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

business value conscious efficient consumption expensive cost banknotes electric paperwork increase invest budget economy limiting impulse purchases household bills energy buying fewer items housing saving money lack of economic crisis wealth conservative apartment concept utilities home heat cut back on spending power financial problem wisely charge mortgage electricity utility price tax uncertain future higher prices investment recession savings costofliving dollars habits pay accounting gas paying payment counting water inflation dollar expenses savers calculation handwritten reducing bill heating banknote finance cash