Mortgage: has been fixed for the last 22 years.
Auto: have put off buying another one.
Credit Cards: none
Utilities: Everything is LED and run A/C conservable.
Water: There's a DROUGHT, again conserve...
Grocery's: I don't feed the dogs Rib-Eye steaks 7 days a week anymore. Couple maybe.
Investments: Play stupidly, loose stupidly.
No, I haven't had any real increase cost or lost anything. I just choose what to purchase and when.
Phil
Jeezus you're an idiot!