Not good at saving unfortWhy would you do that? If you want to save the money just allocate to a savings account each month the amount that you want to hold back. At least that way you can invest it and can some sort of return even if low in a savings account. Better for you to earn that interest that the government.
You can set all this up with standing transfers each month in your internet banking so you never have to touch it. You'll just see the lower amount hit your spending account.
You can ask your employer to increase the amount they take (tax) from your pay, which will give you a bigger tax return. It needs to be in writing.Does anyone not claim the tax-free threshold as a means of forced savings to get extra refund at tax time? if so, how much a pay do you lose (weekly or fortnightly) based on 100 - 105k salary?
Correct. That is a better way IMO. Eg you ask them to deduct an extra $50 a week and you end up with an extra 2600 at tax time.You can ask your employee to increase the amount they take (tax) from your pay, which will give you a higher tax return. It needs to be in writing.