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The cost of buying a car and running it is a major factor when working out just how much transport costs. Not only is fuel so expensive these days, but there is also insurance and maintenance to consider. Consider walking or riding a bicycle instead. You can buy a new or used car in this way. The agreement is that your employer takes the car payments out of your pre-tax salary. It is his obligation to meet the payments in this way, though the car is yours and you've the right to take it with you should you change employment. But read the fine print because you may have to pay out a lump sum if you leave. Not only will you get a great deal fitter, you'll be able to eat that cream bun without putting on weight.

If your workplace is too far to walk to and riding doesn't appeal, then check out the public transport in your area. State Rail in NSW is trialling an off-peak fare for the Western Suburbs. This can save a great deal if you have to go earlier than 7.15 or can juggle starting time to be You can buy a new or used car in this way. The agreement is that your employer takes the car payments out of your pre-tax salary. It is his obligation to meet the payments in this way, though the car is yours and you've the right to take it with you should you change employment. But read the fine print because you may have to pay out a lump sum if you leave. on Central Station between 8.15 and 9.15am. Afternoon times to qualify are after 6.30 or before 4pm - these times will give you up to 50% fare reduction. Your boss might be happy to arrange your hours to suit.

If you simply must have a car, buying it through a novated lease program like the one offered by SMB salary packaging can save heaps. You can buy a new or used car in this way. The agreement is that your employer takes the car payments out of your pre-tax salary. It is his obligation to meet the payments in this way, though the car is yours and you've the right to take it with you should you change employment. But read the fine print because you may have to pay out a lump sum if you leave.

Author: Melanie Click
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