office

Tax season is like the holidays: One second it’s Thanksgiving, you blink, and suddenly it’s New Year’s Day. If you find yourself suddenly in the trenches of tax preparation, don’t rush to take the standard tax deduction. Instead, take the time to review charitable donations you’ve made throughout the year. It just might be that itemizing your deductions could mean a more profitable tax year.

Opt for Itemizing Deductions

When rationalizing whether itemizing would be profitable for you, determine if the sum of tax-deductible factors, such as home mortgage interest you’ve paid, state income or sales taxes, and charitable donations, is greater than the standard deduction for your filing status.

For instance, based on 2017 returns, a standard deduction for a single taxpayer would be $6,350, and $12,700 for married taxpayers filing a joint return. If the sum of your tax-deductible factors is larger than the aforementioned amounts, report itemized deductions on lines 16-19 of Schedule A on your federal form 1040. It is important to note that you cannot receive the standard deduction as well as itemized deductions, so pay this careful mind during tax preparation.

The Gift that Keeps Giving

A charitable contributions deduction allows taxpayers to deduct all of their contributions made throughout the tax year to qualifying charitable organizations. There are strict guidelines for this deduction, so let’s walk through them:

As stated, in order for a donation to be considered as a charitable deduction, the organization must be qualified by the Internal Revenue Service (IRS). You can confirm an organization’s status by asking to view the organization’s IRS determination letter, or you can check online using the IRS’s Tax Exempt Organization Search Tool.Bear in mind that most places of worship, such as synagogues, churches, mosques, and temples, are considered charitable organizations and are eligible to receive deductible donations.

Donations to individuals do not count as tax-deductible donations. In the era in which sites for pooled funds such as GoFundMe have reached their prime, do not assume you will receive a tax break for donating. During tax preparation, only consider donations made to qualified charities.

You cannot deduct your time, but you can deduct any material items you may have donated. Volunteering your time, though an excellent charitable effort, will not be considered as a charitable deduction. However, if you have donated clothing and other household items, the deduction amount is normally limited to the item’s fair market value.

Assure that you did not receive a benefit in return for your charitable donation. If you received a trinket mug or even a meal, you must deduct the price of the benefit from your charitable contribution. In most cases, the organization will provide you with the adjusted price of the donation.

With every charitable donation, always get a receipt. Even for monetary donations, it is crucial the amount be substantiated with a bank record, such as a canceled check clearly annotated with the name of the charity, or a written statement from the charity itself. This principle applies to donated property as well – make sure to ask for written acknowledgment of gifts valued at $250 or more, as well as a description of the item.

Don’t Hesitate to ask for Help

Tax season creeps in quickly…don’t get caught making rushed judgment calls. If you feel as though charitable donations you’ve made could positively benefit your tax year, contact our office at 754-301-2183 and book an appointment to discuss your options.

1,357 thoughts on “Charitable Donations Could Be Beneficial To You This Tax Season”

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