Hi there Salary sacificing is certainly the way forward. Basically you pay $10 a fortnight to do it but this saves you save around $100 (per fortnight) . Your allowed to sacrifice $350 every fortnight . Prior to you being paid/taxed $350 is taken from your wage, you are taxed on the remainder (wage minus $350). You are then paid the remainder. The following day $350 is deposited into your account . It costs you $260 a year to do but saves you around $2600 in taxes. It must be used for something specific such as rent or mortgage but it certainly is a big help. Hope this explains it as it is really as simple as that. If you need anymore help or advice please just get in touch.