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

housing paying spending habits currency tax invoice financial problem behavior counting heat price banknote electricity economy high prices water consumption wisely insecurity crisis cash business wealth efficient save consumer invest accounting receipt concept increasing money living bills efficiency cut back on higher cost euros reducing charge savings handwritten finance euro expensive electric increase heating energy saving payment bill limiting impulse purchases expense investment calculation recession costofliving expenses savers rate utility apartment economic banknotes pay home paperwork buying fewer items value