2025年最后几天！这三件省钱的事抓紧办→

Group 1 - The article emphasizes the importance of completing three key tasks by the end of the month, including confirming individual income tax special additional deductions [1] - Individuals must confirm their eligibility for special additional deductions related to education, medical expenses, housing loans, rent, and elder care between December 1 and December 31, 2025, to benefit from tax policies in the following year [1] - The article highlights that the child-rearing subsidy is available for application annually, with a maximum of 3,600 yuan per child per year, exempt from personal income tax [3][6] Group 2 - The personal pension tax deferral policy will be implemented nationwide starting January 1, 2024, allowing individuals to deduct contributions up to 12,000 yuan per year from their taxable income [6] - Investment income within personal pension accounts will not be subject to personal income tax, and pensions will be taxed at a reduced rate of 3% upon withdrawal [6] - The article encourages individuals to utilize the personal income tax app for seamless management of pension contributions and tax deductions [6][8]