How do you handle bills on unemployment? after 6 years as an IT help-desk technician

My income is now a fraction of what it was as an IT help-desk technician and I am trying to cover the essentials. I would rather hear the honest version than the polite one. I am nervous about falling behind. Any apps or methods?

I called each lender and asked for a hardship plan. Two agreed to lower payments for a few months.