Archive: MoneySavingExpert's Money Tips Email

20 May 2020

Over 50 ways to save, incl... hol refund hell firms, cheap Dyson, WFH taxback, £19/mth fibre b'band, mortgage hol alert, Easyjet hack help, extreme beauty savers, £6 Sim

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Martin's coronavirus update

13 NEW need-to-knows incl: 
53 hol firms ranked for refunds | Work from home tax break | Lock in 1.16% easy access | Mortgage pay hols CAN impact credit | Supply teachers | Self-employ or pay holidays extended? | Static caravans & more

It's my tenth weekly 'coronavirus new need-to-knows'. Staggeringly, the flow of information remains constant. I hope we've been able to help you, or at least help you understand when, sadly, there is no help.

This is a tough period for many, so it's rather appropriate this is Mental Health Awareness Week. Like most people, over the years I've had my dark days. And in this stressful time, we all need to remember to be kind to ourselves as well as others, and do what's needed to look after ourselves, be it smiles, silliness, a walk or a talk.

Sadly, debt and mental ill health are a marriage made in hell. It's now 9yrs since I wrote the first incarnation of the MSE Mental Health & Debt guide - with the aim to treat it like any other financial issue. I've since set up the MMHPI charity (who, as always, would love those with lived experience to join its policy feedback panels).

Next week I'm planning some half-term family time, and might play a couple of (very poor) rounds of golf. Though I'll be back if big news breaks. Meanwhile, most of the MSE team are still hard at it, keeping on top of things and, crucially, updating our key coronavirus 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 & entertainment
Coronavirus financial FAQs, commonly asked Q&As

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

The 13 NEW coronavirus financial NEED-TO-KNOWS

1) The 53 best and worst travel firms for refunds: Ryanair and Teletext fail, Hays Travel succeeds. Over 27,000 of you responded to our travel refunds survey, building up a huge pile of data. As part of this, we were able to order 53 travel firms ranked for refunds by subtracting the 'poors' from the 'greats'.

Plaudits to top performers Travel Counsellors (+95) and Hays Travel (+70). A sad shake of the head at Travel Trolley with a shocking (-95) and similar at big names Teletext (-94), Ryanair (-82) and Tui (-60). See how your firm fared and, if still struggling, our how to get travel refunds help.

We will be forwarding a more detailed dossier on this to the Department for Business and the Competition & Markets Authority.

2) Working from home? Claim tax back on additional expenses. If your employer requires you to work from home, as many have done in recent months, and that means you've had increased costs, eg, heating and electricity, you're entitled to claim something. This can either be tax-free extra cash from your employer (not common right now) or, if it won't, a tax break. And you don't need receipts for expenses of up to £6/wk.

We've had a huge response since I first wrote my how to claim tax back for working from home blog on this. And it's a good time for this reminder, with some now returning to their usual places of work after working from home.

3) Taking a payment holiday may hurt mortgage applications via the back door. Ever since mortgage and other payment holidays launched, we've been assured by the regulator that it won't impact credit files. Yet I started investigating a tip-off that some firms are looking at using Open Banking data or payment records to work out if you've had a mortgage holiday, then factoring it in. I've asked the FCA about it. Full info and what it means in when payment holidays may hurt applications.

4) Lock in 1.16% NS&I easy-access as savings rates tumble again. The UK base rate dropped to a 325yr low in Mar, just 0.1%. Savings rates have gradually crumbled since and the prior top easy-access players, Marcus and Saga, have cut rates again, from 1.2% to 1.05% and 1%.

The highest rate now is state-owned NS&I's Income Bonds (don't worry about the name, it's just an easy-access account) at 1.16% AER. Crucially, the terms say it has to give a min 2mths' notice to drop rates, so that's some short-term protection at least. Alternatively, lock cash away for 1yr with app-only Atom Bank at 1.4% AER. Full info in Top Savings.

5) Will the Self-Employment Income Support Scheme (SEISS) be extended? Last week, the furlough scheme for employees was extended until Oct. So no surprise the most common question I've had this week is whether SEISS will be extended too. While the lump sum payouts are being made now, these cover income for Mar to May, so the period covered ends in just 11 days.

