Get ready to feel the pinch. Three of your household bills are on the rise in 2011.

Grocery bills

According to the USDA, overall food costs are expected to increase by 2% - 3% in 2011; dairy and meat is expected to rise even more, to 3% - 4%. Fight the increase by shopping the sales, eat seasonal foods, plan your meals, and clip coupons.

Gas tank

Shell Oil warns that gas prices will hit $5 a gallon this year. Now more than ever, share a ride, car pool, bike, or walk. Watch gas prices and fill up when the cost is lower.

Bank fees

Check your bank statement and understand your bank and ATM fees. Talk to your bank about how you can lower these cost and if need be - shop around. Review your credit card statement to ensure your charges are accurate, and know the interest rates. Consolidate where you can, and reduce your credit card debt, by paying cash, not credit. Keep track of household bills and expenses, and make adjustments. Small changes will help you save money.