Archive: MoneySavingExpert's Money Tips Email

27 May 2020

Over 50 ways to save, incl... mortgage hols extended?, 30mths 0%, b’band price war, Amazon tricks, MSE’s Academoney, coronavirus latest, Ryanair warning

This info may be out of date. Read this week's emails

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Grab the latest deals, guides, tips 'n' tricks directly from Martin and the MSE team. Don't miss out

Plus... coronavirus latest, Ryanair warning, 3yr low energy prices, Nike code

Key coronavirus guides

A reminder of our constantly updated coronavirus guides, as they remain crucial...
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 universal credit & benefits, incl what you're due
Coronavirus travel rights, incl refunds & insurance
Coronavirus life in lockdown, incl MOTs, food & entertainment
Coronavirus financial FAQs, incl commonly asked Qs


10 BILL-BUSTERS: Save £1,000s on energy bills, credit cards, council tax, mortgages, broadband and more

For the last 10 weeks Martin's led this email on the rapidly changing coronavirus crisis, with need-to-knows often about maintaining income and cash flow. Yet expenditure is crucial too. So this week, as a half-term break from that, and as Martin's having a few days' rest, we're reminding you of the importance of managing your pelicans (big bills).

So whether you're one of millions struggling financially now, or even if everything is rosy, this is our masterclass to save £100s or £1,000s...

The secret to slashing costs is to pounce on short-lived promos, but the current standouts - incl some eye-catching deals for fast fibre speeds - all end in the coming days. This price war is timely as home b'band is a key lockdown utility for work, streaming, video-calling etc. Yet 9m households are out of contract, often on rip-off prices which can reach £45+/mth for slow speeds. So here are the top promos - fastest first...

Links take you via our Broadband Unbundled tool to check eligibility as deals are postcode-dependent. It shows others if you can't get these.

- Ends Thu. 63Mb fibre (ie, V FAST) b'band & line: Vodafone '£19.83/mth'
- Ends Thu. 54Mb fibre (V FAST) b'band & line: Virgin '£18.39/mth'
- Ends Mon. 35Mb (FAST) b'band & line: Shell '£18.82/mth'
- Ends Tue 2 Jun. 10Mb (standard) b'band & line: Plusnet '£15.21/mth'

More help, incl whether you'd need an engineer to visit (only a minority do), in switching during coronavirus. Also see what speed you need.

A balance transfer is where you get a new card to repay debts on existing cards, so you owe it instead, but at 0% interest, so more of your payments clear the debt. However, if you need one, it's worth sorting ASAP as some top deals were pulled on Tue, so why risk more going? Savings can be huge, as Richard tweeted: "@MartinSLewis, I have just done a balance transfer to a new provider and will be saving over £1,100 a year. Thanks."

It's best to use our 0% eligibility calculator to find cards most likely to accept you, but as not all top deals appear there, we've listed the cream for new cardholders...

- Longest 0%. TSB (apply*, sadly not in our eligibility calc yet) gives up to 30mths at 0% for a 2.95% fee of the amount shifted (19.9% rep APR after). Though some poorer credit scorers are accepted and offered 27 or 24mths at 0%. 

- Long 0% with a low fee. MBNA (apply via eligibility calc) offers up to 26mths 0% with a 1% fee of the amount shifted (20.9% rep APR after). But poorer credit scorers could be accepted and offered fewer months at 0% and/or a higher 3.49% fee.

- Longest no-fee 0% that's open to all. Santander (apply, sadly not in eligibility calc) gives 18mths 0% and if accepted, you get the full 0% length (18.9% rep APR after).

If you're struggling to pay existing card debt due to coronavirus, it's theoretically best to try this approach first, before seeking a payment holiday (see below), though it's unlikely most struggling so much they need the break will be accepted for a new card. Note that doing a transfer may give a mini hol anyway if you do it 1-2 weeks before a payment's due, as your first payment on the new card won't be due for 1-2mths.

Always follow the Balance Transfer Golden Rules:
a) Clear the debt or shift it before the 0% ends, or you pay the APR.
b) Never miss the min monthly repayment or you can lose the 0%.
c) Don't spend on the card/withdraw cash. It usually isn't at the cheap rate.
d) Normally you need to do the transfer within 60 days to get the 0%.
e) You normally can't transfer between two cards from the same bank

Full help and info in Best Balance Transfers (and see APR Examples).

