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

lack of money financial utility problem saving paperwork savings rate finance bill expense economic crisis consumer rising prices paying bills conservative consumption save savers business cost spending wisely apartment accounting invoice insecurity behavior living reducing wealth household budget mortgage costofliving habits value conscious currency investment uncertain future increasing water energy high efficiency heat expenses efficient increase house receipt invest economy payment banknotes inflation handwritten heating turn off power utilities counting pay calculation electric electricity home buying fewer items uncertainty banknote