Budget after a layoff: what did you cut first?

We are a household of 18 and need to cut costs quickly. I listed every subscription and found several I forgot. Did any lender work with you?

Keep everything in writing and save the confirmation numbers. It made the follow-up calls so much easier.

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.