Simple budget for a tight month, payroll clerk here

We are a household of 13 and the budget no longer works. Any experience at all would help. I am nervous about falling behind. What helped you?

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

Thanks for writing this out. I went through something close to it 11 months ago, and it got easier once I kept a simple log of every call and form.