Sadly, there is no official news, and I'm afraid the response to the feelers I've put out aren't great. SEISS's future is currently being considered, but it's far from certain if another lump sum will come. I've tweeted the Chancellor on it (feel free to retweet to increase the pressure). Overall, to manage expectations, I'd say it's only 50-50 if there'll even be another payment. I hope for news soon - updates as always via my social media, in the coronavirus self-employed guide and here.

6) Mortgage and other payment holidays unlikely to be extended. If you'll need one, know the deadline dates. Another question that's filled my (e)mailbag is whether payment holidays will be extended too.

I think it's unlikely we'll see the 'anyone can ask for and get a payment holiday' schemes continue, especially for mortgages. These were stopgap solutions designed to get people over the hump, before the support schemes launched.

Instead expect to see more targeted help, specifically for the group who were fine financially before all this, are struggling now, but should be able to get back on their feet once it's all over.

If you haven't taken a payment holiday and may need one, there's still time, but don't do these unless you have to. Knowing the last application dates is important...

- 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 18 Aug: Insurance, eg, car, home, loan payments
- Until 20 Oct: Individual voluntary arrangements

7) CONFIRMED: Umbrella and agency supply teachers' contractual bonuses should be included for furlough. We've been pushing on this a long time - I'd even managed to get HMRC to give me a quote on it. And last week, hurrah, finally the Govt's official guidance for employers was quietly updated to match that quote, saying: "When variable payments are specified in a contract and those payments are always made, they may become non-discretionary. If that is the case, they should be included when calculating 80% of employees' wages."

This clears up the big issue for supply teachers in Eng/Wales. They tend to earn minimum wage, plus bonuses on top (to allow easy pay changes for different work). Many umbrella firms had told teachers they were just due 80% of min wage, as the bonuses are 'discretionary'. Now, we hope all firms will furlough at the higher amounts.

We've checked and sadly past furlough pay can't currently be backdated (though HMRC is considering changing that) but, as many firms are currently applying for the money for May's payroll, they are allowed to adjust the amount for that. Full info in supply teacher pay.

8) Ltd co directors - watch HMRC boss's answer as to why dividends weren't covered in self-employment help. I asked him via my ITV show (thanks to ITV for the clip) - watch HMRC on directors' dividends.

9) Warning. DON'T cancel your summer holiday. If you are trying to shore up your plans, and thinking of cancelling as "it won't happen" or "I won't go anyway", be careful. Unless the company has a generous cancellation policy, if you choose to cancel, that's a 'disinclination to travel' and you aren't entitled to money back from the firm or your insurer.

Instead wait for the holiday firm to cancel, then you're due a refund. Even if it doesn't cancel, if the Foreign Office still advises against travel, as long as you bought travel insurance in time, most providers will cover you. If neither happens, you're likely no worse cancelling later than now. However, if you're definite you won't travel, you could ask to move the date, or for a voucher. More info: Can I cancel my trip?

Quick reference: Which support schemes to try?

Employees: 1. Furlough. 2. Universal credit.
Self-employed: 1. SEISS. 2. Universal credit. 3. Bounce back.
Ltd co directors: 1. Furlough (PAYE). 2. Universal credit. 3. Bounce back.
Zero-hrs, gig, umbrella/agency workers: 1. Furlough. 2. Universal credit.
Unemployed: 1. Jobseeker's allowance. 2. Universal credit.
Mortgage and other payment holidays.

10) New: Ask insurers to reduce cover or cancel without fees if you're struggling (car, home, travel, boiler, life, PMI and more). On Mon, regulator the FCA's new insurance rules came into play for those who, due to coronavirus, have had lifestyle changes or are financially struggling. Things they must look at include (see specific car insurance help below)...  

