有一件事是肯定的：2022 年会让你付出代价。

在通货膨胀和持续的供应链问题之间，消费品的价格几乎全面上涨。

http://DealNews.com 的消费者分析师朱莉拉姆霍尔德说：“我真的不认为有任何办法逃避。”

但这并不意味着您不能更明智地购买您需要和想要的东西。

这里列出了一些在未来一年中将花费更多的主要项目，以及您现在可以做些什么。

1. 住房

对一些人来说，即使抵押贷款利率跌至创纪录低点，买房仍是疫情带来的最大挑战之一。CoreLogic公司副首席经济学家塞尔玛•赫普表示，不幸的是，2022年可能又将是创纪录的一年，因为所有城市的房价继续以比一年前快两到三倍的速度上涨。"明年抵押贷款利率料将上升，这将带来进一步的挑战，"她补充道。

专业建议：利率上调可能有助于抑制住房需求，至少在一定程度上，这可能会导致房价增长不那么剧烈，竞价大战也会减少，最终会让一些购房者更容易进入市场。而且随着租金的上涨，现在仍然是买房的好时机。

2. 食物

去杂货店买东西不仅仅是像鸡蛋、肉类和牛奶等主食变得越来越贵；由于供应链和劳工问题增多，可口可乐和百事可乐也宣布涨价。亿滋首席执行官德克•范•德•普沃特最近在接受美国财经频道采访时表示，就连奥利奥饼干、丽兹饼干和儿童糖衣饼干的价格在2022年也将上涨，年初价格将上涨7%。

小贴士：要避免在食品杂货上被掏钱是很困难的。拉姆霍尔德建议，留意每周的销售情况，尽可能囤货。虽然优惠券可能被认为是过时的，但很多商店都有电子交易或会员折扣，可以帮你省钱。一张杂货店奖励的信用卡也可以帮助你每周消费。

3.服装

美国人终于准备好告别他们的运动裤了，但现在不是购物的最佳时机。根据麦肯锡的一份时装业务报告，尽管今年服装销售预计将全面复苏，许多购物者希望更新疫情时期的衣柜，但供应链压力将推动零售价格平均上涨3.2%——15%的时装高管预计在2022年价格将上涨10%或更多。

小贴士：在购买新衣服之前，先把你的旧衣服变成现金。您可以亲自或通过Tradesy、Poshmark和thredUP等网站在线售出

4. 采暖费

这个季节的取暖费账单可能会让你出一身冷汗。根据美国能源情报署(U.S. Energy Information Administration)的《2021年冬季燃料展望》(winter Fuels Outlook 2021)报告，近一半使用天然气供暖的家庭预计将比去年冬季平均支出高出30%。报告称，丙烷用户的支出将增加54%，取暖油用户的账单将增加43%，电力用户的支出预计将再增加6%。

小贴士：考虑进行家庭能源审计，并找到需要改进的地方，比如密封透风的窗户。在一些州，公用事业公司甚至可能免费提供这项服务。

5. 汽油

在汽油价格在过去一年中飙升了58.1%之后，很难想象还要花更多的钱在加油站。然而，据http://GasBuddy.com称，在包括密歇根州、印第安纳州、俄亥俄州、伊利诺伊州和肯塔基州在内的一些州，汽油价格可能“很快”会进一步上涨，部分原因是批发价格的上涨。

小贴士：加油站之间的价格会有很大的波动，这取决于你住的地方。即使每加仑汽油的价格差异看起来并不大，但每年加起来仍要花费数百美元。

6. 外出就餐

自疫情开始以来，餐馆一直处于压力之下，持续不断的人员配备挑战不会很快消失。因此，除了支付更高的食品价格外，大多数公司不得不提高工资以吸引工人，这意味着菜单价格也将上涨。

小贴士：寻找每周的特价或餐饮优惠，比如汉堡买一赠一之类。有时候，花同样价格甚至更高价格但获得更多的东西也是增价的好方法。

7. 汽车

新车价格处于历史最高水平，过去成交好的二手车和卡车价格一直在推动通货膨胀的爆发，同比上涨31.4%，使这一现象尤为严重。具有挑战性的时间来购买汽车。

小贴士：您可能无法降低价格，但经销商为二手车支付的价格更高，这意味着您可以通过以旧换新或以低于市场价格的租赁买断价格获得更多收益。

8. 计算机和电子产品

电脑、电视和视频游戏机都受到持续芯片短缺的严重打击，这意味着库存要少得多，即使你愿意支付溢价——很多人都愿意支付溢价，因为 自从疫情大流行推动游戏热潮后，基本上不可能买到视频游戏机。

小贴士：今年的一些最佳促销将在总统日和超级碗周日到来，届时零售商会降价销售去年的型号，以便为今年的产品腾出空间。Ramhold 说，否则，请在有货时尽可能地下手。即使供应最终赶上需求，这些价格也不太可能回落。

9. 家具

居家生活让大多数人都陷入了装修热潮，但即使是小的改变也不便宜。据联合国贸易与发展会议(United Nations Conference on Trade and Development)称，由于集装箱运费上涨，家具价格在未来一年可能上涨10%以上。更不用说更大改造所需的建筑材料的价格了。

小贴士：在运输延迟和供应方面的问题缓解之前，一个良好的整理和一层新的油漆可以提供一个急需的改善。

10. 医疗保健

早在大流行之前，支付医疗保健费用就是一个问题。如今，根据咨询公司Milliman发布的一项医疗指数，医疗成本较2020年上升了8.4%，这使得许多美国人无法负担医疗费用。

小贴士：不要拖延去看医生。帮助降低成本的一种方法是使用享受税收优惠的医疗费用账户——特别是健康储蓄账户或灵活支出账户。为了能够使用HSA，你需要加入一个高免赔额的健康计划，或HDHP。然后，捐款在免税的基础上增长，你可以用这笔钱进行投资，防止医疗保健通货膨胀。

英文版

One thing is for sure: 2022 is going to cost you.

