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I think the difference is that it is not salary sacrifice but salary packaging as I work for a not for profit organisation. The first $617 a fortnight is tax free as long as you can prove you have some kind of ongoing expense ( nap can beep rent, car expenses etc) I actually get mine paid...

I salary package (max is around $16000) and was paying this directly to my mortgage (property negatively geared) however then discovered From another post on here I could not then claim my repayments on tax due to the fact that I was already receiving a tax break from packaging. I just salary...