Christmas gets expensive. Fast.
Travel, gifts, gatherings. It all adds up.
What many people don't realise is that their car expenses might be the key to freeing up more room in the holiday budget.
A novated lease can help put some of that money back in your pocket through tax savings and predictable running costs. When finances feel tight at the end of the year, having more control over cash flow makes a big difference.
Why Christmas Costs Creep Up
Most households spend more in December without planning for it. Presents, food, fuel for trips and last minute errands all land on top of regular bills. The pressure builds quickly.
The challenge is simple. How do you cover these extra seasonal costs without dipping into savings or stretching your pay?
This is where smarter budgeting tools help.
How a Novated Lease Gives You More Breathing Room
Packaging your vehicle under a novated lease shifts many ongoing costs into one simple pre-tax deduction. This reduces taxable income and helps you keep more of what you earn.
Key savings come from:
- Paying for running costs like fuel, servicing, registration and tyres with pre tax dollars
- Avoiding income tax on a portion of your car expenses
- Consistent fortnightly or monthly budgeting with no surprise bills
- Low running costs when choosing an electric vehicle under the current Electric Car Discount
When money feels tight in December, predictable vehicle costs can be a welcome change from unexpected expenses.
More Cash Flow for Gifts and Festivities
One of the biggest financial benefits of novated leasing is cost certainty. Instead of paying for rego one month and a big service the next, everything is smoothed out into a fixed payment.
This often improves weekly take home pay compared to paying for car costs out of pocket.
More cash flow means:
- Less stress about Christmas spending
- More flexibility with presents and celebrations
- Easier planning for holiday travel expenses
- A smoother start to the new year
For many families, this shift alone makes Christmas feel less financially overwhelming.
Bonus Tip: Electric Vehicles Stretch Your Budget Further
Electric vehicles have lower running costs and, depending on the model, may qualify for the current Fringe Benefits Tax exemption. This can lead to significant savings through a novated lease.
Lower charging costs, minimal servicing and tax incentives all work in your favour. The result is extra room in the weekly budget for holiday plans.
December Exclusive: $250 David Jones or Myer Gift Card
If you have been thinking about upgrading your car or starting a novated lease, December is a rewarding time to do it.
Between 1 and 31 December 2025, both requesting a quote and ordering your new car through Remunerator Motorsearch means you'll receive a $250 David Jones or Myer gift card with your new car. Perfect for last minute gifts or treating yourself during the holidays.
This offer gives you both instant value and long term savings. A rare combination at this time of year.
How to Get Started
A novated lease works best when it is tailored to your budget and lifestyle. Speaking with our team helps you understand:
- Your estimated tax savings
- Which cars offer the best running cost benefits
- How much your take home pay could increase
- Whether an EV is the right choice for your driving habits
It only takes a few minutes to get a personalised quote. From there, we handle the setup while you focus on enjoying the holidays.
Make This Christmas Feel Easier
A little extra financial breathing room can make the season more enjoyable. Novated leasing is a simple way to reduce tax, control costs and keep your budget steady during one of the most expensive months of the year.
If you are ready to explore your options, our team is here to help you start saving sooner.