After ruin, Penny and Bill in temporary housing (8)

I believe the answer is:

crashpad

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'temporary housing' is the definition.
(a crashpad is a place to stay temporarily)

'after ruin penny and bill' is the wordplay.
'after ruin' becomes 'crash' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'penny' becomes 'p' (short for pence).
'and' is a charade indicator (letters next to each other).
'bill' becomes 'ad' (advertisement stuck on wall).
'crash'+'p'+'ad'='CRASHPAD'

'in' acts as a link.

Can you help me to learn more?

I've seen this clue in The Times.

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