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recently I talked about how affordable groceries are and there's one business that is absolutely getting clobbered because people are finding that eating out is so much more expensive right now than eating at home because restaurants not only have the cost of food and their cost of food is down too but their labor costs are up so the gap is extra large right now between the cost to serving somebody a meal at home or out so people are eating out less be very careful through the holiday season buying restaurant gift cards they'll offer you bonuses on your money in order to buy those but a lot of restaurants are closing a lot of chains failing so if you do buy gift cards for restaurants use them right away I'm Clark Howard