Switchers' prices are at 3yr lows on the back of unthinkably low oil prices in recent weeks - and as we're using more energy than usual at home in lockdown, it's a key bill to sort.

But we've seen prices creep up a tad over the past week, so with rates still ultra-low, why wait to lock in low rates in case they jump further? Savings can be huge, as Michele tweeted: "Thanks for your excellent Cheap Energy Club - just switched to British Gas and saved £480/yr."

To help, here are the top-pick 1yr fixed deals for new customers. Savings below are based on the avg Big 6 price-capped tariff (which 50%+ are on) for typical £1,127/yr use. As YOUR winner depends on use and region, links go via our Cheap Energy Club comparison, to give specific results and MSE £25 dual-fuel cashback if we can switch you. Note that, other than Tonik, you won't find these deals direct - they're only via comparisons.

- Cheapest fix, save £356/yr. The Tonik Energy Green SuperPower (1 Year) v4 tariff is for new and existing dual-fuel and elec-only customers. Tonik's service rating is good although in recent weeks we've seen a spike in billing and switching complaints, likely on the back of an IT system switch. We call it the cheapest fix as, although there's one cheaper, we exclude it here due to a very poor service rating.

Cheapest big-name fix for most & 'free' heating insurance, save £334/yr. If you prefer a name you know, the British Gas Energy & Home Services May 2021v2 fix comes with 100% green elec. It's available for new dual-fuel customers (sadly existing BG customers can't get it) and it includes 1yr's heating cover (normally £108/yr so cancel it after the year if you want to avoid that). You don't need to have/get smart meters. 

Cheap big-name fix, save £326/yr. The E.on Fix Online Exclusive v37 tariff also comes with 100% renewable elec, and is available for new dual-fuel or elec-only customers (sadly existing E.on customers can't get it). You need to agree to have smart meters fitted if you don't already - installed for free once lockdown's over.

- EDF customer? You could undercut these big-name deals & save £337/yrThe EDF Simply Online 1 Year Fix May21v7 tariff, for existing dual-fuel or elec-only customers, is slightly cheaper on typical use than the BG and E.on deals above. You need to agree to have smart meters fitted if you don't already - installed for free once lockdown's over. 

Switching is no big deal: it's the same gas, elec and safety - only price and customer service changes. Your supply isn't cut off in the process and no one visits your home. See our switching FAQs for more help.

Typical bills are £1,000+/yr, yet many wrongly assume they have to pay it in full as a done deal without considering the ways to slash it...

a) Up to 400,000 are in too high a band. Are you? If you're in Eng or Scot, use our council tax check and challenge system. If you're in too high a band, you can reclaim past overpayments and get reductions in future. Ann emailed: "Your help meant after nearly 15yrs I queried my band. It was reduced and I got a £3k refund."

b) Many councils offer payment holidays to those struggling due to coronavirus - but only if you ask. See council tax payment holidays.

c) On benefits or a low income? Can you get up to 100% off? But claim ASAP, as it may not be backdate-able, so the longer you wait, the less you get.

d) 100,000s don't claim 'severe mental impairment' discount, which can be worth £1,000s. If you've Alzheimer's, Parkinson's etc you don't pay if living alone, or it's 25% off if you live with someone. See SMI discounts.

e) Live alone (or with under-18s/carers)? You can get 25% off and can claim for past years. See single person discounts.

f) Moved home since 1993? See how to claim back overpayments.

g) Disabled or caring for someone who is? You could drop a band.

h) In Eng? You can ask to pay over 12mths, not 10. See spread payments.

i) On pension credit? You could get a reduction. See pension credit help.

j) Full-time students are 'disregarded for council tax'. See student help.

UK interest rates are at their lowest for 325yrs and that means mortgages are cheap, but the problem is lenders are getting more picky during this crisis, eg, often needing you to have more equity before accepting you.