- Your policy is reassessed to ensure suitability: For example, if your car mileage for the year has dropped substantially, insurers shouldn't charge fees to change that on your policy and should refund or change monthly premiums to reflect the new cover.
- 'Nice-to-have' extras to be removed: Eg, if you want to drop 'all-risks cover' from your home insurance as you're not taking expensive items out of the home, it should be allowed free of charge.
- Waiving cancellation fees for those ending policies.
- Need more help? 1-3mth payment holidays: If you still can't meet monthly payments even after the above, you can get a payment holiday. Though as that means the provider lent you money to pay upfront, there's usually interest and it'll still rack up, so only do it if needs must.

If you tried in previous weeks to get help and were turned down, try again now. Full info in insurance hols.

11) Can I get a refund on my caravan pitch fees? This has been bubbling away in our mailbag for a while. A difficulty is demarking what part is paid to, if you like, 'park your caravan' and what is for the 'access and services'; then enforcing a partial refund. We're on it - here's what we know so farbut aren't there yet, so will update, please give us time. If we see what we think is institutional bad practice we'll present a dossier to the Competition & Markets Authority.

12) Tax-Free Childcare and free nursery hours in Eng won't be cut if you're temporarily working less. The additional free 15hrs of nursery time (on top of the 15hrs everyone gets) for 3 and 4yr olds and the Tax-Free Childcare scheme are dependent on earning a min income of £140/wk. When schools and childcare provisions return, if you're temporarily earning less, you'll still be able to get both as normal.

Critical workers, eg, doctors, who due to coronavirus overtime go over the £100,000 earnings cap, will still be eligible too. See coronavirus childcare rules info, which includes details for Scot, NI and Wales.

13) What do I do if I can't holiday due to 2 weeks' quarantine at my destination? Currently the Foreign Office advises against all non-essential travel, so providing you had travel insurance in place before coronavirus, you're normally covered even if the flight/holiday isn't cancelled. The quarantine issue is therefore speculative, but we're starting to prepare our quarantine-affected holidays guidance.

For example, if you need to quarantine on arrival, it's unlikely airlines or hotels will cover you if they're up and running, nor can you use credit or debit card protection, because the service is still available.

That means it'll come down to your travel insurer, where it's policy by policy. Direct Line told us it'd be covered if you bought the cover before 13 March, Admiral and Planet Earth said you wouldn't, while Leisure Guard says it depends on circumstances. If unhappy, you can take them to the ombudsman.

If however you had a package holiday, which was sold on included excursions (think all-inclusive golfing holiday/Disney World breaks) then the package travel provider may be obliged to refund you.

The Martin Lewis Money Show LIVE (from home)
Last in series: Thursday at 8.02pm (after NHS clap) on ITV

In the last in the series of TV's must-watch Thursday financial briefing (OK, I'm the one giving the briefing, and writing that, but still pls watch anyway), full of easy-to-understand explainers on the latest financial support, MoneySaving tips and key info. As we're live, you set the agenda by suggesting questions, just tweet me @MartinSLewis using the show's hashtag #MartinLewis. Do watch or set the DVD recorder.

PS: Technically it's the last in this emergency series, but I'm in discussions about restarting in a fortnight.


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. Broadband price war - Vodafone, Virgin and Shell slug it out. '£19/mth' fibre (ie, FAST) b'band & line. HALF what many pay for slower

The secret to slashing broadband & line costs is to pounce on hot, short-lived promos, and there are three on right now if you've a need for speed. It's good, as home broadband is currently the key utility - for work, streaming, video calling etc. Yet 9m are out of contract, often on rip-off prices which can reach £45+/mth for slow speeds. So let's soup it up with the top promos - fastest first...

