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The taxes and interest you pay on your home are only allowed to be deducted in the year you pay them. You cannot save the deductions for a future year when you think you may need them.
Unfortunately, if you do not use the deductions in the current year then they are lost and you cannot use them in a future year.
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Is there anything I can decide not to use in the current year any opt to carry forward other than business type items?
Business is the use required.
Personal deductions do have some carry overs but not by choice. For example, charitable contributions that you are not able to deduct in the current year because they exceed your adjusted-gross-income limits. You can deduct the excess in each of the next 5 years until it is used up, but not beyond that time. Your total contributions deduction for the year to which you carry your contributions cannot exceed 50% of your adjusted gross income for that year.
You cannot just hold on to the contributions and use them in a later year, you have to first apply the amount in the year contributed then excess can be carried forward.
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What happens if I cannot take any of it in the year eligable because it will have no effect on taxes. Can I still carry forward for futures years (up to five) e.g. 2013 cannot use any of it., 2014 can use 37% of, 2015 cannot use, 2016 can use remainder of 2013, and have some from 2015, and all of 2016?
No unfortunately. You have to use in the year of the contributions first.
If you cannot use any then you have no carry forward.