While millions are asking for payment holidays, if you're keeping up payments, and you've still full income, there are opportunities for huge savings on your current deal. To show the size of the savings possible, over to MC, who emailed: "Followed your remortgage help and can repay my mortgage 10yrs early and SAVE £55,000. Thanks." To help you save...

Know your current mortgage deal. That'll help you determine if it's worth switching and know what key info to tell a broker or lender. So...

a) What's the rate? Plus monthly payments and outstanding debt.
b) What type is it? Fix, tracker, SVR etc? See fixes vs variables.
c) When's the intro deal over? Eg, when does the 2yr fix end?
d) When must it all be repaid? Eg, in 10, 20, 25yrs?
e) Will I be penalised to switch? Any early repayment/exit penalties?
f) What's the loan to value (LTV) - the proportion of the home's value you borrow? Eg, £180k on a £200k home is 90% LTV. See LTV help.

- Key links to help you save. These include...

a) To get advice to navigate the maze, read mortgage broker help.
b) For lots of mortgage info, read MSE's 62-page Remortgage Guide.
c) To benchmark the best rates, try our Mortgage Best Buys tool.
d) What can I borrow? What'll it cost? etc. Use our mortgage calculators.

If you're out of contract and happy with your handset, you can probably slash costs with a new Sim - the chip in your phone that dictates your allowances.

First, match your allowance to your use (note: two-thirds told us they use sub-3GB/mth in our latest mobile poll). So check old bills or use the Billmonitor* tool, which analyses your bills and finds Sims to match. As it doesn't spot every deal we've the best below for new customers to that firm - all with unltd mins & texts:

- 2GB/mth for £5/mth from Lebara* (uses Vodafone's signal)
- Ends Sun. 6GB/mth for £7/mth from Smarty* (Three's no-frills provider)
- New. 12GB/mth for '£8/mth' from 

Lebara's and Smarty's deals are 1mth rolling contracts, Three's is 1yr. See our Best Sim only Deals guide for more options and help.

We covered car insurance in detail last week, including what to do if you're currently driving a lot less, and if struggling to pay monthly premiums. See 5 coronavirus car insurance cost-cutters from last week's email.

Insurers rely on people's laziness to jack up renewal prices, so always compare before you renew, and check about three weeks ahead for the best prices. It worked for Abz and his mate"I helped a friend change his home insurance, saving £500 for this year. Thanks."

Full help in our Cheap Home Insurance guide, but in brief:

a) Use comparison sites to check dozens of insurers in mins - but they don't all cover the same providers, so check a few. Our current order is MoneySup*, Gocompare*, CTM* and Confused* (see how we rank 'em).
b) Biggies Direct Line* and Aviva* aren't on comparisons, so try 'em.
c) Check hot home insurance deals comparisons miss, incl a £55 Amazon voucher.

- Struggling to meet monthly payments due to coronavirus? If you contact your insurer, it must help you cut costs, eg, checking if dropping unwanted extras (eg, cover away from home) saves you, or it should offer a payment holiday. See home insurance help.

- Will these policies cover me whatever? No. Insurance protects against unexpected eventualities. No one checked if their travel insurance covered them for an Icelandic volcanic ash cloud before it hit in 2010, for instance. So check the policy details, make sure insurers are regulated by the Financial Conduct Authority, and if they unfairly reject a claim, take them to the free Financial Ombudsman.

PS: If working from home, insurance should cover you if it's 'office' work, but if you've any new stock/kit you must tell 'em to be sure. 

In a normal year we'd be telling you about top free-cash bribes to switch current account. There aren't any of those available right now, but the best offer for most pays you to pay your bills.

It's the Santander 123 Lite* account which, after the £1/mth fee, could net you an up-to-£14/mth profit on bills paid by direct debit, as it pays the following rates (limited to £5/mth per tier):

- 3% cashback on phone, broadband, mobile and TV bills
- 2% on gas and electricity and Santander home and life insurance
- 1% on water, council tax and Santander mortgages

How do I qualify? You must pay in £500+/mth, have 2+ active direct debits and log in to online/mobile banking at least once every 3mths.

For smaller bills, Co-op's Everyday Rewards may win. For more details on these and other accounts, see best bank accounts with cashback.

