Budgeting tips when income drops after 10 years as an accountant

We are a household of 10 and the budget no longer works. The rent is fixed and the car payment is high. Did lenders work with you?

A paper list of bills by due date helped me more than an app. I could see the month at a glance.

Keep everything in writing and save the confirmation numbers. It made the follow-up calls so much easier.