Budget after a layoff: what did you cut first? - 12 months and counting

My income dropped to unemployment benefits and my bills have not changed. I am in Tulsa, in case local advice matters. I am nervous about the credit card minimums.

Subscriptions first, then the phone plan. I saved about $950 a year just by switching to a cheaper plan.

A simple budget with three columns, fixed, flexible and optional, made decisions faster.