Many firms let you take a break for up to 3mths under Financial Conduct Authority guidance to lenders and insurers. If you're unsure if you need one, there's no immediate rush as you've time before application deadlines. So click the links below for help deciding, which we've put alongside those all-important deadlines. Though be warned interest still racks up if you stop paying:

- Until 9 Jul: Credit and store cards, personal loans and catalogue debt
- Until 27 Jul: Car finance (PCP, lease, HP), pawnbroking, buy-now-pay-later and rent-to-own, payday loans (interest and payment hols)
- Until 18 Aug: Insurance, eg, car, home, loan payments
- Until 20 Oct: Individual voluntary arrangements
- Until 31 Oct (likely): Mortgage payment holidays

Yet NEVER just stop paying - contact the firm first or risk big problems.

There's even more you can do to cut costs, eg...

- TV refunds for lack of live sport. BT Sport and Sky Sports help.
- Save with a water meter? See water help, but installations are paused.
- Working from home? How to claim tax back on extra expenses.
- Found a good deal? Can you get cashback on it?
- To attack all money leaks. Do a budget and a money makeover.


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. MSE launches the Academoney: a six-part totally FREE online financial education course with the Open University

This week we're delighted to launch the MSE Academoney (formally the Academy of Money) - a huge joint initiative with the Open University (OU) which we've been working on for nearly a year, with six sessions written by the OU, but with MSE's input.

Here's MSE founder Martin Lewis on why we're doing this: "We fought hard to get financial education on the curriculum, but lessons can't just stop when people leave school. That's why we've chosen to fund this new partner project with the OU. Our aim is to provide a more formal learning environment for those who want to dedicate time to improve their financial knowledge - perfect during lockdown. Education is financial self-defence, and so we're delighted to encourage people to tool themselves up." 

  • The Academoney sessions - take as many as you like. Each one will take about two hours, with a mix of info, exercises, explanatory videos from Martin and animations. You can choose to complete just the one that interests you, more, or all of them. Completing all six will earn you an Open University badge, usable as evidence of continuing professional development. See Academoney explained for more - here's the key session info...  

    1) Making good spending decisions. Develops your approach to money management by exploring behavioural and marketing pressures and looking at a four-stage decision-making model.
    2) Budgeting & taxation. Calculate net income, how national insurance and tax work, and build a budget.
    3) Borrowing money. How different debts work, the differences between them, and the dangers.
    4) Understanding mortgages. Incl interest rates, repayments and how mobile bills etc could stop you getting accepted.
    5) Saving & investing. How they differ, savings options and investment basics (eg, how shares/funds work).
    6) Planning for retirement. Both for those retiring imminently and those who have many years to go. It looks at how state pensions, occupational pension schemes and personal pension schemes work, and the differences between them.

    There's been huge excitement on social media - here's just one tweet, from accountant Tim:"@martinslewis @moneysavingexp I believe everyone can get something from this excellent course, including accountants. Having completed it over the weekend I'll certainly recommend it. It'll be good to revisit in a year's time too. Thanks."

  • Free kids' financial education resources. We've been working and engaging in financial education for years, so while we're launching the Academoney, here are two more key helpers...

    - Student Loans Decoded: A 60-min programme to take sixth-formers and parents through how student finance really works - Student Loans Decoded.
    - Martin's free financial education textbook for 15-16-year-olds: Not strictly speaking MSE this one - it's a joint initiative between Martin and the Young Money charity, making a free financial education textbook available.


New. Mortgage payment holidays set to be extended for 3mths - who can get 'em & should you? Under the regulator's plans, you'll have till Oct to apply for one, and those who have already had one can extend. Yet interest racks up and it can IMPACT YOUR CREDITWORTHINESS, so should you? See our step-by-step guide incl Martin's mortgage holiday video briefing.

23 Amazon tips, incl free delivery trick, 15% off essentials & more. Most shopping is now done online, and love it or loathe it, Amazon is the big beast, so we've 23 not-too-taxing Amazon tips.

Ryanair staff WRONGLY claim chargeback is 'fraudulent' & threaten blacklisting. Chargeback is a perfectly legal way to claim hard-to-get refunds for products and services, eg, cancelled flights. Read our Ryanair staff 'call it fraud' investigation.

