For many, autumn is the best time of year. The return of cool breezes, comforting foods, and pumpkins can be invigorating. It’s also a bookmark of sorts, especially for your finances—a perfect time to take stock of your spending after the summer’s over to see what lies ahead.

The average U.S. income tax rate stands at just over 13%—and if you’re like many taxpayers, you’re always looking for new tips and tricks to help reduce this percentage.