Taking All the Credit: Tax Credits That Could Give Your Family a Break

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1 Taking All the Credit: Tax Credits That Culd Give Yur Family a Break Vlume 26 Tax seasn is here again! D yu fear ding yur taxes r feel that it is a chre? It desn't have t be scary r take a lt f wrk. If yu prepare ahead f time, yu will find it easy t d. Make sure yu're aware f the tax credits available fr families that can lwer yur taxable incme. Defining Tax Talk The Internal Revenue Service r IRS has its wn tax language. Belw are standard tax wrds and phrases. Deductin: Any amunt that can be subtracted frm the ttal salary yu pay taxes n. Credit: An amunt f mney the IRS allws yu t deduct fr different situatins. There are many different credits yu can take as a deductin if yu are eligible. There are credits yu can take just by having children, credits fr earning under a certain amunt f mney, credits fr the mney yu pay t g t cllege, and mre. A credit will be deducted frm yur tax bill. If yu d nt we anything, yu will receive the credit in the frm f a refund. Refund: Mney that yu will receive frm the IRS if the ttal amunt f yur deductins and credits is mre than the taxes wed n yur earnings. Dependent: A child wh lives with yu r that yu pay fr half r mre f his r her expenses during the year; r yur spuse r parent if they are nt able t wrk r take care f themselves. Filing Status: A categry that is based n whether yu're married r nt, and the amunt f the ttal husehld expenses yu pay. Yu have t chse a filing status n yur tax frms. Yu will be taxed accrding t which filing status yu list n yur taxes. The filing status yu can chse frm are: Single (nt married) Married filing jintly (yu file with yur spuse) Married filing separately (married, but yu and spuse file separate tax returns) Head f husehld (yu have ne r mre children, and culd be married r single. If married, yu dn't live with yur spuse) Widwer Fr mst f the tax credits, IF yu are married, yu MUST file as married filing jintly in rder t receive these credits. Eligibility: In rder t take credits r deductins, yu will need t meet the rules fr taking that credit r deductin. Fr example, in rder t be eligible fr the Child Tax Credit, yu have t have a dependent child under the age f 17 years. Ppular Federal Tax Credits fr Families

2 Here are the tp tax credits fr many families. Yu can take any r all f these credits if yu qualify. See if any f these apply t yu: EARNED INCOME TAX CREDIT (EITC) The EITC may be fr yu, if: 1. Yu are married and yur cmbined salary is less than: $34,692 a year (and yu have 2 r mre children). $30,666 a year (and yu have 1 child). $12,239 a year (and yu have n children). 2. Yu are single and yur yearly salary is less than: $33,693 a year (and yu have 2 r mre children). $29,666 a year (and yu have 1 child). $11,239 a year (and yu have n children). This credit is best fr: Single peple r married cuples with lw incmes. T receive this credit yu must: Have a yearly salary that meets the limits based n the number f children yu have. If yu are married, yur filing status must be married filing jintly. CHILD TAX CREDIT D yu knw that yu can receive a tax credit f up t $1,000 fr each child that yu have under the age f 17? This credit is best fr: Parents with children under the age f 17. Yu earn a credit fr each child under 17. T receive this credit yu must: Have at least ne child under the age f 17. CHILD AND DEPENDENT CARE TAX CREDIT This tax credit has several requirements. Hwever, if yu d quality fr this credit, yu can deduct a lt f the child care r dependent care expenses yu paid in This credit is best fr: Wrking parents (bth parents have t wrk) with children under the age f 13 wh are in child care r in an after schl care prgram. One parent wh wrks and the ther parent is a full-time student wh desn t wrk and they have children under the age f 13 wh are in child care r in an after schl care prgram. Anyne wh pays fr the care f his r her spuse wh has a disability and wh is unable t care fr himself r herself. Anyne wh pays fr the care f an ill r disabled parent.

