Budget after a layoff: what did you cut first? - 23 weeks in

We are a household of 9 and need to cut costs quickly. I am in Salt Lake City, in case local advice matters. I am nervous about the credit card minimums. Did any lender work with you?

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

Subscriptions first, then the phone plan. I saved about $150 a year just by switching to a cheaper plan.