Budget after a layoff: what did you cut first? - 13 weeks in

My income dropped to unemployment benefits and my bills have not changed. It has been a long 13 weeks. I listed every subscription and found several I forgot.

Subscriptions first, then the phone plan. I saved about $350 a year just by switching to a cheaper plan.

Ask your utility about hardship programmes. Mine knocked a bit off my bill for several months.