You can only claim contributions made in 2020 on your 2020 income tax return. You cannot save them for future years. The IRS goes by calendar year.
The IRS says, “Contributions must actually be paid in cash or other property before the close of your tax year to be deductible, whether you use the cash or accrual method.”
Bundling contributions means doubling up on contributions every other year. For example, instead of contributing $100 to a Charity A every year, you give $200 every other year.
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