Simple budget for a tight month after 8 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. It has been a long 7 weeks. The rent is fixed and the car payment is high. Did lenders work with you?

Check for energy assistance programmes. I got a credit that covered two bills.

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