counting expenses bills on housing electricity, gas, water. banknotes of euro cash around. high prices for energy

money living spending habits financial behavior counting uncertainty bills power increasing prices housing paperwork savings rate budget utility insecurity banknote recession expenses handwritten euro business consumption wealth save apartment accounting gas buying fewer items value conscious conservative rising mortgage water paying reducing economic crisis energy tax problem uncertain future cash banknotes inflation euros utilities currency investment turn off higher cut back on home savers high economy receipt heat increase invest payment wisely expense bill household concept heating efficient consumer costofliving