It’s time to think about steps to lower your tax bill for this year and next. If you itemize deductions, you may be able to deduct medical expenses, state and local taxes up to $10,000, charitable donations and eligible mortgage interest. But these deductions won’t save taxes unless they’re more than your standard deduction ($25,900 for joint filers, $12,950 for singles and $19,400 for heads of household). You may be able to work around the deduction limits by bunching discretionary medical expenses and charitable donations into the year where they’ll do some tax good. For example, if you itemize for 2022 but not 2023, you may want to make two years of charitable contributions this year.