1. Homeowners insurance
Homeowners insurance premiums rose 10.7% on average for new policies in the first half of 2024 compared to the last half of the previous year, according to insurance marketplace Matic. However, as of November, rate growth tapered to 6.6% in the second half of 2024. Matic predicts premium growth will continue in 2025, but at a slowed pace.
Of course, where you live and the environment may play a role in premiums changing. Homeowners in some parts of the country could see rates skyrocket on the heels of disasters such as wildfires and hurricanes — if insurance companies decide to even stick around.
If you’re worried about affording homeowners insurance, it’s a good idea to shop around for rates when your policy is set to renew. And if you own a car, talk to your provider about bundling auto and homeowners insurance for a potential discount.
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Learn more2. Streaming services
Many Americans have decided to cut the cord and sign up for streaming services in an attempt to better curate their entertainment options and lower costs.
But you might pay more for streaming content in 2025. YouTube TV's monthly rate increased from $72.99 per month to $82.99 per month in January. And some Wall Street analysts expect that Netflix will raise prices in 2025 as well.
One thing you can do to save money on streaming services, though, is to do a content audit and make sure you’re not paying for platforms you rarely use. A study published by Bango found that one-third of Americans pay for a subscription they don’t use.
3. Travel
Travel is a luxury a lot of people are willing to prioritize. But in 2025, it might cost you more to get away.
In terms of airfare, American Express Global Business Travel predicts prices on most routes involving of U.S. airports will increase modestly, with domestic flights facing the biggest hikes.
Some of America’s favorite destinations are also adding an extra cost to entry, with more nations in 2025 requiring Electronic Travel Authorizations. These are permit slips that must be paid for by travelers to enter countries that don’t require visas and are tied to your passport.
To save on travel, aim to book your vacation at an off-peak time, which may depend on your destination. Travel site Kayak found that the cheapest month to travel in 2024 was February.
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Try Now4. Eggs
Eggs are a staple item in many people's fridge. But in 2025, egg prices are expected to rise due largely to a wave of avian flu.
Prices overall went up significantly in 2024. Costs can vary depending on what part of the country you live in, however, the consumer price index pegged the value of a dozen large eggs at $4.15 nationwide as of December. That’s up from $2.51 a year prior.
If you’re a household that consumes eggs regularly, one potential source of savings is to buy them in bulk. Otherwise, you can see if local farms have fresh eggs available at a discount compared to your local supermarket.
5. Coffee
If you’re someone who can’t function without their morning dose of caffeine, here’s some bad news. The price of coffee rose more than 80% in 2024, according to The Wall Street Journal, surpassing a record set in 1977. And with concerns brewing about a weak 2025 harvest in Brazil, prices could easily follow a similar pattern this year.
A 2024 survey by Drive Research found that 73% of Americans drink coffee every day, and 51% purchase coffee outside the home at least once a week.
Now, at the risk of sounding like one of those financial gurus, if you’re worried that your caffeine habit will start hurting your budget, consider brewing your coffee exclusively at home to save on costs. And if you’re going to buy coffee from a local chain, find out if it has a rewards program so you can score discounts or rack up points that are redeemable for free drinks.
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