By Vera Gibbons

SEATTLE (Zillow) —Just into the New Year, here’s my take on what’s in and what’s out — financially — in 2013:

In: Credit cards
Out: Cash

Granted, some Americans are beginning to use cash instead of credit, but most of us still rely on plastic. Balances and delinquency rates are up (90 days past due), and this trend is expected to continue this year, according to a forecast by credit reporting agency TransUnion. Why? In part because credit has loosened, and risky borrowers are getting cards.

In: Contract/freelance work
Out: Full-time employment

According to some labor experts, the number of U.S. workers who are “contingent” (meaning they work as freelancers/contractors, take on projects, etc.) is at about 30%, and this number is expected to rise. Companies have grown accustomed to the flexibility, and you’re paying the price: no job security, no benefits, nah dah.

In: Credit unions
Out: Big banks

Credit unions have been growing in popularity in part because of consumers’ growing disillusionment with big banks. We’re annoyed with all the fees (especially the monthly maintenance fees), and the nickel-and-diming. Furthermore, we don’t like or trust big banks, and that has us looking for alternatives such as credit unions, which offer not only higher rates on deposits and lower rates on loans, but a kinder, gentler experience overall.

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In: Homeownership
Out: Renting

Given that homes are more affordable than ever and mortgage rates still at record lows, and given that rents keep rising (Zillow’s data shows nationally rents are up 4.5% this past year) it makes more financial sense to buy in most markets today than it does to rent, according to Zillow’s Breakeven Horizon analysis. In some markets — such as Miami, Tampa, Orlando, Phoenix, Las Vegas and others — you can break even in under two years.

One caveat: Remember, all real estate is local, and in major markets such as NYC and San Francisco, renting continues to make more sense than buying. Check out Zillow’s analysis to see how your market fares in the rent vs. buy debate.

In: Buying local
Out: “Made in China”

Granted, most of us still shop at the big-box chains, but some local businesses — whether selling homegrown food, gifts or specialty items — have seen a surge in interest in keeping business dollars at home/putting the money back into the local economy and going for that quality, personalized shopping experience. “Buy local” campaigns have helped drive this awareness/interest.

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