3 T receive this credit yu must: Wrk and earn enugh t be taxed n that incme. Pay fr the care f a dependent: a child under 13 years ld, a spuse with a disability, r a parent wh needs care while yu are at wrk. DON T MAKE THIS MISTAKE - Over 600,000 families did nt take advantage f $238 millin in tax refunds fr Child Tax Credit - 15% f eligible families d nt take claim Earned Incme Tax Credit Dn t Frget Yur State Tax Credits Many states have their wn Child Care and Dependent Care Credit. If the state that yu live in has this credit, yu can file this type f claim bth in yur state and federal taxes. Cntact yur state tax r revenue ffice fr mre infrmatin. Currently the fllwing states d have Child Care and Dependent Care Tax Credits: Arkansas Califrnia Clrad Delaware District f Clumbia Hawaii Idah Iwa Kansas Kentucky Luisiana Maine Maryland Massachusetts Minnesta Missuri Nebraska New Mexic New Yrk Nrth Carlina Ohi Oklahma Oregn Rhde Island Suth Carlina Vermnt Virginia Get Help t Prepare Yur Taxes Many wrking families d nt use prfessinal tax preparers because f the high csts. There are plenty f well-knwn tax preparatin chains that have ffices everywhere, but they can charge up t $300 r mre per tax return. These fees are ut f range fr many families, and especially fr many lw incme r elderly peple n fixed incmes. At the ther end, sme families may

4 use friends r cwrkers wh d taxes, n the side, and may nt be aware f the latest tax updates r requirements. It is imprtant t make sure that when yu d file yur taxes, yu are getting them dne by smene wh has enugh experience and the latest infrmatin n tax laws. The IRS, states, and many private cmpanies have cme up with help t get free tax services t thse wh need it. Try These Optins fr Free r Lw Cst Help with Taxes The Vlunteer Incme Tax Assistance (VITA) prgram, a free service created by the IRS, t help lw-incme peple with their taxes. T find a prgram nearest yu, call TAX-1040 r The American Assciatin f Retired Persns (AARP) has free tax preparatin services fr lw incme, nn-english speaking, and senir citizens in many states. T find an ffice near yu, visit r call their tll free line at There are many states that have free tax assistance lcatins. Alabama Califrnia Clrad Iwa Kansas Kentucky Maine Massachusetts Mississippi Missuri Mntana Nebraska Nevada New Hampshite New Yrk Nrtha Carlina Ohi Utah Vermnt Wyming T lcate the nearest VITA site, call Other places that ften ffer free tax help are: Cmmunity clleges Law clinics Libraries What Yu Need t Take With Yu

5 When yu are ready t d yur taxes, make sure yu have everything yu need t help things g smthly. Hpefully, all thrugh the year yu have been keeping yur imprtant receipts and papers in a special flder r envelpe s that yu can just pick it up and take it with yu. Here are the papers and infrmatin yu will need t take with yu: Pht identificatin such as a driver's license, VISA, r wrk I.D. All W2s and 1099s (yurs and spuses) All receipts (child care, dependent care - r ttals fr each; tuitin expenses, mving expenses, ther expenses yu will deduct) Tax ID numbers fr all prviders f care Scial Security Numbers, birthdates f all family members listed n yur tax returns A cpy f last year s tax return(s) With all the necessary papers, yu are well n yur way t getting the tax credits and deductins fr which yu qualify. Fr Mre Infrmatin There is a lt f help ut there t help yu with yur taxes. Here are sme resurces. Natinal Wmen's Law Center. By Phne: By AARP By Phne: Children's Defense Fund. This website has a lt f state and federal tax resurces. By Phne: (202) Vlunteer Incme Tax Assistance. A free vlunteer prgram, under the IRS, t help lwincme families prepare their taxes. By Phne: Center fr Budget Pririties. The center has infrmatin and resurces fr lw-incme families. They als fcus n tax issues and ther federal and state plicies and prgrams affecting families. By Phne: (202)

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