If you're wishing you could have just slept in today...here's a list to remind you why you can't AFFORD to.  These are four major things that will cost more this year than they did in 2010...

#1.)  Groceries.  The Department of Agriculture predicts a two to three percent increase in the cost of all food in 2011, mainly because the prices of corn and soybeans are going up.

--But food prices went up by almost 6% in 2008, so we should probably consider ourselves lucky this year.

#2.)  Clothing.  The price of clothing has been going down for the last decade.  But cotton is 80% more expensive than it was at the beginning of 2010.  And some clothing brands are increasing their prices by as much as 10% in 2011.

#3.)  College.  This year, the tuition prices at four-year universities is up by almost 5% for private schools, and 8% for public schools.  That's why a lot more people are going to community college first, then transferring.

#4.)  Gas.  The former president of Shell Oil recently predicted that gas will cost FIVE DOLLARS A GALLON by the end of the year, which is about $2 higher than the current national average.  Let's hope he's wrong.