Salary packaging is awesome!! Before i had kids when i was working 4 a week I did my credit card so I stipulated an amount to be taken out fornightly from pay, o sent in a heap of statments showing payments and then the day after pay I got the money back in my account. That come from the set amount max you can do a year for that. I also did a meals and entertainment card so I said how much a fortnight I wanted taken out and they put it straight on this visa meal card they sent me, so we would go out for dinner with friends I would pay on card and everyone would give me money to cover there share.

I am about to start again and do the living expenses card but wont be as great only working 1 day a week at the hospital.

You do want to be careful salary packaging while you have a HECS debt, you can do it but please speak to pay roll and work out how much extra you need to request to pay to HECS so that when you do Tax you actually get your return and not have it all go to HECS.