u/GlitterLight

Please can someone explain this to me like I’m thick as I am really struggling to understand the benefits to me as an individual rather than as a tax avoidance mechanism.

I’ve a few salary sacrifice options at work and have used the annual leave purchase scheme previously and can see how I personally benefit from that. However I am struggling to see the benefit if others - I’ve been looking at work lease cars and they look to me to be an expensive rental for 3 years, which my kids might wreck and I’ll probably curb the alloys.

Yet these schemes are really popular and I’m clearly missing something so please tell me what I’m missing here.

Edit: thank you to everyone who took the time to respond, it is making more sense to me now. Seems to come down to what we personally value as a commodity, whether it be time (annual leave), future savings (pension), or maximising tax efficiencies. Still not convinced by the car but I think that’s ok

I’m 43 and have been in peri for 3 years, strong family history of it running early. I’m fortunate to have a great GP and have been on HRT for three years, which is currently an IUD 150mcg patch of Estradiol (100 + 50) which is a massive dose. GP would let me go up to 200 if need be.

This regimen has been working well for years but recently seems to have stopped. My brain fog, body aches, feeling constantly on edge all the time are going to ruin my career and family life if I’m not careful.

I’m getting some bloods done next week and have a GP apt soon after. Has anyone else had this? I’m not diagnosed ADHD but I’d fit the inattentive profile and have to be hypervigilent to keep on top of my life. I never ever rest. help!