For Employees - Value the workplace employee benefits your employer provides for you.

Most employers provide their employees with a range of benefits in addition to salary. These can include a pension plan, protection schemes, healthcare and wellbeing support.

You should be grateful for these benefits, as your employer spends a lot of money on providing them. And because they do, it means you receive the value without having to pay for them!

These benefits directly impact on your personal finances in a positive way. However, unless you take the time to understand what you receive and how it helps your finances, you are missing a trick.

A good starting point is to ask your employer for details of the benefits you receive. Then you can calculate your total reward package.

You might be better off than you think!