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barely cover the basics. i have to choose, you know, milk one week, eggs the next week, it s very difficult. reporter: the inflation numbers him to be easing. are you feeling at home, though? no, not at all. reporter: running air-conditioning in the record heat is expected to drive up energy costs nearly 12% this summer. it s a budget buster for some families. there s a lot of work that shows that poorer households do suffer high inflation rate. these people are feeling it somewhere on 5-6%. reporter: that is because most of low-income families budget goes to necessities, which are still rising, like rent, groceries, and electricit. and there is no evidence people are using credit cards to cover the bills. for the first time in the u.s., credit card debt has surpassed $1 trillion. we polled consumers that carry credit card balances about what was behind that, what caused it? emergency and unplanned expenses was the top answer.