Archive: MoneySavingExpert's Money Tips Email

06 May 2020

Over 50 ways to save, incl... new Covid support?, cheap Brit Gas, ditch Santander 123, LISA change, Tui, NHS freebies, £2.50 Asos, tax code calc, hot 4GB Sim, 5% cashback

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Plus... NHS freebies, £2.50 Asos, tax code calc, hot 4GB Sim, 5% cashback


Martin's coronavirus update

16 NEW need-to-knows, incl: 
New support for self-employed & ltd co directors? | LISA changes | Student loan repayment cut | Faster self-employment income support | Insurance payment hols | Tui help | NHS staff freebies & more...

Finally this week there's a bit of hope for some who've fallen into the cracks between support schemes. While far from ideal, it's a way to use the new Bounce Back Loan Scheme to support yourself, and as James tweeted me yesterday after we published our guide: "@MartinSLewis Thanks for all your help with this Martin, I feel like I can breathe a little for the first time in 6 weeks."

And that's one of the reasons why, when last week I said it'd possibly be the last time we led the email on coronavirus news, I spoke too soon. I've still got 16 new things I need to tell you. As ever, for the full picture see our 7 constantly-updated guides...

Coronavirus employees' help, incl furloughing rights
Coronavirus self-employed & small ltd co help, incl income scheme
Coronavirus finance & bills help, incl mortgages, energy & TV
Coronavirus travel rights, incl refunds & insurance
Coronavirus life in lockdown, incl MOTs, food & ents
Coronavirus financial FAQs, commonly asked Q&As

And finally, as I say each week, while we strive for 100% accuracy, please give us just a touch of wriggle room as things are changing all the time.

The 16 NEW coronavirus financial NEED-TO-KNOWS

1) New. Govt small biz bounce back loans usable to SUPPORT YOUR INCOME, incl for those with no other support (eg, new self-employed, ltd co directors). Since Mon, the new 100% state-backed bounce back loans, for up to £50,000, have been available. They're interest and payment-free in the first year - so pay it off then and it's no cost, and at a very low 2.5% annual interest after that.

Normally we don't cover business finance, but I wanted to here, as I'd had an inkling you could effectively turn this into a state support scheme for those who've missed out on the official ones, ie, newly self-employed, self-employed with £50k+ profits, ltd co directors (to an extent) and more.

We've now had it officially CONFIRMED there's nowt in the loan rules stopping you using these loans to support your income (though there can be tax/regulation issues depending on your firm's structure). Of course it's far from ideal - these are loans, not grants - but it's an option. So I've worked with MSE Kit, Steve, Jo and Callum to rapidly put together our new Bounce Back Loans guide, incl...

- How bounce back loans work & what they cost.
- Bank-by-bank rundown of what's on offer.
- How to use them to support your income.
- Detailed Q&A with the Treasury.

2) The Competition & Markets Authority (CMA) says firms must offer cash refunds for cancellations - you can REPORT FIRMS that don't. Regulator the CMA says it's been swamped (as have we) with complaints from consumers who are being rejected for refunds after coronavirus cancellations, and it says regardless of the contract, you are usually due a full refund if:

- No goods or service was provided.
- The firm can't provide the service due to lockdown.
- You can't use the service due to lockdown.

It's investigating all sectors, but will start with 1) weddings and private events, 2) holiday accommodation and 3) nurseries/childcare providers. It'll first talk to firms that fall foul, and then look at enforcement action (ie, take 'em to court) if they still don't comply. You can report firms directly for it to look at. See how to report firms and watch me interview a CMA boss where we talk through exactly what your rights are.

3) The Lifetime ISA (LISA) withdrawal penalty has effectively been REMOVED for a year. All first-time buyers aged 18-39 should consider saving in a top LISA, as the state adds an unbeatable 25% on top towards your first qualifying home. So put the maximum £4,000/yr in, and that's £1,000/yr added for free.

Yet withdraw money for any reason other than buying a qualifying home or once you're 60+, and you effectively pay a 6.25% penalty. To help people access funds during coronavirus, that's now been removed until 5 Apr 21, backdated to 6 Mar 20 (ie, if you've done it since then you get the money back). Here's how the penalty works...

The standard LISA withdrawal fee is 25%. So put £1,000 in, you get the 25% bonus = £1,250. Withdraw it and 25% was taken off = £937.50, ie, a 6.25% loss.

