Predictions for 2013: Grocery prices to rise, gas prices to continue to fall

So what can we expect in the New Year? I don't have a crystal ball, but it's a safe bet that your grocery bill will continue to go up. The USDA expects a 3 to 4 percent rise in food prices in 2013, especially for dairy products, cereals and bakery goods.

The editors at dealnews.com predict smart phones, cars and many luxury items will be more expensive this year.

On the bright side: gasoline prices are likely to continue going down, barring unforeseen circumstances.

Good news for home buyers. Mortgage rates should stay low. Bankrate.com says the average rate for a 30-year fixed should remain below 4 percent for much of the year, even if the economy continues to improve.

Cybercriminals are sure to step-up their game again in 2013. Malicious software that can encrypt your hard drive, making all the data useless, is becoming more common.

More attacks will be focused on mobile devices. If you have a smartphone and you don't have anti-virus software, you're asking for trouble.

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What Consumers Can Expect in 2013