At a time when the country is still not out of recession (in my mind a 0.1% increase does not give cause for cracking open the champagne) then opportunities to make savings for both employers and employees should be grasped firmly with both hands and now is the time to do it. So whether it be

• pension salary sacrifice
• childcare salary sacrifice – still available at the basic rate
• training salary sacrifice
• car salary sacrifice
• Cycle to work schemes

now is the time to jump aboard whilst the ship is in port for any of the above salary sacrifice arrangements