Now the withdrawal charge is just 20%. So put £1,000 in and you've £1,250. Withdraw it and 20% is taken off = the £1,000 you put in.

Those who've got an existing Help to Buy ISA, the LISA's predecessor, never paid a penalty anyway, so there's no change there.

PS: I've never thought the penalty was a good idea, it's too much of a barrier - we will be lobbying against its reintroduction.

4) Student loan repayments cut (as the threshold's increased). I've had many questions about what happens to student loan repayments when income's reduced. While nothing has structurally changed, the way all (post-1998) student loans work means you repay less if your income drops and this has just been give a boost by the annual April increase to the threshold. Exactly how it works, depends on which student loan plan you're on...

- Plan 2: (All Eng & Wal who started uni in or after 2012). You now start repaying above annual earnings of £26,575 (was £25,725). More detail in Overpay Plan 2 loans?

- Plan 1: (All Scot & NI starters since 1998 and Eng & Wal starters 1998-2012). You now start repaying above annual earnings of £19,390 (was £18,935). More in Overpay Plan 1 loans?

University leavers repay 9% of income above these thresholds, so the increase means if your salary hasn't gone up, you pay less, eg, for someone on £30,000, you now repay £76/yr less on a Plan 2 loan, £41/yr less on Plan 1.

Now the numbers for someone who's been furloughed, taking the example of someone earning £30,000 on a Plan 2 loan. In Feb they were repaying £32/mth, now the furlough pay cut takes them under the new threshold, so they pay nothing.

PS: Also see pre-1998 uni starters student loan help.

5) INSURANCE payment holidays - car, home, travel, boiler, life, private medical & more - available on request from next week. Regulator the Financial Conduct Authority has announced proposals, likely to be rubber stamped this week and in place by next Wed (13 May), that mean people can get the following:

- Payment holidays for 1-3mths on request. This is for those paying monthly insurance and struggling due to coronavirus. As most monthly insurance payments are actually loans, interest still racks up, so only do this if really needed.
- Waiving cancellation fees for those ending policies.
- Reassessing policies on request to ensure they're suitable. For example, if your car mileage has dropped substantially - and they shouldn't charge fees if you do change.
- Remove 'unnecessary' extras on request. For example, if you want to drop your 'key cover' as you're not driving, it should be allowed free of charge.

Remember these come in next week, so if you've tried already and been rejected, you can retry then to get the outcomes above.

6) Self-employment income support payouts COMING FASTER. The Self-Employment Income Support Scheme will pay out 80% of profits, up to £2,500 a month, to those who are eligible. We had been told contact would come mid-May, and payouts June. Yet that's been accelerated.

- Contact from HMRC to start this week by letter, text and email (do be careful if you get one, to check it isn't spam).
- Applications open Wed 13 May.
- Payments to reach accounts 6 working days from application, so the first payment will be on 21 May. The payment is currently planned to cover Mar, Apr and May, so three months' payout.

Want to know your application appointment date now? You don't need to do this, but HMRC has an online eligibility tool for the scheme - if you go through that, afterwards you'll be randomly allocated a date from 13-18 May.

PS. If you are expecting to be eligible and the tool says you're not, please let us know and explain your situation, so we can work on how to help everyone in a similar position.

7) New MSE Coronavirus 112 Frequently Asked Questions. The MSE team's gone above and beyond to provide all the key info needed to help you through coronavirus finances. Our main guides are rammed with info, but we know (I certainly do via social media) that 100,000s of you just want quick answers to quick questions. To help, this week we're launching our full Coronavirus 112 FAQs guide, as an alternative easy route to help you find answers.

8) NHS staff freebies & discounts, incl tax help for returning retired NHS staff. We all want to clap our heroic NHS workers (I first wrote "want to give them the clap" - glad I realised) and many firms want to reward those risking their lives to protect the rest of us - from supermarket discounts to free parking, free mobile data and more. So we've happily compiled them, including an accountancy firm that'll now help NHS returnees with their tax codes so they don't overpay. See NHS staff freebies and discounts.

