Simple budget for a tight month after 11 years as a quality inspector

My income is now a fraction of what it was as a quality inspector and I am trying to cover the essentials. There are 11 people counting on me, so I am trying to be careful. I am nervous about falling behind. Did lenders work with you?

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

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