<blockquote rel="RodGanteJr"><blockquote rel="Nadine"><blockquote rel="nfronda">@Nadine.. I'm in WA po, remote area of WA.. and yes mahal tlaga ang cost of living d2.. Everything is expensive.. Kaya aq, sa location allowance na lg bumabawi..kasi hndi rin namn kataasan salary q eh.. 🙂 </blockquote>
Mahal talaga Australia, I swear. Brisbane nga is not the most expensive city pa ha, pero lahat dito mahal. From rent to groceries to damit to health services. And taxes, mataas! Pero naiisip ko ang Pinas wherein we're taxed 30% di ba. At napupunta lang yun sa kurakot. So, ok na din dito. Hehe. 😃
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Doc @Nadince and ma'am @nfronda, may na-iipon ka po ba kayo every month? Compared to SG salary and expenses (including remittance), mas malaki po ba naiipon nyo po?
One of my concerns ko rin po ang tax sa AU. Mababa po kasi tax dito sa SG so masakit na malaki yong deductions sa salary pag sa AU na.
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Haha! Galing din ako Sg. Kaya medyo nakakabagot din minsan ang tax dito hahayz! But the thing is, I'm earning better here. And even with the tax, mas may natatabi ako dito kahit papano. Kahit pa mas mahal dito at mas nakakapag-remit ako dito more than in Sg. Totoo, masakit sa bulsa talaga. But don't let that stop you talaga. We are quite lucky to be working here really. Also, mag increase yung sweldo mo every year because nagkakaroon ka ng local experience. 🙂
What you can do is salary package. Pag dating mo dito, ask your company about it. Ang nangyayari with salary packaging kasi, it can decrease your taxable income. So in essence, bumababa ang bracket mo sa tax. So, lesser ang babayaran mo sa tax. Also, pwede din mag voluntary contribution ka to your superannuation and get it pre-tax. Paraan din po eto para bumaba ang taxable income.
Marami pa yata paraan to decrease tax, pero bago pa rin ako. At medyo hindi ko pa din alam masyado. But it's a start.