9) Tui has now cancelled 900,000 holidays up until mid-June - how to get a full refund. The package holiday giant's now cancelled all trips due to depart up until Thu 11 Jun (plus some cruises further ahead). The rules here are plain: when package holidays are cancelled, you're due a refund within 2 weeks. Yet like many others, Tui's making you jump through hoops to get one - however, our Tui refund tips will help you leap, and done right, people are getting their cash back.

10) Ryanair, British Airways, Hoseasons, Sykes help. Just a reminder that we already have specific tips and help for a variety of firms including Ryanair, British Airways, Hoseasons and Sykes, as well as general help that applies to all firms in our Coronavirus Travel Rights guide.

11) Payment holiday deadline dates. If your finances are degrading and you're debating whether to take a payment holiday, don't panic. There's still time available, so you don't need to do it now, you can wait and see if you really need it. Here are the last application times for key schemes and links to more info...

- Until at least 20 Jun: Mortgage payment holidays
- Until 9 Jul: Credit & store cards, personal loans & catalogue debt
- Until 27 Jul: Car finance (PCP, lease, HP), pawnbroking, buy-now-pay-later & rent-to-own, payday loans (interest & payment hols)
- Until 13 Aug (TBC): Insurance, eg, car, home, loan payments
- Until 20 Oct: Individual voluntary arrangements

Also remember you can request an up-to-£500 0% overdraft too.

12) Students in Eng will still be charged tuition fees as normal for 2020/21 - even if unis haven't reopened. Ministers have said this week that students in England starting or continuing uni from September will have to pay full fees (no confirmation from Wales & NI yet), whether or not the uni has reopened for face-to-face teaching or is still teaching online by then.

Of course, as always, if you believe teaching is substandard you have a right to complain, but not simply because it's not in person. See tuition fees 2020/21. Plus if you're new to student finance, watch my Student Loans Decoded programme, which takes you through it step by step.

Also see our student accommodation coronavirus help.

13) Has your travel firm been a cancellation refund angel or devil? Please take our 3min survey. We've launched a firm-by-firm survey asking about travel and holiday accommodation cancellation and refunds. As with our earlier 'all sectors' survey, we'll use this to flag up problem areas to regulators, the CMA and Govt; as well as to help focus our work. Please take our 3min travel refunds survey.

14) Free online courses to boost skills during lockdown. The Govt's launched a Skills Toolkit including courses on numeracy, coding, digital marketing, literacy and social media skills - all useful in many jobs. These are available to all, whether in work, out of work or furloughed (training is allowed during furlough).

15) Universal credit system unclogging - if you've not applied, now's the time. The UC system had been creaking, peaking at 148,000 applications in a day, well over 10x normal demand. The most recent figures, for a week ago, are that it was down to 32,000, which should mean things are running more smoothly and quickly. So if you're struggling due to lower income, it's worth checking - our Coronavirus Universal Credit Help will take you through it.

And remember you can be eligible for UC even if you're getting other help, such as furloughing or self-employed income support. These will just be counted as income when they work out how much you may get.

16) Umbrella companies, dental nurses & more. We've lots of irons in the fire at the moment. Some things I'd hoped to include this week we're twiddling our thumbs waiting for replies on. I'm still pushing hard to get official public clarification on supply teachers who work via umbrella firms guidance, we've got calls in over the dental nurse situation and more. Updates here next week, or follow me and/or MSE on social media, and via MSE News.

The Martin Lewis Money Show LIVE (from home)
EVERY Thu at 8.02pm (after NHS clap) on ITV

In this week's must-watch Thursday financial briefing (if I say so myself), I'll talk you through many of the key tips above, and more, plus new deals, and MoneySaving tips too. Of course as we're live I can answer your questions as well, just tweet me @MartinSLewis using the show's hashtag #MartinLewis. Do tune in or press record on your VCR.


DON'T believe the fake ads on Facebook
Lots of scam ads that litter social media lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.



New. Cheapest British Gas energy FIX in over 3yrs, though it's for new customers only and can be beaten. It's time to switch & SAVE £340+/yr

Another week, another host of new cheap energy FIXES for switchers, letting you lock in rates (though what you actually pay depends on usage) on the back of the unthinkably low oil price. All three of these tariffs below also have 100% renewable (green) electricity. And the impact of switching can be huge, as Sue tweeted: "@MartinSLewis Thank you Martin, I switched supplier this morning and have saved £600/yr."