Deals are postcode dependent, so links go via our Broadband Comparison which checks if you can get 'em
New. Vodafone
63Mb fibre (ie, VERY FAST)
(£2/mth less for some)
Ends Thu
Fastest hot deal, but only wins if you'd spend at Amazon. Apply via this Vodafone link and it's £22.95/mth, which is £551 over the 2yr contract, plus you can claim a £75 Amazon vch. If you'd have spent that anyway, the price is an equiv £19.83/mth. Existing Vodafone pay monthly mobile custs pay £2/mth less.
New. Virgin Media
54Mb fibre (ie, VERY FAST)
Ends 28 May
MSE Blagged
Cheapest fibre deal, automatic reward, but only avail to 51% of homes. Apply via this Virgin Media link and you pay £23.95/mth over the 18mth contract, but as you get an automatic £100 bill credit at the start of your contract, there's nothing to pay for 4mths. That makes it £331.10 in total, equiv to £18.39/mth.
Shell Energy
35Mb fibre (ie, FAST)
Ends 1 Jun
MSE Blagged
Cheapest fibre deal if you can't get Virgin + automatic reward. Apply via our Shell Energy link and you'll pay £22.99/mth, and you automatically get a £50 bill credit within 3mths. That makes it a total outlay of £225.88 over the 1yr contract, equiv to £18.82/mth. 
Shell Energy
11Mb (standard speed)
Ends 1 Jun
MSE Blagged
Cheapest standard speed. Apply via our Shell Energy link and you'll pay £17.99/mth, and you automatically get a £25 bill credit within 3mths. That makes it a total outlay of £190.88 over the 1yr contract, equiv to £15.91/mth.
(1) Newbies means you can't have been a b'band cust of that provider in 12mths. (2) To compare, we use 'equivalent cost' - adding all fixed costs, deducting promo cash or vouchers and averaging it over the contract.

  • Switching to Virgin? A minority will need an engineer to come round. 60% of eligible Virgin custs won't need an engineer sent round - if you're in that group, it'll tell you BEFORE you sign up. If you're in the 40% that do, an engineer may need to come into your home or just go to a nearby exchange, but you won't be told which in advance. While they'll follow social distancing rules, you may decide against it at that point.

  • No engineers required for other switches, unless you need a new BT line (which you may well do if switching from Virgin). If you're currently a Virgin cust, as you're on cable you'd need a BT Openreach line unless you've the right wires from an old connection, and BT Openreach has only just begun a phased return of installations. In which case, an engineer will need to come round and that could take a long time.

  • Will I get the advertised speed? The rules state at least 50% of custs must get the advertised speed at peak times. All the providers above tell you the estimated max you're likely to get before applying. See how to check your current speed and eight broadband speed tips.

  • Switching usually means about two hours of downtime. You're told the switch time in advance and it's often quick. In rare cases the outage is longer, so consider the risk as broadband's crucial now, but hopefully your mobile's broadband can cover the gap.


9m Easyjet accounts hacked, incl some credit card details - what you should do. See Easyjet help.

'I'm saving £4,800+/yr with a balance transfer credit card. Thanks'. Last week, we told you it was getting a little easier to get accepted for a 0% card to shift debts to. Keith got in touch afterwards, to tell us: "After having to pay some large vet bills, I eventually switched to 0% interest balance transfer cards. I've gone from paying over £400 interest a month, to paying off over £400/mth. I made the final switch last week, which will see me debt-free this time next year. I can't thank you enough, stay safe." If you can't afford to clear your credit card debts, you can't afford not to check if you can do a balance transfer. Use our eligibility calc to see what cards will accept you.

4,000 Dyson Supersonic hairdryer official 'good as new' refurbs £230 (norm £300 new). MSE Blagged. Slightly ironic that we're covering perhaps the most costly hairdryer out there, yet many rave about it, and if you're going to buy one, these Dyson-own refurbs include a 1yr warranty. Full info in blown away by Dyson's deal.

Free Mental Health & Debt booklet 2020. It's Mental Health Awareness Week. Half of those in problem debt also have a mental health problem - see our 44-page Mental Health & Debt Help 2020 PDF guide.

10 extreme beauty MoneySavers, eg, make lip balm from kitchen oils. MSE Rhiannon shares her tips, but would you do them all? Beauty hacks

Ends today (Wed). Cheapest 4GB Sim we've seen - '£5.92/mth' from BT's Plusnet. MSE Blagged. With this 1yr deal, newbies to Plusnet* (uses the EE signal) get 4GB/mth data + ultd calls & texts. It's £8/mth, but as you're sent a £25 prepaid Mastercard, spendable almost anywhere, factor that in and it's equiv to £5.92/mth. Most people use less than 3GB/mth of data according to our Jan poll, so this suits many. Full analysis and more deals in Top Sims.

