Hi, I'm Ruth, based in Halifax, West Yorkshire. I joined UW as a partner in September 2021 and love the freedom and financial security it's given our family. My husband and I are both freelancers in the arts and education sectors which can be unpredictable. Being with UW has meant we never have to worry about any gaps in income and we also now have a plan for long-term financial security too. I absolutely love helping people save money! Knowing that I've helped a family save £100s just by spending 20-30 minutes with me is the best feeling. If you'd like to know more please do call or message, I'm always happy to chat and explain how it works.