Savings below are compared to the standard tariff PRICE CAP of £1,127/yr on typical dual-fuel use (more than 50% of people are on one of these tariffs). As YOUR winner depends on use and region, all links go via our Cheap Energy Club for an accurate comparison, and it also gives MSE £25 dual-fuel cashback if we can switch you (you don't get it direct).

  • New. Cheapest fix, SAVE £361/yrThe Tonik Green Super Power (1 Year) v3 fix is for dual-fuel and elec-only custs. We call it the cheapest fix on the market, though there is one cheaper, but it has a very poor service rating (it will appear if you do a full comparison). Tonik's own service rating in our last poll is superb, at 89% 'great', but be aware that in recent weeks we've seen a spike in billing and switching complaints, so we just wanted to let you know that, although we don't yet know how big a trend this is.

  • NewBritish Gas's cheapest tariff in over 3yrs (includes 'free' boiler cover), SAVE £346/yr. MSE Blagged. For those who want a name they know, the new dual-fuel British Gas Energy and Boiler Cover May 2021v4 1yr fix is the cheapest Big 6 tariff on the market. It's for new custs only and comes with a year's boiler cover included (this normally costs £30/yr, so cancel it after the year if you want to avoid that).

  • Next cheapest big-name fix, save £344/yrMSE Blagged. If you're with BG and want to save large with another big name, the dual-fuel or elec-only E.on Fix 1 Year Exclusive April 2020 fix is the next cheapest. It's only avail to new custs, and this price is only via our Cheap Energy Club (the link goes there). You need to agree to have smart meters fitted if you don't have them already - they'll be installed for free once lockdown is over.

  • Switching is easy - little changes apart from service and cost. Switch firm and it's the same gas, same elec and same safety, the only thing that changes is the customer service and who bills you. Your supply isn't cut off as part of the process, while no one visits your home unless you want or need smart meters (though installations are paused for now). See our switching FAQs for more help.

    Though please don't call firms unless you really have to. Their phone lines are clogged with vulnerable customers needing help due to coronavirus finances right now. You can do everything online, so please try to.


New. Martin: 'Santander 123 now deader than a dead duck as it cuts interest again - DITCH IT'. When it was announced in Jan that the once-great Santander 123 current account would drop its interest from 1.5% to 1% (which took effect yesterday), Martin said it was a dead duck. Now it's said from Aug that'll drop to 0.6%, yet the £5/mth charge remains. As you get the SAME BILLS CASHBACK via its £1/mth Santander 123 Lite*, and you can double the savings interest to 1.2% AER variable in sister banks Saga* (no min age) or Marcus's easy-access accounts, just switch to those. Full analysis in our Ditch Santander 123 guide. 

£2.50 Asos, New Look, Topshop etc clothes, shoes & bags. Discount retailer sells surplus stock from high st giants & others at knockdown prices - they're usually £5, but its sale makes 'em £2.50 + norm £4 del. Most of the £2.50 items are in the women's range, though it's still only a fiver for men's stuff. Everything5Pounds sale

New. 6 'not driving much' motoring tricks, incl prevent flat batteries, tyre tips & cancel insurance? See our motoring lockdown tips.

Use our free tax code checker - MILLIONS are wrong, and income changes mean it's never been more important. Your tax code is a series of letters and numbers, eg, 1250L, that tell your employer/pension provider what tax to deduct. Now you've likely got the first payslip of the tax year (which began in Apr), and with many earning less given 6m+ are on furlough alone, it's vital to check the code is right. If wrong, it can mean you're overpaying or underpaying (where you'd get a big shock when they ask for it back). See our Free Tax Code Calc.

New. Cheapest 4GB Sim we've seen - '£5.92/mth' from BT's Plusnet. MSE Blagged. With this 1yr deal, newbies to Plusnet* (uses EE) who apply by Wed 20 May get 4GB/mth data + unlimited calls & texts. It's £8/mth, but as you're sent a £25 prepaid Mastercard - almost as good as cash - it's equiv to £5.92/mth. As most use less than 3GB/mth of data (according to our latest poll in Jan), this amount should suit most. Full help and more deals in Top Sims.

At last... somewhere you can forward scam emails. A reminder from last week. Send them to, and the National Cyber Security Centre (part of GCHQ) analyses them and can remove the culprit sites. Pls spread the word.


