2013 is going to be the year of the coffee drinker thanks to an oversupply of fancy coffee beans. Prices for arabica beans are down by about 40% on a bumper crop.

So what you pay for fancy coffee -- not the junky robusta beans they give you free at work -- should be going down. But beware of snatching defeat from the jaws of victory.

If you buy your joe at a fancy coffee shop, you'll miss out on all the savings. Just be sure to buy it in the supermarket and fix it for yourself. Keurig machines are particularly popular for brewing fancy coffee at home.

In my house, my wife buys her fancy coffee from Costco. The Kirkland Signature private label works out to be about 37 cents a cup. That's a deal!