative finance ISA and explores whether it's…

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Businessman touching on number 2022 for preparation
Personal Finance

Revealed! How to maximise your ISA profits in the next tax year

| Ruby Layram

March is coming to an end, which means the new tax year is rapidly approaching! Here's how to maximise your…

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Inflation in newspapers
Personal Finance

What is ‘stagflation’ and how might it affect the markets?

| Ruby Layram

With inflation on the rise, some experts are worried about possible stagflation in the UK. So, what is stagflation and…

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Man smiling and working on laptop
Personal Finance

Eco-friendly credit cards: are they the way forward?

| Ruby Layram

Eco-friendly credit cards are becoming popular among spenders who want to help the environment. But, are they the best way…

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Two women friends sightseeing in summer while on vacation.
Personal Finance

Don’t fancy using a credit card? 5 alternative ways to build a credit score

| Ruby Layram

Need a credit boost? Ruby Layram reveals five ways to build a credit score without a credit card to help…

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Hand holding pound notes
Personal Finance

Can you earn dividends from a stocks and shares ISA?

| Ruby Layram

Ruby Layram takes a look at how investors can earn dividends through a stocks and shares ISA. Here's everything you…

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Paying for online shopping using a credit card
Personal Finance

5 ways to pay off your credit card debt quickly

| Ruby Layram

Credit card debt is piling up across the UK, and many Brits are struggling to keep up. Here are five…

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A couple celebrating moving in to a new home
Personal Finance

Don’t miss out on this 25% government savings bonus! Open a lifetime ISA now!

| Ruby Layram

Thousands of Brits could be missing out on this 25% government bonus! Here's everything you need to know about a…

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Woman pulling baffled face
Personal Finance

Here’s how to know if an investment is ethical

| Ruby Layram

Ruby Layram takes a look at how to spot an ethical investment from a not so ethical one. Here's what…

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Trader on video call from his home office
Personal Finance

IG’s best British stocks to keep an eye on if Russia and Ukraine agree to a peace deal

| Ruby Layram

Talk of a peace deal between Russia and Ukraine could be good news for the stock market. Which stocks should…

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Close up of credit cards over grey background
Personal Finance

Good news! Interest-free credit card periods are getting longer

| Ruby Layram

There's good news for credit card users as interest-free credit card periods are getting longer! Here's how to take advantage…

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Woman looking sideways at credit card
Personal Finance

New card authentication rules mean that your credit card could be declined! Here’s what you need to know

| Ruby Layram

New card authentication rules have been introduced in the UK to reduce credit card fraud. Here's everything that you need…

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Personal Finance

Watch out! Rising fuel prices could soon affect the cost of living

| Ruby Layram

Rising fuel prices could soon affect more than just running your car! Here's how price rises could affect the cost…

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Woman pulling baffled face
Personal Finance

A disappointing time for savers! The expected base rate rise isn’t all that it seems

| Ruby Layram

Experts have warned savers not to get their hopes up about next week's expected base rate rise. Here's why savers…

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Senior Couple Walking With Pet Bulldog In Countryside
Personal Finance

How to spring clean your personal finances in 2022

| Ruby Layram

March is here, which means that now is the perfect time to have a spring clean! Here's how to sort…

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Business man on stock market crash financial trade indicator background.
Personal Finance

Meta continues to rise! Here’s what happened in the February stock market

| Ruby Layram

Saxo Markets has revealed the stocks most traded amongst investors on its platform. Ruby Layram takes a look at what…

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Woman using laptop and working from home
Personal Finance

Women do 40% more unpaid work than men: earn £8,700 per year by using that time for a side hustle

| Ruby Layram

Fancy making an extra £8,700 per year? Here's how you could swap unpaid work for a side hustle that fits…

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Young woman sat at laptop by a window
Personal Finance

The UK’s richest self-made women and how they made their money

| Ruby Layram

To celebrate International Women's Day, here's how some of the UK's richest self-made women made their money and how you…

