Rising home prices, the whittling down of vacant housing across the nation, coupled with dropping unemployment rates, will prompt shoppers to spend mightily on home goods in 2013, according to the report.

FORBES: Amid Housing Rebound, Home Is Where The Profit Will Be This Year For Retailers

Why use a debit card rather than a credit card, they ask, when the latter offers a month's free credit for prompt bill-payers and better protection in case of defective goods?

ECONOMIST: Debit cards