young woman freezing at home warming herself by putting on lots of hats and sweaters. concept of energy crisis, high bills,

apartment bills caucasian climate clothes clothing coat cold concept covered covering crisis dressing economy energy face feeling flu freeze freezing frozen gas hat hats heat heater heating high home house indoors jacket knitted lots low money monthly payments person portrait poverty putting radiator room sad saving snow space sweater sweaters temperature thermostat unhealthy utility warm warming warmth weather white winter woman young