New. Martin's Coronavirus Fund's donated £3.4m to 415 charities - how they were selected & who got it. Two months ago we told you Martin had set up his Coronavirus Poverty Fund, and more than 7,000 charities applied, requesting £74m. See his new Coronavirus Poverty Fund blog.

Ends Fri. Nike 30% off code, incl sale items - eg, £52 running trainers (were £105). Its codes are usually 25% off and don't include sales, so this is super strong - the best we've seen in 6mths. Nike code

Heads up: Furlough extension details due this week... We know furlough has been extended until Oct, and that from August firms will have to contribute, and part-time work will be allowed. Details of how this'll operate are due this week. When it happens, a detailed explanation will go in our Coronavirus Employees' Help guide.


How to get cheap pet insurance - incl 3,000 Clubcard pts deal

12m+ pets are uninsured, but could you afford £100s or £1,000s if your little (or big) one is ill or injured?

Many are struggling to afford basic necessities during lockdown, so may be tempted to cut or forgo pet insurance. Yet there's no pet NHS, and the avg pet insurance claim is £822 according to insurers, so there are real risks if you don't have a safety net. Whether you've had a pet for ages or are one of the many new owners following a surge in pet ownership during lockdown, our Cheap Pet Insurance guide helps with getting a first policy or switching - here's a litter of quick tips.

  • Got a cat or dog? How to find the best prices. There are two steps to this...

    Step 1. Find the cheapest prices in seconds by combining comparison sites:
    - Got one cat or dog? Combine*, MoneySupermarket*, Compare The Market* and Gocompare* for a range of quotes. They don't all cover the same insurers, so try as many as you've time for.
    - Multiple cats and/or dogs?* and MoneySupermarket* incl multi-pet policies.

    Step 2. Compare the results with offers comparison sites miss:
    - Big insurer Direct Line* isn't on comparison sites, and its multi-pet discounts can be decent.
    - Plus we've blagged a deal for newbies who buy a Tesco Bank* policy to get 3,000 Clubcard pts (worth up to £90) added to their account within 80 days of the policy start date.

  • Got other pets, such as a horse, parrot, rabbit or reptile? There are no comparisons for them, so do it manually. But ensure you read what each covers, as they won't be identical...

    - Horses and ponies: Try SEIB, Petplan Equine* and NFU Mutual.
    - Rabbits, budgies, chinchillas, lizards etc: Try Exotic Direct* (and Petplan* for rabbits only).

  • Beware switching insurance if your pet has a pre-existing condition. It's likely the new firm won't cover that issue, whether you've claimed for it or not. What's more, if you have recently claimed, your existing insurer may well hike the premium to cover that problem. So if you want peace of mind and the protection of being covered, you may well have to swallow a higher price. Full info in pre-existing help.

  • Struggling to pay your monthly premiums? Speak to your insurer. New rules from the regulator mean it has to help if your income has been affected by coronavirus, which could mean offering a payment holiday. See coronavirus pet insurance help.

  • Note our Pet Insurance Golden Rules... 
    1) Pet insurance generally covers big issues such as broken bones and cancer, not check-ups. See what's covered.
    2) Need cover but can't afford it? If you're on certain benefits, charities such as the PDSA may help with vets' bills.
    3) You're liable for a dog's behaviour, not a cat's, if they cause damage/injury. So check a policy's 3rd-party cover.
    4) Could you self-insure? For smaller animals, you could put cash in savings to cover fees. See self-insuring help.
    5) Don't forget routine jabs. Forgetting could invalidate cover, but insurers are more flexible during lockdown. Jab help.

ALL GONE. Pay £34 for 31-piece make-up bundle that's normally £178 - incl 'dupes' for Urban Decay, Tarte, Ciate & more. MSE Blagged. Incl eye shadow, lipstick, gloss and bronzer. Lottie London deal

How to find the cheapest petrol & diesel - to make the most of prices at a 4yr LOW. If you're still driving, a clever tool finds the cheapest fuel near you.

11 ways to get FREE e-books, digital comics & audiobooks, eg, Harry Potter, David Attenborough's Life on Earth & Pride & Prejudice. Access 1,000s of free modern and classic books.