Cereal box origami - our how to close 'em properly video. A strangely compelling quick video tip from MSE Laura H. See our how to fold cereal boxes video.


New car insurance rules: They must HELP CUT COSTS if you've been impacted by coronavirus. Though many are better off ditching & switching

New emergency insurance rules from regulator the Financial Conduct Authority, launched on Monday, mean that if your circumstances have changed due to Covid-19 or you're struggling to make monthly payments, they must help you cut costs IF YOU ASK. So the key question is how can you use this to cut costs in practice? Full help in our Cheap Car Insurance guide, but here are the basics:

  • Paying for unneeded extras as you're hardly driving? You can cancel them fee-free with most insurers. Technically it's only for those struggling, but a few insurers are allowing it for all. It should trigger a partial rebate, but it may not be huge. See should I reduce my car insurance cover?

  • Not using your car? You can SORN your car and cancel the insurance. You need insurance for owning a car, with one exception - if you definitely won't drive it (perhaps it's a second car) and keep it on private land (eg, a garage, drive), you can get a SORN (a statutory off-road notification). Then there's no vehicle tax to pay, and you can cancel the insurance and get a rebate for the rest of the year - if you've not made a claim. There's normally a cancellation fee, but some insurers - including Esure and More Than - will waive this for everyone right now, though most restrict this to people struggling financially.

  • Struggling to meet monthly payments? You may be able to get a 1-3mth payment holiday. Car insurance is charged annually, so if you pay monthly, effectively they loan you the cash and you pay hefty interest on top. If you're really struggling right now, insurers should consider a monthly payment holiday. Only do this if needed though, as the interest usually still racks up. See payment holiday help.

  • Driving less and/or no longer driving to or for work? You can ask to have your policy assessed. If your mileage has dropped substantially, most don't now charge fees to reduce that and a refund may be due. But the savings are often small, so see it as a trigger to check against the price of a new, cheaper policy (see below). See should I reduce my car insurance cover?

  • Many can SAVE £100s switching policy (and you may be able to cancel mid-year for free). Many of the tips above are about reducing your cover with your existing insurer, but actually it's worth finding the insurer that best fits your new circumstances. It's better still if you do, as some - incl Esure and More Than - are waiving £50ish cancellation fees (others will only do it for those in financial hardship right now) and give you a pro-rata refund if you've not made a claim. See can I cancel insurance fee-free? Here are quick tips to find new cover:

    - Step 1: Combine comparison sites to scour 100s of insurers in mins. Comparison sites don't search identical insurers, nor give identical prices, so try as many as you've time for in this order: MoneySupermarket*,*, Compare The Market* and Gocompare* (see how we rank 'em).

    - Step 2: Then check big insurers and hot deals comparisons miss. Aviva* and Direct Line* can be competitive, but don't appear on 'em. You also won't find some special deals - see hot deals comparisons miss.

    - See if these counter-logical savings work for you. It's worth checking if choosing comprehensive over third party, adding a responsible (often older) extra driver or tweaking your job title can save you cash.

Tesco to extend some Clubcard vchs by 6mths - how to max points, plus more boosters. See Reclaim & Boost Clubcard Vouchers.

MSE Kelvin: 'I ran up £1,000s of debt while suffering from depression... now I'm digging myself out'. As it's Mental Health Awareness Week, here's a reminder of MSE Kelvin's inspirational story from last year about his struggle with depression and debt.

25 lily or 100 gladioli bulbs for £10 delivered (norm £26-£36). MSE Blagged. Ready to plant, 25,000 packs avail. But NOT suitable for households with pets, as these flowers are toxic to animals. Gardening Express

Seven lockdown motoring tricks, incl prevent flat batteries and tyre tips. We've updated our guide amid the light easing of restrictions in parts of the UK. See motoring tips.

