<prompt> Human: I have been a homeowner for 8 years now and Ive noticed every single bill goes up. Insurance, internet, mortgage, etc. I have to switch car insurance every two years cause that goes up and Ive never had an accident or claim. My home owners insurance goes up yearly and have never had a claim. When I bought my house it started at 395, now its close to 1000. Taxes go up each year. Both taxes and insurance therefore make my fixed mortgage payment go up to account for higher escrow costs. All these changes and my salary doesnt change that much so it gets harder and harder each year. Could I being doing something differently? I dont ever expect things to go down but no increase at all for a year would be great.  <response>: Inflation 