New. Top cashback credit card pays FIVE PER CENT back for 6mths

It was 5% for 3mths - you've now twice as long to earn the high intro rate. Similar Sainsbury's boost too

Always try to GET PAID TO SPEND - and cashback credit cards offer that opportunity. Of course, lenders that issue them want you to rack up costly interest, but we say only get one if you'll neuter that threat and max the gain by doing all normal spending on it (it's not an excuse to overspend) and paying it off IN FULL each month so there's no interest.

And American Express - which pays the highest rewards but isn't accepted everywhere - has just doubled the time newbies (you can't have had one of its personal reward cards for 2yrs) have to earn its intro awards. It's now 6mths, as spending is down, though the previous caps apply. If already in an intro period, you get the boost too. Full info in Credit Card Rewards, in brief...

  • Top card: fee-free 5% cashback for 6mths (max £100). Accepted Amex Plat Everyday (eligibility calc / apply*) credit card applicants get 5% cashback on the first £2,000 of spending in the first 6mths. Once you're over £2,000, or after 6mths, the rate is 0.5% cashback on up to the next £5,000/yr, and 1% above that. Though you need to spend £3,000+/yr on the card to get any cashback, which is paid annually. Fail to repay fully and it's 22.2% rep APR.

    Spend over £10,000/yr? 
    Even though the Amex Plat Cashback (eligibility calc) charges a £25 annual fee, as the cashback is more generous, you'll earn more if spending over £10,000/yr - full info via the eligibility calc link, where you can also apply.
  • Sainsbury's shoppers can beat that with quasi cashback. The Amex Nectar (eligibility calc / apply*) gives a bonus 20,000 Nectar pts once you hit £2,000 spending on it in the first 6mths. Crucially, this is on top of the usual 2 Nectar pts per £1 spent, so hit the trigger and you'll end up with at least 24,000 pts. These can be redeemed as £120 at Sains/Argos/eBay etc (or more if Sains runs another double-up promo). While fee-free in the first year, there's a £25 annual fee after but you can cancel it before. Fail to pay off in full each month and it's 27.3% rep APR.
  • The Credit Card Rewards Golden Rules.
    a) Do all normal spending on the card to maximise the gain - but it's not an excuse to overspend.
    b) Always repay IN FULL each month, preferably by direct debit, to avoid interest that will dwarf the gain.
    c) Never withdraw cash. You pay interest on it even if repaying in full, and it hits your credit score.
    d) Never go over your credit limit, or you can be fined.

 Full options, incl alternatives if you won't hit the spending triggers, in Credit Card Rewards (APR Examples).


How to get on supermarket priority lists + lots more grocery help if you're vulnerable. A reminder of MSE Sarah's hugely popular blog from last week with essential grocery help if you're vulnerable.

Earn £50-£150 in a few hours by joining an ONLINE focus group. Some MoneySavers make £1,000s - and now the groups have moved online. Make cash from market research

Free games (incl Pokémon Quest and Fallout Shelter), save up to £80 on consoles, play Red Dead Redemption 2 on Xbox for £1 + 15 more MoneySaving gaming tips. It can be an expensive hobby, so we've a raft of MoneySaving gaming tips.

£20 for 5 full-size Ciaté nail polishes (norm £60). MSE Blagged. Incl pastel and shimmer effects, 1,200 avail. Ciaté

Decisions soon on claims against the now-defunct London Capital & Finance. Investors have struggled to get their money back since the bonds firm collapsed last year, and the Govt's Financial Services Compensation Scheme now says it'll start telling custs whether they're owed compensation for claims relating to "misleading advice" by the end of May (though sadly most still won't be eligible). See LCF latest.


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Longest 0%: TSB* up to 30mths 0%, 2.95% fee (19.9% rep APR)
No-fee 0%: 
Santander 18mths 0% (18.9% rep APR) or 20mths 0% if you're a NatWest/RBS customer (19.9% rep APR)

Get comparison site quotes in this order:

  1. MoneySupermarket*
  3. Compare The Market*
  4. Gocompare*

Then check insurers they miss: 
Direct Line*

Cheapest for £5,000-£7,499: Tesco Bank 3.4% rep APR (1-3yrs)
Cheapest £7.5k-£15k:
 Cahoot 2.8% rep APR

Standard b'band & line rent: Shell Energy equiv £15.91mth
Fibre b'band & line rent: 
Shell Energy equiv £17.74/mth
Superfast fibre b'band & line rent: Vodafone equiv £20.04/mth

1-3% cashback on bills: Santander 123 Lite
2% interest fixed for a year: Nationwide FlexDirect


Extra 40% off Hot Diamonds outlet, eg, £40 earrings for £17. MSE Blagged. Delivery's £5. Hot Diamonds

"We paid £2,800 on a debit card for flights that were cancelled. We couldn't get through on the phone or through messaging, so asked our bank to do a chargeback. We had the money within an hour."
(Send us yours on this or any topic.)



