Budget after a layoff: what did you cut first?

My income dropped to unemployment benefits and my bills have not changed. I listed every subscription and found several I forgot. Did any lender work with you?

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

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.