Emma Lunn is a multi‑award‑winning freelance journalist specialising in personal finance, with more than two decades of experience covering money matters. Emma has bylines in many leading UK publications, national newspapers, magazines and websites. Her writing spans consumer finance topics such as mortgages, insurance, savings, debt management, energy bills, student finance and pension planning - always focused on clarity and insight. Based in London, she prides herself on breaking down complex financial issues into digestible, actionable advice for consumers.