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I would need an accountant to set it up for me (various reasons) and my income is difficult to estimate accurately. If I was to be conservative enough to cover all posibilities I would have gained almost nothing. As I said, in my case it wasn't worth the effort. That not to say for others it...

If you need the cash flow it has benefits but if you have a decent buffer you'd need to do the maths to work out if its worth while. I sat down and worked it out once, can't remember the exact numbers, my tax back equated to about $10k so around 200 per week, if I was to put that 200 in offset...