30% off Adidas code, incl for its already-discounted outlet. Works on 1,000s of full-price clothing, bags and accessories, plus the code makes EVERYTHING in its outlet even cheaper. Till Sun. Adidas code


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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 equiv £15.91/mth
Fibre b'band & line rent: Virgin equiv £18.39/mth
Superfast fibre b'band & line rent: 
Vodafone equiv £19.82/mth

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


"Just had my annual haggle with the AA for membership renewal and, without much of a fight, got a 25% reduction. Thanks."
(Send us yours on this or any topic.)



Teachers, parents and youth workers - need help with financial education for home-schooling? Financial education charity Young Money has put together three digital toolkits to help teach practical money skills in lockdown. The toolkits offer a range of free support, incl Martin's Your Money Matters textbook and student finance explainer video, as well as how to involve children in everyday money conversations. You can download the materials from the Young Money website.



How do you rate the online education your kids are getting? School's out for millions of children and young people across the UK (though not all), with many parents relying on online teaching and resources to keep kids learning during lockdown. But how do you rate the online education your kids are getting? PS: Thank you to all the teachers working hard for our kids throughout this period. 

Most MoneySavers use 'sniff and sight' test on food that's past its 'best'. Last week, we asked what you do when you find food at home past its best-before date. A huge 15,000 people responded - and 53% said they rely on their nose and eyes to decide, while 8% said they normally just chuck it. Older respondents were more likely to disregard best-before dates and make their own choices, with 44% of over-65s saying they ignore them altogether, compared with just 28% of under-25s. See full food poll results.



Should I renew my gym membership even though it's currently closed? It's a long-established local gym and it has asked members to renew, even though it's closed due to coronavirus, in order to keep it viable. I'm 71 and on a limited income, but could afford it without hardship. Yet due to my age, with the Government advising that those aged 70+ are more vulnerable, even when the gym eventually reopens it could be many weeks before I'm able to return. Enter the Money Moral Maze: Should I renew my gym membership even though it's currently closed? | Suggest an MMD | View past MMDs


Plusnet - 4GB Sim with ultd calls/texts for '£5.92/mth' (ends Wed)
Dyson - Supersonic refurbished hairdryer for £230
Extreme beauty MoneySavers - Eg, cut up face wipes
Gardening Express - 25 lily or 100 gladioli bulbs for £10 delivered
Adidas - 30% off code incl already-discounted outlet

Learn a new language - Incl Spanish, French, even Klingon
Guitar & piano - Free lessons from Fender and Casio Music
Disney drawing - Learn to draw from Disney animators
Online qualifications - Eg, Open University courses
Coding - Incl free programme for 12 to 17-year-olds

Halfords - Free £15 car check at 650+ garages and stores
Sainsbury's Tu - 25% off everything
Reebok - 30% off selected full-price items & extra 25% off outlet
Uber Eats - 10,000 £10 off £12+ codes via O2 from 5pm on Fri
Driving theory test - Free mock test online

Quick tips & tricks for growing food in a flat
Simple and cheap ways to sort out your garden
Doing DIY this weekend? Avoid these costly DIY disasters



Thu 21 May - This Morning, phone-in, ITV, 10.20am
Thu 21 May - The Martin Lewis Money Show - Coronavirus Special, ITV, 8pm


Wed 20 May - BBC Radio Berkshire, Mid-morning with Sarah Walker, from 11.00am, Guy Anker on travel rights
Wed 20 May - BBC Radio 4, You and Yours, from 12.15pm, Guy Anker on coronavirus support for the self-employed
Mon 25 May - BBC Radio Manchester, Drive with Phil Trow, from 2.25pm
Tue 26 May
- BBC Radio Cambridgeshire, Lunchtime Live with Jeremy Sallis, from 12.25pm



That's it for this week, but before we go... with many birthday party plans ruined by the lockdown, you've been sharing ways to make them magical, despite the current situation. Virtual singalongs hit the right note for some, with online quizzes and virtual bingo with family and friends also popular. Others have got a little more creative, with some MoneySavers making paper-mache pinatas, while another made a banner asking cars to beep their horns for their daughter as they drove past. See our making lockdown birthdays magical Facebook post for inspiration and to add your own.

We hope you save some money, stay safe,
The MSE team