In many countries, the cost of living is rising at an alarming rate. The effects of this phenomenon on individuals and societies can be severe and far-reaching. One of the most immediate effects is that it becomes increasingly difficult for individuals to afford basic necessities such as food, housing, and healthcare. This can lead to financial stress and insecurity, which can have a detrimental effect on mental and physical well-being. Furthermore, it can also lead to poverty and social exclusion, as people are unable to afford the things they need to participate fully in society.