Are you good with numbers? Take the National Numeracy Challenge. Being better with numbers isn't a special talent. We can always brush up on our skills, and use them to make the most of our money. See how your maths skills hold up, and via that link you can take bite-sized lessons and get tips to develop them if you need to.



When did you last switch energy provider or tariff? With many feeling the financial squeeze caused by coronavirus and looking to cut their monthly bills, switching to a new energy provider (or at least to a new deal with your existing provider) is an easy way to save £££s. But when did you last switch?

MoneySavers are most likely to spend £300-£400/mth on bills. Last week, we asked how much you spend on your monthly bills (eg, council tax, utilities, TV etc) and whether this had changed recently. 6,000 people responded - 25% said they spend £300-£400/mth (the most common answer).  And while the majority said their bills had stayed the same since the UK's lockdown began, some 24% said their bills had gone up. See full bills poll results.



Should I charge my son for living at home after returning from uni due to coronavirus? It seems likely he'll be spending the whole of the summer term with us now, and the cost of our food shopping has increased, as will our other household bills. He is saving money as he isn't being charged for his uni accommodation, so should I ask him to contribute to our bills? Enter the Money Moral Maze: Should I charge my son for living at home after returning from uni due to coronavirus? | Suggest an MMD | View past MMDs


Everything5Pounds - £2.50 clothing, shoes, bags etc sale
Plusnet - 4GB Sim with unlimited calls & texts for '£5.92/mth'
Gaming tips & tricks - Incl 'free' games, save up to £80 on consoles
Ciaté - £20 for five full-size nail polishes (norm £60)
Hot Diamonds - Extra 40% off outlet code

Meditation apps - Eg, Insight Timer and Calm
Grown-up colouring drawings - 1,500 free printouts
Yoga & pilates - Incl popular YouTube videos
Connect with people - Free video apps and what they're good for
Wellbeing podcasts - Eg, overcoming anxiety

Ancestry - Free UK records, no payment required (ends Sun)
Amazon Prime - Easy £1 back on many purchases
Theatre - Free past shows on YouTube, eg, Frankenstein
Peloton - Free workouts for 90 days, incl yoga & cardio
Vision Direct - 20% off everything, eg, contact lenses

The MSE Forum is full of quick tips, including:
Cut your grocery budget - Check out ways to shop and save
Keep fit for free - Lockdown fitness ideas
Make extra cash online - How much can you make in 2020?



Wed 6 May - Good Morning Britain, ITV, 8.20am
Thu 7 May - This Morning, phone-in, ITV, 10.30am
Thu 7 May - The Martin Lewis Money Show - Coronavirus Special, ITV, 8pm
Mon 11 May - This Morning, ITV, 10.55am & phone-in, 11.30am
Mon 11 May - BBC Radio 5 Live, Ask Martin Lewis, 12.15pm. Listen again


Wed 6 MayBBC Radio York, Mid-morning with Jonathan Cowap, from 10.05am, Guy Anker
Mon 11 May 
- BBC Radio Manchester, Drive with Phil Trow, from 2.25pm
Tue 12 May
- BBC Radio Cambridgeshire, Lunchtime Live with Jeremy Sallis, from 12.25pm



That's it for this week, but before we go... since we stumbled upon an old blog last week about the day Martin met Mick Jagger, you've been telling us the biggest celebrities you've bumped into, and we're sharing the heartwarming ones. From taking a lift with Nelly Furtado in Rio and chatting to Ewan McGregor in Libya, through to shaking hands with Muhammad Ali in Australia and cruising with the Backstreet Boys, you've spotted celebs far and wide. Let us know the biggest celebrity you've met in our Facebook post.

We hope you save some money,
The MSE team