dollar cash money with notebook handwritten housing expenses. counting bills for electricity, gas, water. concept of

expense insecurity consumer costofliving crisis home savers higher prices spending habits heat payment efficient consumption house bills housing receipt accounting cut back on economic increasing apartment saving money paying expenses charge financial behavior wealth calculation finance living reducing currency lack of energy savings rate utility uncertainty recession electricity gas wisely invest price inflation investment cash dollar invoice mortgage heating save efficiency high value conscious counting limiting impulse purchases dollars rising business turn off handwritten water increase buying fewer items expensive