Budgeting tips when income drops after 14 years as a hotel front-desk agent

We are a household of 14 and the budget no longer works. There are 14 people counting on me, so I am trying to be careful. The rent is fixed and the car payment is high. Did lenders work with you?

Thanks for writing this out. I went through something close to it last year, and it got easier once I kept a simple log of every call and form.