Between inflation and ongoing supply chain issues, prices are rising on consumer goods nearly across the board.

“I really don’t think there’s any way to escape,” said Julie Ramhold, a consumer analyst with DealNews.com.

But that doesn’t mean you can’t shop smarter for the things you need and want.

Here’s a list of some of the major items that will cost more in the year ahead, and what you can do about it now.

1. Housing

For some, buying a house has been one of the pandemic’s greatest challenges, even as mortgage rates hit record lows. Unfortunately, 2022 could be another year of new highs as home prices continue to appreciate two-to three-times faster than a year ago — across all cities, according to CoreLogic Deputy Chief Economist Selma Hepp. “An expected increase in mortgage rates next year will present further challenges,” she added.

Pro tip: Higher rates could help dampen demand for homes, at least a little, which may result in less dramatic home price growth and fewer bidding wars, eventually making it easier for some homebuyers to get in the door. And with rent prices going up, it will still be a good time buy.

2. Food

Going to the grocery store is going to start eating away at your budget very quickly. It’s not just staples like eggs, meat and milk that are getting more expensive; Coca-Cola and PepsiCo also announced price increases, thanks to more supply-chain and labor problems. Even Oreo cookies, Ritz crackers and Sour Patch Kids will cost more in 2022, Mondelez CEO Dirk Van de Put recently told CNBC — starting with a 7% price hike in the beginning of the year.

Pro tip: It’ll be hard to avoid getting gouged on groceries. Watch for weekly sales and stock up when you can, Ramhold advised. And while clipping coupons may seen outdated, many stores have digital deals or membership discounts that will save you money. A credit card with grocery rewards can help with your weekly spending, as well.

3. Clothing

Americans are finally ready to say goodbye to their sweatpants but this isn’t going to be the best time to shop. Even though clothing sales are expected to make a full recovery this year with many shoppers looking to refresh their pandemic-era wardrobes, supply chain pressures will drive retail prices higher by an average of 3.2%, according to a report on the Business of Fashion by McKinsey — and 15% of fashion executives expect to increase prices by 10% or more in 2022.

Pro tip: Before buying anything new, turn your old clothes into cash. You can consign in person or online through site like Tradesy, Poshmark and thredUP.

4. Heating costs

Heating bills could put you in a cold sweat this season. Nearly half of households that heat with natural gas are projected to spend 30% more than they did last winter on average, according to the Winter Fuels Outlook 2021 report from the U.S. Energy Information Administration. Propane users will spend 54% more, while heating oil users could see bills go up 43% and electricity users are expected to spend another 6%, according to the report.

Pro tip: Consider a home energy audit to spot and fix potential leaks and find areas for improvement, like sealing drafty windows, for starters. In some states, utility companies may even offer the service for free.

5. Gas

After gasoline prices jumped a whopping 58.1% over the past year, it’s hard to imagine paying even more at the pump. And yet, in some states, including Michigan, Indiana, Ohio, Illinois and Kentucky, gas prices are likely to bump up even further “very soon” due, in part, to a rise in wholesale prices, according to GasBuddy.com.

Pro tip: Depending on where you live, there can be big price swings between gas stations. Even if the difference in price per gallon doesn’t seem like much, it can still add up to hundreds of dollars a year.

6. Dining out

Restaurants have been under pressure since the very start of the pandemic and ongoing staffing challenges aren’t going away anytime soon. As a result, most have had to raise wages to attract workers on top of paying more for food and that means menu prices will be going up, too.

Pro tip: Look for weekly specials or dining deals, like two-for-one burger nights. Sometimes getting more for your money is a good way to add value even at a higher price.

7. Cars

New car prices are at an all-time high, while used car and truck prices, which used to be a good way to score a deal, have been driving the inflation burst, up 31.4% year over year, making this a particularly challenging time to shop for an automobile.

Pro tip: You may not be able to get the price down, but dealers are paying more for used autos, which means you could get more on a trade-in, or a lower-than-market price in a lease buyout.

8. Computers and electronics

Computers, TVs and video game consoles have all been hard hit by the ongoing chip shortage and that means there’s much less inventory, even if you are willing to pay a premium — which many people are since it’s become basically impossible to buy a video game console during the pandemic-fueled boom for gaming.

Pro tip: Some the best sales of the year are coming up around Presidents’ Day and Super Bowl Sunday when retailers mark down last year’s models to make room for this year’s offerings. Otherwise, score what you can when it’s in stock, Ramhold said. These prices aren’t likely to come back down even when supply finally catches up with demand.

9. Furniture

Sheltering at home sent most people into a renovation frenzy, but even small updates won’t come cheap. Furniture prices could rise by more than 10% in the year ahead due to higher container freight rates, according to the United Nations Conference on Trade and Development. Not to mention the price of building supplies for more major makeovers.

Pro tip: A good decluttering and a fresh coat of paint can provide a much-needed boost until some of the shipping delays and supply-side problems ease up on those bulkier items.

10. Medical care

Paying for health care was a problem long before the pandemic. Now, health costs are up 8.4% from 2020, according to a medical index published by consulting firm Milliman, pushing the cost of care just out of reach for many Americans.

Pro tip: Don’t delay going to the doctor. One way to help with the cost is to use tax-advantaged accounts for medical expenses — specifically, health savings accounts or flexible spending accounts. To be able to use an HSA, you need to be enrolled in a high-deductible health plan, or HDHP. Contributions then grow on a tax-free basis and you can invest that money to keep pace with or beat health-care inflation.‍