Get 5% back on everyday spending for 6mths. In case you missed it earlier this month, American Express has doubled the time newbies have to earn intro bonuses on its cashback or reward credit cards. Eg, accepted Amex Plat Everyday (eligibility calc / apply*) custs now get 5% cashback on the first £2k spent in the first SIX MONTHS, then up to 1% after. You must spend £3k+/yr on the card to get any cashback, though it's not an excuse to overspend. Repay IN FULL each month or the 22.2% rep APR dwarfs the cashback. Full info and more ways to get paid to spend in Credit Card Rewards.

£16ish of seeds + £4 gardening gloves with £7 mag. See more on this Gardeners' World deal.


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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: Plusnet equiv £15.21/mth
Fibre b'band & line rent: Virgin equiv £18.39/mth
Superfast fibre b'band & line rent: 
Vodafone equiv £19.83/mth

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


"Hi Martin Lewis, thanks to your advice and my perseverance I've got a refund from Tui, and a pro-rata refund on my annual travel insurance. I've also changed my Virgin TV package to include Sky Sports and Cinema HD for just £2.50 extra a month. Success all round."
(Send us yours on this or any topic.)



When did you last move your savings? Interest rates have plummeted, so it's important to check your savings are earning as much as they can - and if not, move them. We know it isn't everyone's top priority at the moment, but when was the last time you switched your savings?

Online education gets mixed reviews from MoneySavers. Last week, we asked how you're finding the online education your kids are getting during lockdown. About 2,400 people responded - and opinions were sharply divided. Overall, 37% rated their kids' online education 'great', while 30% said it was 'poor'. Private schools fared best though, with an average 72% 'great' rating. See the full online education poll results.



Should we take a mortgage holiday even though we don't need one? Our lender has offered us a mortgage holiday due to the coronavirus crisis, but we're not struggling financially as neither my wife nor I have been furloughed, and we're unlikely to be. But we're considering the holiday anyway and instead using the money to pay off more expensive debt. Enter the Money Moral Maze: Should we take a mortgage holiday? | Suggest an MMD | View past MMDs


Nike - 30% off code incl sale items
31-piece make-up bundle - £34 (norm £178) incl dupes
Free e-books & audiobooks - Eg, Harry Potter, Life on Earth
£16ish of 'free' seeds - Plus free £4 gardening gloves in £7 mag
Summer sizzlers - Eg, £1 BBQs, £2ish sun cream

Reuse old foundation - By cleaning tarnished silver jewellery
Downshift your make-up/perfume - Save 50% or more
Cut the cost of face wipes - How to save 'up to 75%'
Check your kitchen - Eg, make lip balm from kitchen oils
Hacks to get all the product out - Incl hand cream, toothpaste

No7 - £25 new retinol night cream (norm £34)
BritBox - Some EE mobile customers get 6mths free (norm £36)
Glasses Direct - Two pairs of designer specs for £29 (ends Sun)
Everything5Pounds - 4,000+ clothes, shoes etc in £2.50 sale
Uber Eats - £10 off £12+ code via O2 Priority from 5pm on Fri

Free dog food sample. Bone appétit
Fuss-free cheap flea treatment tips. Itch hiking
MoneySaving must-haves for a new puppy. Paw-some



Mon 1 Jun - This Morning, ITV, 10.55am & phone-in, 11.30am
Mon 1 Jun - BBC Radio 5 Live, Ask Martin Lewis, 12.15pm


Mon 1 Jun - BBC Radio Manchester, Drive with Phil Trow, from 2.25pm
Tue 2 Jun
- BBC Radio Cambridgeshire, Lunchtime Live with Jeremy Sallis, from 12.25pm



That's it for this week, but before we go... during lockdown, people have been turning to a variety of ways to pass the time, and one golden oldie - knitting - looks to be making a resurgence. So we asked MoneySavers what they've created, and we found they've been making beanie hats, hedgehogs (yep, you read that right), jumpers, teddies, rainbows to thank NHS workers and more. So if you want to admire some great creations or get inspired, check out our knitting Facebook post, where you can also share your yarns (sorry).

We hope you save some money,
The MSE team