Simple budget for a tight month, IT help-desk technician here

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 am nervous about falling behind. 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.

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