Take the time to settle down to stock up on the benefits to which you are entitled for 2023 but also to initiate complaints and procedures before it is too late.
Before December 6: correct your tax declaration
If you have declared online, it is possible, until December 6to modify your 2023 declaration (2022 income) online very simply, via your personal space tab “Access the online correction” on the site impots.gouv.fr. “And until December 31, 2023, you can also correct or contest your 2021 and 2020 tax returns, online and/or by registered mail (postmark taken as proof). But also your Residential taxes and land, for the years 2022 and 2023″recalls Me Le Quintrec, tax lawyer at the Paris bar.
Before December 8: manage the payment of your taxes
And if you have requested, in 2023, to adapt your withholding tax rate to your situation, you must confirm it, online from your personal space, before December 8 to maintain it in 2024. You have until December 15 December for opt for monthly payment of property and/or housing tax from January 2024.
Before December 15: reap tax benefits
A certain number of operations entitle you to tax reductions for the year 2023, provided they are completed before December 31. In fact, you often have to do it before mid-December.”This is particularly the case for payments made on a PER (retirement savings plan) within certain limitsreports Alexandra Nabet, wealth management consultant, partner of the Neofa platform. Be careful, however, not to delay, she warns. Some insurance companies stop recording payments well before December 31.”
Other avenues to explore : home help expenses, donations, investments in SMEs, work in a rented property, etc. also entitle you to tax relief.
Before December 15: opt for an electric car
If you are considering purchasing a car benefiting from an ecological bonus, there is no point in delaying the operation, because the 2024 model year promises to be more restrictive in terms of the allocation criteria. “You can benefit from the bonuses in force in 2023, for any new car ordered before December 15, 2023 inclusive, provided that invoicing takes place on March 15, 2024 at the latest“, reveals Céline Kastner, director of public policies for the Mobilité Club France association (formerly Automobile Club Association).
Before Christmas: donate to associations
The time is ripe for this and it is also the final stretch to benefit from the tax rebate on your income which accompanies your generosity. Provided it is taxable and the association is eligible, the reduction amounts to 66% to 75%. It is established, for example, at 75% of the amount of donations to associations helping people in difficulty (meals, housing, care, etc.) up to a limit of €1,000.”However, avoid doing it on New Year’s Eve.recommends Me Natacha Le Quintrec. And choose the transfer so that your transaction is collected in 2023.”
Before the holidays: placements and withdrawals to be arbitrated
For Marie-Noëlle Auclair, expertise and solutions director at Eres, “if your company offers a employee savings scheme (company or retirement savings plan), combined with a financial boost from your employer (contribution), don’t hesitate to fund your plan before New Year’s Eve to take advantage of the 2023 contribution. The liberal professions, for their part, will stock up on their Madelin retirement contract or on their PER (retirement savings plan)”. “As for those who wish to withdraw money from their life insurance contract, it may be worth waiting a few months if their contract is due to celebrate its 8th anniversary soon. IThey will thus benefit from more lenient taxation.underlines Caroline Mounier, heritage engineer at Eres.
Now is the right time to benefit your loved ones
The end of year celebrations are ideal for giving without taxes, without formality and without inheritance (we speak of “customary gifts”) to your children, grandchildren, nephews or nieces. The law does not set limits as long as the gift corresponds to your means!
Pay attention to deadlines
This is the deadline to pay for home employment, school support, gardening or IT services with your pre-funded Cesu issued in 2023. Beyond that, they will be permanently lost.
It is also the deadline to use your paper meal vouchers. However, you can give them to your employer to exchange or give them away. Other rules apply to dematerialized securities and vary depending on the players (Swile, Edenred, etc.).
This is the deadline – at the latest (postmark as proof) – to exchange your Classic Holiday Vouchers, Connect Holiday Vouchers and Sport Coupons issued in 2021 and which expire on December 31, 2023. Please note, processing and shipping fees apply.
This is also the end of validity date of the 2023 energy check.
- Also think to the cards and gift vouchers received last year. Their validity period is generally 12 months. If you have any, also look at the expiry dates for using your “credits” and your gift boxes.
Read also :
⋙ Holders of a LEP (popular savings account): how much will you receive on January 1, 2024 thanks to interest?
⋙ Caf Calendar 2024: payment dates for benefits
⋙ Retirement, taxes, Christmas bonus: everything that changes in December 2023