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Working from home due to social distancing
Personal Finance

Almost 50% of female investors use these platforms! How to choose the best broker for you

| Ruby Layram

The number of female investors has increased by 50% in recent years. Here's what female investors should look for when…

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Row of terrace houses.
Personal Finance

Average UK rent climbs to more than £1,000! How to secure a cheaper monthly rate

| Ruby Layram

The average UK rent is at an all-time high! Here's where and how to find the cheapest rates for your…

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

5 qualities I look for in a stocks and shares ISA

| Ruby Layram

Wondering which stocks and shares ISA to invest in? Here's what I look for in a stocks and shares ISA…

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

Can I invest in a stocks and shares ISA for my kids?

| Ruby Layram

Are you looking for a way to save money for your child's future? Here's how you can invest in a…

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Father working from home and taking care of baby
Personal Finance

Parents watch out! 125,000 Child Benefit claimants owe money to HMRC

| Ruby Layram

Parents around the UK could be hit with an unexpected child benefit tax bill! Could this apply to you and…

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Young casual man and girl using laptop while looking at invoice and plan the budget to save.
Personal Finance

This loophole could help you beat the rising energy price cap!

| Ruby Layram

Worried about the energy price cap? Here's how some meter users could delay the price hike and continue paying their…

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Young casual man and girl using laptop while looking at invoice and plan the budget to save.
Personal Finance

LISA savings reach record highs! But could savers be caught out by inflation?

| Ruby Layram

A record number of people are maxing out their LISA savings account each year. But saving into a LISA could…

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

Fuel prices surge to more than £1.50 per litre! How to save money on petrol

| Ruby Layram

Fuel prices have soared to all-time highs, further tightening the financial squeeze! To ease its grip, here are some ways…

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Man smiling and working on laptop
Personal Finance

These are the 5 monthly habits of an ISA millionaire!

| Ruby Layram

Fancy becoming an ISA millionaire? If so, here are the five monthly habits that could help you to achieve your…

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A person holding onto a fan of twenty pound notes
Personal Finance

How many years of maxing out a stocks and shares ISA might it take to become a millionaire?

| Ruby Layram

Want to join the ISA millionaire club? Here's how many years of maxing out your ISA allowance it could take…

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Anxious young man biting his nails fingers
Personal Finance

Student loan changes could cost graduates over £100 per year!

| Ruby Layram

The repayment threshold for Plan 2 and Plan 3 student loans will freeze in April 2022. Here's how the student…

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Close-up Of A Piggybank With Eyeglasses And Calculator On Desk
Personal Finance

5 long-term investments for a wealthy retirement!

| Ruby Layram

Dreaming of a wealthy retirement? Here are five long-term investments that could help to boost your pension pot and secure…

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Middle age senior woman sitting at the table at home working using computer laptop clueless and confused expression with arms and hands raised.
Personal Finance

Ask a Foolish question: “can I buy US stocks through a stocks and shares ISA?”

| Ruby Layram

Ruby Layram takes a look at everything you need to know about trading US stocks here in the UK through…

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Hand holding pound notes
Personal Finance

Brits could receive an extra £25 due to Storm Eunice! Are you eligible?

| Ruby Layram

Some Brits may be able to receive an extra £25 from the DWP to help with increased heating and energy…

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

3 unusual ways to cut down your energy bills!

| Ruby Layram

Worried about the energy price cap increase? Ruby Layram shares three unusual ways to cut your energy bills that you…

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Older woman worried about the future
Personal Finance

4 ways to protect your funds from pension scams

| Ruby Layram

Pension scams are on the rise! To prevent you from losing your savings, here's how to protect yourself from pension…

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Senior woman wearing glasses using laptop at home
Personal Finance

Revealed! The new State Pension is closing the gender gap

| Ruby Layram

The new State Pension is closing the gender gap and making women better off, but many could still be claiming…

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