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

bill high prices recession savings rate counting paying accounting wealth gas buying fewer items financial behavior spending habits payment pay savers heating expensive save concept utilities expense apartment increasing budget mortgage euro wisely insecurity lack of money bills cut back on efficient consumption saving expenses invest receipt housing uncertain future electricity costofliving crisis economy energy charge conservative finance limiting impulse purchases reducing economic heat tax increase inflation currency paperwork home power invoice calculation efficiency handwritten consumer higher electric euros house