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

money paying bill receipt utilities electricity gas water payment handwritten increasing prices lack of efficient recession turn off consumer rising value conscious uncertainty reducing spending buying fewer items limiting impulse purchases costofliving crisis banknote saving economic bills habits uncertain financial future cut back on savings rate savers wisely behavior conservative consumption housing save invest pay heating energy tax household budget accounting paperwork mortgage problem counting expenses cash high inflation economy insecurity higher price finance utility cost business power charge electric