Tariffs on fuel, electricity infrastructure and imported goods are driving up the cost of regular bills, forcing families to get creative to afford the same items they usually buy or do without.

We’re a Family of 5 Living on One Salary: Here’s Our Monthly Budget

Try These: 25 Places To Buy a Home If You Want It To Gain Value

Even bills you don’t typically associate with global trade, like power or streaming services, are being affected by these price increases. Here are the bills most likely to eat into your monthly paycheck and what you can do to cut costs.

Gas and Fuel

Tariffs on energy and fuel are significantly impacting consumers, particularly lower- and middle-income households. For instance, the 10% tariff on Canadian energy resources is raising costs for gasoline and other energy products, which indirectly increases transportation and heating expenses, according to George Carrillo, CEO of the Hispanic Construction Council (HCC), but also the former director of social determinants of health for the state of Oregon.

“Historically, a 25% rise in energy prices has felt more like a 30% increase for these households due to their relatively greater reliance on energy-intensive essentials,” he explained.  This means families are paying more at the pump, in their heating bills, and even indirectly through transportation costs affecting goods and services.

Read Next: 25 Creative Ways To Save Money

Utilities

Tariffs and “ballooning transmission and distribution costs” have become a “silent surcharge on every U.S. power bill,” according to Owen Quinlan, Head of Data at Arbor . “These costs and debts roll into the delivery line of power bills, so households — roughly 40 % of national electricity demand — are funding both last century grid repairs and tomorrow’s capacity build out at the same time,” he said.

Residential supply rates are also spiking this summer, he said, “with double digit hikes already locked in for large parts of Pennsylvania, Ohio and Illinois,” where supply hasn’t caught up with demand.

Meanwhile, the utility companies are pouring billions into storm preparation and long overdue infrastructure upgrades, and new tariffs on steel, aluminum and transformers could add up to $53 billion a year to sector costs, Quinlan said.

“Every extra dollar a utility spends on borrowing or upkeep shows up in some way or another on everyday American’s power bills, and the squeeze will only widen if capital and [operating and management] costs keep climbing,” he explained further.

To lower your energy bills , focus on efficiency, Carillo urged. “Switching to LED bulbs, unplugging unused devices and using a programmable thermostat can all help. Consider improving insulation, sealing doors and windows, or upgrading to energy-efficient appliances to save in the long term.”

Additionally, Quinlan recommended seeking rebates and incentives for home upgrades. “There are a wide range of federal, state, and local incentives designed to lower the upfront cost of energy-efficient upgrades,” he noted. “This includes things like heat pumps, weatherization, insulation, smart thermostats and even electric panel updates.”

Groceries

When tariffs drive up the costs of imported goods like food and fuel, the effects ripple down to other monthly expenses, Carrillo said. “Groceries, for example, now cost 2.6% more on average, with fresh produce spiking over 5%,” he said. This is translating to households spending roughly $3,800 more annually on groceries, he noted.

“To save, focus on buying seasonal and locally grown produce, which can be fresher and cheaper,” Carrillo advised. “Discount grocery stores and bulk buying options for staples like rice and canned goods are excellent for cutting costs.”

Other strategies include using store loyalty programs and coupons, planning meals ahead to avoid impulse purchases and favoring more affordable protein alternatives like chicken or legumes.

Home Goods and Electronics

While not a bill, per se, items you rely upon in your home, such as appliances and electronics, are already 10-25% more expensive, Carrillo said, because they’re often made from tariffed materials like steel and aluminum. “These percentage increases quickly add up across a household budget , tightening financial flexibility.”

“Electronics, which rely on tariffed imported components, are becoming pricier, with some reports pointing to rising prices of phones, laptops and gaming consoles,” Carillo added.

Subscription Services

Subscription services, despite not being directly tariffed, are raising fees to cover operational overhead related to higher infrastructure costs, Carrillo said. “These overlooked bills could unexpectedly strain budgets if not adjusted for.”

Budgeting Tips

Carrillo recommended some simple budgeting tips and tricks to make adjustments:

These small, temporary adjustments can provide immediate relief in offsetting the rising costs caused by tariffs.

More From GOBankingRates

This article originally appeared on GOBankingRates.com : 5 Bills Most Likely To Eat Into Your Paycheck Under Tariffs — and How To Cut Them