These are scary times. Folks are cracking open their first paychecks of 2013, only to find that they're making 2% less than they used to.

This probably isn't news to you and me. We're financially savvy. We knew that the promise to not raise taxes on the middle class didn't include extending the two-year stimulus plan that lowered Social Security taxes from 6.2% of a salary to 4.2%.

However, now that everyone realizes that there will be less disposable income to dispose of in 2013, many consumer-facing companies are rightfully starting to get worried. Their customers just got a 2% pay cut, and that's going to make it harder to sells goods and services that aren't absolutely necessary.


Thankfully, there are plenty of companies that were built for just this kind of scenario. Let's look at a few companies that should benefit from consumers who cut back on their expenditures this year.

Netflix
The leading video service may seem like an odd choice to start this list. If someone making $50,000 a year suddenly starts making $1,000 less, cancelling Netflix's $7.99 per month is a good place to start.

However, that will tackle less than 10% of the shortfall. The real challenge is to dramatically shave a home's media entertainment expenses, and chunky cable and satellite television bills are an obvious place to start.

Folks aren't going to eliminate their Internet connections. We've grown too wired to bail on broadband. The push to make the most of that connection will hasten the pace of cord-cutting, and understandably so. Netflix will become an important lifeline to commercial-free streaming content. After ripping out that $100 monthly cable bill, Netflix at $8 will be a screaming and streaming bargain.

Five Below
The Wall Street Journal recently ran an article about retailers who are bracing for stingier shoppers.

Five Below lives for that. The fast-growing chain sells a broad selections of closeouts on crafts, fashion accessories, and media items for $5 or less. There are plenty of outlets and clearance-bin specialists out there, but Five Below is the one that appeals to young shoppers by making thriftiness fashionable.

The proof is in the growth. Five Below's net sales soared 40% in its latest quarter, fueled by heady expansion and an impressive 8.8% spike in comparable-store sales.

Coinstar
The DVD is fading as a platform, but paying $1.20 for a nightly movie rental of a somewhat recent release is a deal. Instead of forking over $5 for a pay-per-view rental from home -- or not even having that option once the cable company has been shown the door -- the trek out to a conveniently located Redbox kiosk makes sense.

There will probably be plenty of people breaking up with their premium TV providers and settling for a combination of Netflix and Coinstar's Redbox.

SodaStream
Why buy soda when you can fizz up tap water at home? SodaStream's popularity has surpassed the novelty phase of making carbonated pop, and the economical math is also kind once you get past the initial $80 (or more) investment in the starter system.

Between carbonator and syrup, it costs roughly $0.25 for a 12-ounce serving of SodaStream soda. Sure, generic store brands can often be had for that price, but the freshness of homemade drinks and the eco-friendly benefits of SodaStream make it more than just a convenient kitchen appliance.

Chipotle Mexican Grill
During the darkest recessionary stretches -- when most casual-dining and fast-food chains were struggling to drum up business -- America's cult-favorite burrito roller was still cranking out positive comps. Chipotle pointed out at the time that it may have lost some weekday traffic, but business would spike on Friday as consumers treated themselves to affordably priced comfort food.

There's no mistaking that the payroll tax stimulus will hurt restaurants. However, it will mostly crush the weak and average chains. The kind of place that patrons settle for is the one that will suffer. That's not Chipotle, where a gargantuan burrito will set you back about the same as a nondescript fast-food combo meal.

One more pick for 2013
The Motley Fool's chief investment officer has selected his No. 1 stock for the next year. Find out which stock it is in our brand-new free report: "The Motley Fool's Top Stock for 2013." I invite you to take a copy, free for a limited time. Just click here to access the report and find out the name of this under-the-radar company.

The article 5 Consumer Stocks That Will Thrive in 2013 originally appeared on Fool.com.

Longtime Fool contributor Rick Aristotle Munarriz owns shares of Netflix and SodaStream. The Motley Fool recommends and owns shares of Chipotle Mexican Grill, Netflix, and SodaStream. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

Copyright © 1995 - 2013 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.


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