According to FoodSafety.gov, the most important thing is to keep refrigerator and freezer doors closed. If they stay sealed, your fridge can keep food cold for about four hours, and a full freezer for about 48 hours (24 hours if it's half full).
That means youâll only receive tax relief on pension contributions of up to 100% of your earnings or Â£4,000, whichever is the lower. Whether the lower Â£4,000 annual allowance applies depends on how you access your pension pot and there are some complicated rules around this.
Salary sacrifice works by reducing your liability to National Insurance by getting your employer to make your pension contributions on your behalf. Your employer is able to make a bigger pension contribution on your behalf because it does not have to pay the employee's National Insurance.he tax savings from salary sacrifice come from both the saving in the employee's NI contribution and the employer's. The employee NI saving will increase the pension contribution of somebody paying 5pc of a Â£35,000 salary by 11pc.