Budget after a layoff: what did you cut first? - 14 months and counting

My income dropped to unemployment benefits and my bills have not changed. I have read a lot of threads here and could not find my exact situation. I listed every subscription and found several I forgot.

I called the landlord and the card company early. Both offered a short payment plan, which I did not expect.

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