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

cut back on spending crisis increase savings recession business invoice currency bills cash buying fewer items increasing prices expensive financial problem inflation save investment euros power rising paying value conscious home price reducing heat saving money expense uncertainty turn off costofliving electricity water household budget uncertain future utility payment mortgage behavior limiting impulse purchases concept wisely banknote paperwork tax charge apartment energy economic banknotes euro efficient calculation rate house high wealth consumption cost heating electric savers utilities gas living counting