Prepping for the Tax Year End: Create More Deductions
The end of the tax year is a few short weeks away, but you still have time
to increase your deductions and improve your bottom line when you file.
Donate to charity, part one:
A lot of people intend to do this, but the year slips away and suddenly December hits and you’re too busy to do all
the charitable giving you could. In November, go through your house and gather clothes, unwanted toys and household
items, box them up and call a local charity for a pickup, or drop them at a donation center. Be sure to get a
donation receipt for your taxes. To figure out the proper value of these donations, check out the lists at www.salvationarmysouth.org/valueguide.htm
Donate to charity, part two:
Don’t forget to get receipts when you donate money to seasonal charities, such as those providing Thanksgiving
dinner to the homeless and Sub for Santa. And don't forget your local charities, in Lafayette, we have
Rebuilding Together Acadiana, which uses all of your donations locally! www.rebuildingtogetheracadiana.org
Boost IRA deposits:
If you make more than $94,200 this year, you’re going to hit the Social Security tax withholding limit.
Once you do, you’ll see a 6.2% raise in your paycheck until the end of the year. Drop that extra money in
your IRA unless you’re already depositing enough in the account to hit the limit.
Get into an FSA.
November is usually the month when employees may sign up for or change elections in health coverage
and other insurance and benefits offered through their employers. If a Flexible Spending Account (FSA)
is offered where you work, seriously look at signing up. Depending on what your employer offers, you may
have a medical FSA, which you can use on copays, prescriptions, vision care, orthodontics, etc.; and/or you
can have a dependent care FSA, to pay for daycare.
Both accounts use pre-tax dollars, which helps lower the amount of taxes taken out of each paycheck.
The only caveat is that you must use the amount you put into the accounts or the money vanishes.
The spending deadline has traditionally been December 31, but this year the IRS changed the rules.
Now you have an additional two months and two weeks beyond the end of your company’s benefit year to
spend the money (March 15 for most employees). If you have questions about the tax deductibility of your
donations or need help figuring out how much to put into an FSA, give us a call at (337) 501-0730.